Last updated on 15/12/2022.
Throughout this document, the terms “we”, “us”, “our”, “ours” “TVSCS” & “TVS Credit Services” refer to TVS Credit Services Limited. And the terms “you”, “your” & “yours” refer to You (the individual whose Personal Data we are referring to).
2. What Personal Data Do We Collect, Store and Process?
Categories of Personal Data that we collect, store and process include:
3. How and Where Do We Collect Your Personal Data From?
We collect your Personal Data in the following ways:
4. How Do We Use Your Personal Data?
We use your Personal Data for the following purposes:
5. Who Do We Share Your Personal Data With?
We may disclose your Personal Data to:
We may also share your Personal Data under the following circumstances:
6. International Data Transfer
7. How Do We Secure Your Personal Data?
We are committed to protecting your Personal Data in our custody. We take reasonable steps to ensure that appropriate physical, technical and managerial safeguards are in place to protect your Personal Data from unauthorized access, alteration, transmission, and deletion. We train our employees about the importance of maintaining the privacy and security of your Personal Data. We ensure that the third parties with whom we share your Personal Data are under appropriate contracts and we take appropriate security measures to protect your Personal Data in line with our policies.
8. How Long Do We Keep Your Personal Data?
We collect Personal Data about you via Mobile Application using permissions such as camera, contacts/telephone, coarse (network-based) location, fine (GPS) location, list of accounts, external storage contents, photo, SMS, etc. Your iOS and Android devices will notify you of the permissions that our app seeks and will provide you an option to consent to or refuse the permission. We use the data obtained through permissions to provide the functionalities through the Mobile Application. We have also embedded certain trackers in our Mobile Application for the purpose of credit underwriting and providing functionalities through the Mobile Application.
Where you have given consent for use of Mobile Permissions while accessing our Mobile Application, you have the option to revoke your consent from the Settings Section of your mobile device. In many cases, upon such a revocation, you may not be able to access certain features of the Mobile Application or continue using our products and services.
10. On What Basis Do We Process Your Personal Data?
We process your Personal Data by relying on one or more of the following basis:
11. What Are Your Rights Relating to Your Personal Data?
You have certain rights regarding your Personal Data that is with us, and we commit to provide you with them. We have provided a list of your rights, although please note that they may not always apply in every case.
Where the processing is based on your consent, you have the option to revoke your consent at any point in time. Upon receipt of your request to revoke your consent, the consequences of revocation will be communicated to you. In many cases, upon such a revocation, we may not be able to continue offering our products and services to you.
Under an ongoing contractual relation between us, revocation of consent can be affected upon only on fulfillment of all your contractual obligations in relation thereto the original consent has been provided for.
You may revoke your consent by contacting us using the details specified in the ‘Contact Us’ section.
If you wish to make a request to exercise any of your rights , to raise any concerns about our privacy practices, or to obtain other privacy related information, you can get in touch with us a using details specified in the ‘Contact Us’ section. However, if you are an existing or past customer of TVS Credit Services, we would not be in a position to delete such of your Personal Data from our systems for such minimum period after the closure of contractual obligation as we are legally obliged to retain as provided under applicable laws and regulations. Also, if any such Personal Data is required to be retained for the purpose of any ongoing litigation, then till the time of closure of such litigation.
12. Links to Other Websites
13. How Do We Keep This Policy Up to Date?
14. What is TVSCS Legal Disclaimer?
The information provided through the Site is provided "AS IS" and "AS AVAILABLE". You agree that your use of the site shall be at your sole risk. to the fullest extent permitted by law, TVSCS, its officers, directors, employees, and agents disclaim all warranties, express or implied, in connection with the site and your use thereof. TVSCS provides no guarantee against the possibility of deletion, mis-delivery or failure to store communications, personalized settings, or other data. TVSCS does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the site or any hyperlinked website or featured in any banner or other advertising, and TVSCS will not be a party to or in any way be responsible for monitoring any transaction between you and third-party financial service providers.as availing of any financial services through any medium or in any environment, you should use your best judgment and exercise caution where appropriate. TVSCS makes no warranties or representations about the accuracy, adequacy, timeliness, or completeness of this site's content or the content of any sites linked to this site and assumes no liability or responsibility for any errors, omissions, mistakes, or inaccuracies of content or any other damage or injury whatsoever.
15. What is a Limitation of Liability?
In no event shall TVSCS its officers, directors, employees, or agents, be liable to you for any indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any (i) errors, mistakes, or inaccuracies of content, (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the site, (iii) Any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (iv) Any interruption or cessation of transmission to or from the site, (iv) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the site by any third party, (v) Any errors or omissions in any content, (vi)User submissions or the defamatory, offensive, or illegal conduct of any third party, (vii) Your use, or inability to use, any portion of the site or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the site, whether based on warranty, contract, tort, or any other legal theory, and whether or not the company is advised of the possibility of such damages the foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.
16. What is the Mode of Dispute Resolution?
All disputes, differences, claims and questions whatsoever arising out of this Agreement between TVSCS and You on the other hand touching and concerning these presents or anything herein contained or in any way relating to or arising from these presents shall be referred to a sole arbitrator to be appointed by TVSCS under the Arbitration and Conciliation Act 1996. Any notice by the Arbitrator to the respondents through email at the email ID provided by the User during registration at TVSCS will be deemed to be sufficient notice to the User. The costs and expenses of the arbitration proceedings shall be borne by the User. The Place of Arbitration shall be at Chennai. The award given by the sole arbitrator shall be final and binding on the parties.
17. How Can You Contact Us?
For any further queries and complaints related to privacy, you reach out to us by writing to us at the following address:
Grievance Redressal Officer (Mr. Charandeep Singh Chawla)
TVS Credit Services Ltd.
No 29, Jayalakshmi Estate,
3rd Floor, Haddows Road,
Chennai - 600034