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How do we access your data?

We access your information through the following methods, with your consent obtained where necessary:

• Information You Provide: Details you submit when registering, completing forms, or accessing resources like e-books, including your name, email, phone number, address, and birth date.  
• Third-Party Information: Data we may gather from public sources, service providers, and partners, including social networks, with your explicit authorization.  
• Browsing Information: Data collected about your activity on our website, such as pages visited, access times, IP address, device details, and location data, even if you choose not to register.  

Why do we use your data?

Bat Kredit is a financial platform focused on enhancing the financial well-being of our users by providing knowledge and guidance for selecting optimal banking products and services. To achieve this, we employ advanced technology to recommend financial products and services tailored to your specific circumstances and needs. This personalization necessitates understanding your identity, which involves the collection and analysis of your data to provide relevant suggestions from both our offerings and those of external parties.  

To address the question of how Bat Kredit sustains its operations while offering free suggestions:

Our primary revenue source, crucial for website maintenance and technology investments, is the display of advertisements related to financial products and services. This practice of targeted, data-driven advertising is both legitimate and effective, enabling you to see advertisements relevant to your interests while supporting the provision of our free content.  

It’s important to note that we utilize third-party services for displaying these advertisements. These advertisements may use cookies or web beacons to gather data about your interactions, such as clicks or interest in displayed products or services. However, Bat Kredit does not access or control this data collection by third parties. For further details, please consult our Cookie Policy.  

Bat Kredit uses advertisements from the Google AdSense network, which relies on cookies to display ads based on your browsing preferences and habits. Technologies like the DART Cookie enable the display of personalized advertisements based on your browsing activity.  

While certain Bat Kredit features are accessible without registration, utilizing tools like financial product comparison or requesting specific products and services may require prior registration and the provision of personal data, such as your name and email address.  

How do we use your data?

Bat Kredit uses your data to:

• Ensure accurate and secure identification: To verify your identity, protect your security, and prevent fraud.  
• Deliver personalized product and service recommendations: To analyze your profile and suggest relevant products and services, both our own and those of external parties, thereby personalizing your experience on our platform.  
• Enhance communication: To improve our interactions with you by sending emails containing relevant content, offers, and news.  
• Conduct research and technological advancement: To utilize your data for research purposes and to refine our data processing technologies, such as user profiling, while anonymizing the data.  

Does Bat Kredit share your data?

First and foremost, Bat Kredit does not engage in the sale of your personal data. However, we may share your personal data with companies within our corporate group and with external parties under specific circumstances and in compliance with applicable laws:  

• • Bat Kredit operates multiple domains within the financial sector, all identified as part of our corporate group. These affiliated sites may process your data to provide content, products, and services aligned with our business activities.  
  • With external parties or partners, our standard practice is to share only non-personal data, such as behavioral data. However, your personal data may be shared to facilitate recommendations for products and services that best align with your needs or to deliver products and/or services you have requested, contingent on your interest.  
  • Our partners are authorized to use your personal data solely for the agreed-upon purposes. They are strictly prohibited from using this data for any other reason beyond the contractually defined scope. Any entity accessing your personal data is obligated to handle it according to this Privacy Policy and relevant privacy and data protection laws.  
  • We share your personal data for administrative functions, including research, planning, service development, and security and risk management.  
  • We may also disclose your data when legally required, in response to a competent authority’s order, or by judicial decree.  
  • Bat Kredit reserves the right to cooperate with judicial or governmental bodies. We may share your personal data to establish or exercise our legal rights, safeguard our property, or when deemed necessary to cooperate in enforcing contracts and agreements or to protect the rights, property, or safety of our employees and/or users.  

• In cases of compliance with administrative requests, we may provide information to authorities, provided you authorize it, as outlined in our Terms and Conditions of Use.

What are your rights, and how can you reach us?

As a data subject, it is crucial for you to understand your rights to access and manage your data. Upon request to Bat Kredit, you are entitled to:  

• Obtain confirmation of whether your data is being processed.  
• Access your personal data.  
• Correct any incomplete, inaccurate, or outdated data.  
• Request anonymization, blocking, or deletion of data that is unnecessary, excessive, or processed in violation of applicable Indian law.  
• Request data portability to another service or product provider, given an explicit request and in accordance with regulatory guidelines, while respecting Bat Kredit’s trade and industrial secrets.  
• Request the erasure of personal data processed based on your consent, except where retention is mandated by applicable Indian law.  
• Receive information about public and private entities with whom Bat Kredit has shared your data.  
• Receive information about the option to withhold consent and the consequences of doing so, beyond what is already detailed in this Policy.  

You have the ability to modify your browser’s cookie settings at any time. However, disabling cookies may impair certain Bat Kredit functionalities and affect your platform experience.  

To disable the DART Cookie, you can visit Google’s advertising and content network privacy policy page. For broader control over Google’s cookie usage, you can access Google’s official settings page.  

For any inquiries, requests, complaints, or if you require further information about our platform’s offerings, you can contact us via online chat or by sending an email to [email protected].  

This contact channel is also available for addressing any concerns about the handling of your personal data or if you believe your information has been processed in a manner inconsistent with this Policy or your data subject rights.