Privacy and Policy

incredmoney.com or its iOS and android applications ( "Website" or "the Site"), operated and owned by InCred Money and its subsidiaries ("Company", "we", "us", "InCred Money", "incredmoney"), has adopted this policy with recognition that protecting the privacy and security of the personal information we obtain about our visitors and registered users is an important responsibility. We also know that you expect us to service you in an accurate and efficient manner. To do so, we must collect and maintain certain personal information about you. This policy outlines the types of information we collect about you and how we use and safeguard that information. By using or accessing the Site in any manner, you acknowledge that you accept the practices and policies outlined in this Privacy Policy, and you hereby consent that we will collect, use, and share your information in the following ways.

If you do not agree with the Terms and Conditions of this policy, please do not proceed or continue further to use this website.

  1. Definitions

    "User", "You/you", "Your/your" means any person or visitor or registered user who views, browses, accesses or uses the Site;
    "Use" or "Using" means to browse, access, view, copy, availing Services or other benefit from using the Site;
    "Policy" means this Privacy Policy.
    "Services" means all the services as provided in Terms & Conditions from time to time.
    "Registered User" shall mean and include the visitors who have an Investment Account with the Site to avail the Services or any part thereof, as provided on the Site.

  2. What information we collect any why

    We collect two types of information from our registered users and visitors.

    We collect two types of information from our registered users and visitors. The first is information that we gather through aggregated tracking information derived while you are browsing this website. Anonymous information will be gathered in our computer system log files to allow us to better tailor our services to your needs, help us better understand the demographics of our audience and improve our products.

    The second is information that registered users provide through optional, voluntary submissions such as

    1. Name and Contact information, including email address, third-party account credentials etc.
    2. Personal information, including date of birth and Permanent Account Number (PAN) and other information required in accordance with the KYC norms and regulatory requirements.
    3. Demographic information such as gender and income.
    4. Other information that can help us improve our services

    We require this information

    1. To perform compliance checks and internal record keeping.
    2. To use the information to improve our products and services
    3. To periodically send emails to your registered email address about new products, special offers, or other information which we think you may find interesting.
    4. You will be free to unsubscribe your email address at any time, if you do not wish to receive such emails from us
    5. From time to time, we may also use your information to contact you via phone or email for market research purposes.

    Also, we may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting.

    We need physical evidence of your personal details like PAN, cancelled cheque leaf etc. to satisfy regulatory requirements while your bank details are required to honour your investment instructions.

    InCred Money shall not be responsible, in the event, any discrepancy is found, in any of the information provided by the user, such as, mismatch of the information provided, shall lead to the rejection for opening of the account.

    We may also ask for additional personal information from time to time to meet new regulatory requirements or to provide you with other benefits of our services. As always, the information that we seek will only be for the purpose stated.

    You agree that, all intellectual property including but not limited to copy right, trade mark, any personal information, content, photographs, images, experience sharing, feedback, opinions that is voluntarily shared by you with us or uploaded on the Site are non infringing of any rights of third parties in whatsoever manner and you give us unrestricted, perpetual right of use of your such intellectual property for any purpose whatsoever.

  3. What information do we disclose

    We will not disclose the non-public personal information we collect about our registered users to anyone except;

    1. To persons assessing our compliance with industry standards (e.g. professional licensing authorities, etc.);
    2. Our attorneys, accountants, and auditors; or as otherwise required by government agencies and other third parties by law.
    3. Authorized third-party vendors and service providers : We may share your information with third-party vendors and service-providers that help us with various products and services offered on our platform, including financial products, billing, payment processing, customer service, email deployment, business analytics, marketing, advertising, performance monitoring, hosting, and data processing.
    4. Corporate affiliates. We may share your information with our corporate affiliates and group companies that are subject to this policy.
    5. With your consent or at your direction. We may share information for any other purposes disclosed to you at the time we collect the information or pursuant to your consent or direction.
    6. In business transfers. We may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that would be transferred. Also, if we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, Personal Information could be one of the assets transferred to or acquired by a third party.
    7. We transfer/share Your information with our service professionals, group companies or business partners to facilitate the availing/provision of Services by You.

  4. Security of your information

    We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. See more on our Security systems. We restrict access to your non-public personal information to those employees who need to know that information to service your account.

    However no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. If you think that the security of your InCred Money account has been compromised, change your password and contact us immediately for further assistance at connect@incredmoney.com.

  5. Communications

    1. We will send registered users communications related to the servicing of your account when necessary to do so.
    2. We will send registered users service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email.
    3. You may not opt-out of account servicing communications or service-related announcements, which are not promotional in nature.
    4. We will send registered users occasional emails updating you about new products, special offers, or other information which we think you may find interesting. You may unsubscribe from these at any time.

    All communications will be sent to the email id that you have provided us. It is your responsibility to update or change that address, as appropriate. If you haven’t provided us with your email address, you will not receive these communications.

  6. Website usage

    1. When you visit our website we use "cookies" or other similar web tools to enhance the user experience. These tools enable us to maintain your web session while you browse the site as well as helping us provide you with a better, more personalized experience. Our cookies do not contain any personally identifiable information. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features.
    2. InCred Money automatically receives and records information on our server logs from your browser including your IP address, InCred Money cookie information and the pages you request. We use this information to improve the functionality and usability of our services. Our log files are not tied to personally identifiable information.
    3. Our advertising partners may also transmit cookies to your browser or device, when you click on ads that appear on the Site.

