Credmarg Technologies Private Limited (hereinafter referred to
as “the Company”), through its Website and Mobile Application
called “Kilope”, runs an employee financial wellness platform
that allows the employee users to track their salary and enables
them to withdraw credit, the earned amount of salary at any
point of time at an agreed transaction fee which credit is
extended by Non-Banking Financial Companies with whom the Kilope
Kilope collects, uses, discloses, shares, and transfers
Information of User Employees, including You.
By using or accessing the Kilope platform or opening an Account
on the Kilope Platform, you agree to accept the present Policy,
and you hereby consent to Kilope collecting, processing, using,
disclosing, sharing, and transferring your Information and
personal data, including but not limited to sensitive Personal
Information. This Policy is an electronic record in the form of
an electronic contract formed under the Information Technology
Act, 2000 and the rules made thereunder.
In case You do not want to share Information as contained herein
below for use by Kilope as stated, you are free to opt-out or
not use the Kilope platform by deleting the Account and, in such
a case, are not required to give consent as per the present
In a case in future, if You intend that Your Information as
collected should not be used or should be deleted, you can
withdraw your consent as provided in the present Policy by
writing to Kilope platform revoking the said consent or deleting
the Account, as the case may be.
Kilope reserves itself the right to modify, change or update
this Policy. Continued accessing of the Kilope platform or use
of the Products and Services shall be deemed to be your
acceptance of this Policy or amendments thereof.
2. Collection, processing, disclosure, and sharing of
Information i. Kilope collects, uses, discloses, shares, and
transfers Information, other content, communications,
Information, etc. provided by User Employees when the Users use
the Kilope platform or the Products and Services.
ii. For the purpose of these Terms, the term “Personal
Information” shall mean any information you or the Employer
provides to Kilope and shall include, without limitation, your
name, gender, date of birth, age, phone number, photograph,
financial Information such as bank account or credit card or
debit card or other payment details, your email ID and password,
your employee identification number with the Employer, official
email id, your employment history with the Employer, attendance
details KYC details (PAN, Aadhar Card, Address Proof, Salary
Slip, account details and bank statements, income tax returns,
For the purpose of this Policy, the term “Non-Personal
Information” shall mean Information that does not specifically
identify an individual but includes Information from you, such
as the type of internet browser You use, mobile device or
computer you use, your mobile device’s unique device ID, your,
your Internet Service Provider (ISP) and your Internet Protocol
Personal and Non-Personal Information together is referred to as
“Information.” Kilope may collect Information from you when you
open an Account or fill out the Application Form, when you use
the features of the Products and Services, when you participate
in surveys conducted, when you interact with the customer care
team when you carry out transactions on the Kilope platform etc.
You specifically undertake and warrant the accuracy and
truthfulness of the Information you share and agree that you
shall be solely responsible for the same. iii. