Effective Date: 24/04/2024
Bonamali Micro Services Pvt. Ltd. (d/b/a GM Credit), a company serving as a platform to connect corporate finance companies and retailers in one place, respects the privacy of its users (“you” or “your”). This Privacy Policy describes the types of information we collect from and about you when you use our website (“Site”) or mobile application (“App”) (collectively, the “Services”), and how we use, disclose, and protect that information.
Information We Collect
We collect several types of information from and about you, including:
- Personal Information: When you apply for credit, our verified retailers create an account on our App, or use certain features of our Services, you may provide us with certain personal information, such as your name, email address, phone number, residential address, government identification number & document photo, and financial information (including bank account details).
- Device Information: We automatically collect information about the device you use to access the Services, such as the device type, operating system version, unique device identifiers, and IP address.
- Usage Information: We collect information about your activity on the Services, such as the pages you visit, the features you use, and the searches you perform.
How We Use Your Information
We use the information we collect for a variety of purposes, including:
- To process your credit application and provide you with the requested financing for your phone or electronic gadget purchase.
- To manage your account and collect your monthly EMI payments.
- To monitor and restrict unauthorized access to your phone until your EMI is complete, in accordance with our agreement.
- To send you important information about your account, including payment reminders, late fees, and promotional offers.
- To personalize your experience on the services.
- To improve the services and develop new features.
- To comply with legal and regulatory requirements.
Sharing Your Information
We may share your information with third-party service providers who help us operate the services and fulfill our obligations to you. These service providers are contractually obligated to keep your information confidential and to use it only for the purposes we have specified.
We may also disclose your information if we are required to do so by law or in the good faith belief that such disclosure is necessary to comply with a court order, subpoena, or other legal process, or to protect the rights, property, or safety of us or others.
Your Choices
You have a number of choices regarding your information:
- You can access and update your personal information through your account on the app.
- You can opt out of receiving marketing communications from us by following the unsubscribe instructions in those communications.
- You can uninstall the app at any time. However, please note that this will not erase your personal information from our systems.
Children’s Privacy
Our services are not directed at children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you believe your child has provided us with personal information, please contact us. We will take steps to delete the information from our systems.
Security
We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no security system is perfect, and we cannot guarantee the security of your information.
Data Retention
We will retain your information for as long as necessary to fulfill the purposes described in this privacy policy, unless a longer retention period is required or permitted by law.
Changes to this Privacy Policy
We may update this privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on the site or app.
Contact Us
If you have any questions about this Privacy Policy, please contact us at:
- Email: contact@gmcredit.in
- Phone: +91 7601926989
- Address: Gramshalika, Butwan, Kadam Tola, Murshidabad 742132