  7. Links to third-party websites

    Our website may contain links to other websites of interest, without any accuracy, completeness, or usefulness of any content, warranty, merchantability, endorsement, suitability, any assurance of quality, authenticity, and appropriateness to view such websites and responsibility, liability, obligations on part of this Site. This Privacy Policy does not apply when you access to such sites or links. However, once you have used these links to leave our site, you should note that we do not have any control over such third-party websites. Such third party websites may also transmit cookies to you. Again, this Privacy Policy does not cover the use of cookies by any third parties, and we aren’t responsible for their privacy policies and practices. You should exercise caution and look at the privacy statement applicable to the website in question.

    Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or any other users are those of the respective author(s) or distributors and not of InCred Money.

  8. Amending your account information

    We are committed to keeping accurate and up-to-date records to help ensure the integrity of the services we offer. If you identify an inaccuracy, or need to make a change to it, please either update the information if you are able directly on our website or alternatively contact us at connect@incredmoney.com.

  9. Changes to our Privacy Policy

    This Privacy Policy is published on the website in compliance with Regulation 4 of the (Indian) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011.

    Our policy about obtaining and disclosing information may change from time to time. We will provide you notice of any material change to this policy before we implement the change. All communications will be sent to the email id that you have provided us. It is your responsibility to update or change that address, as appropriate. If you haven’t provided us with your email address, those legal notices will still govern your use of the Site, and you are still responsible for reading and understanding them. If you use the Site after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used.

  10. Agreement

    This Privacy Policy along with the Site Terms and Conditions and any other relevant policies or disclosures contains the entire understanding and agreement between you and us and supersedes any and all prior understandings relating to Website. This Policy cannot be changed or terminated orally. If any provision of this Privacy Policy is held to be illegal, invalid or unenforceable, this will not affect any other provisions and the Privacy Policy will be deemed amended to the extent necessary. Any provision which must survive in order to allow us to enforce its meaning, shall survive the termination of this Privacy Policy. This Privacy Policy should be at all times read along with the Terms and Conditions and any other policies of the Website.

  11. Legal Obligation

    InCred Money is bound by the Information Technology Act, 2000, and comply with all its provisions. In accordance with the Section 43A of Information Technology Act, 2000, InCred Money is obliged to maintain reasonable security procedures to safeguard you data.

    In accordance with Regulation 4 of the Information Technology (Reasonable Security and Procedures and Sensitive Personal Data or Information) Rules, 2011, InCred Money is obliged to provide every registered user of the Website with a readable copy of the information that it keeps about you. If the user would like to have a copy of the same, user can reach out to us at connect@incredmoney.com. As an added security measure, we may require additional proof of identity prior to such disclosure.

  12. Contact us

    For questions related to updating or changing your account information or any other information provided by you and for your valuable feedback regarding this Privacy Policy, please send e-mail to connect@incredmoney.com.

  13. Withdrawal of Consent

    You may choose to withdraw your consent to share information with us any time. To withdraw your consent, please drop an email to connect@incredmoney.com. However, please note that withdrawal of consent will imply an automatic deletion of your account with InCred Money. You would no longer be able to use InCred Money product and services.

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Disclaimer

Fixed Deposits are offered by Banks/NBFCs and are regulated by the Reserve Bank of India. Alpha Fintech Private Limited, under the brand name of InCred Money, is acting in the capacity of Sub Agent/Referral Partner for distribution of Fixed Deposits of Banks and NBFCs. The funds transferred by the customer for the Fixed Deposits are directly credited to the regulated entity offering the Fixed Deposit product. Fixed Deposits are offered to Resident Indians above the age of 18 who have a PAN & an Aadhaar. Interest rates are subject to change. *T&C apply.

The information and data provided on the InCred Money platform concerning unlisted equities are solely for informational purposes and should not be interpreted as a recommendation or solicitation to invest. InCred Money and its representatives are not SEBI-registered research analysts or advisors. Any research, analysis, or information presented on this platform does not constitute investment advice or a recommendation by InCred Money or its affiliates. Investors are strongly encouraged to perform their own thorough research and due diligence before making any investment decisions. Any decision to invest or not to invest shall be at your own discretion. Unlisted equities carry a higher risk profile compared to listed securities, including but not limited to liquidity risk, regulatory risk, and market volatility. Potential investors should be aware of these risks and consider them carefully. It is highly recommended that investors consult with their own financial advisors to understand the suitability of such investments in the context of their personal financial situation, investment objectives, and risk tolerance. Additionally, investors should read and fully understand the detailed risk profile and disclosures attached to the unlisted equities before proceeding with any investment.

The information mentioned on the platform is based on publicly available data and to the best of our knowledge, does not constitute insider information.

Pre-IPO shares are unlisted securities, but this should not be interpreted as InCred Money guaranteeing or confirming that an IPO will take place for these shares. The decision to proceed with an IPO is entirely at the discretion of the issuing company, which may choose not to go public.

InCred Money is the brand name of Alpha Fintech Private Limited with its registered office  at The Capital, Unit No 1203, 12th floor, B Wing, Plot No. C-70, G Block, Bandra Kurla Complex, Mumbai – 400 051.
Unless otherwise mentioned, Alpha Fintech Private Limited will be the counterparty (seller) while making your investment.

*Corporate Bonds transactions are executed on Biddeasy.com. Biddeasy is Online Bond platform provider and registered with BSE and NSE in the name of Oro Financial Consultants Pvt Ltd.
Oro Financial Consultants Pvt Ltd is the Stock broker entity operating in cash and debt segment with BSE and Debt segment with NSE having SEBI registration number: INZ000312534, Registered as an Online Bond Platform Provider in BSE Ltd.(Member Code: 6821) and National Stock Exchange of India Limited (Member Code: 90389)

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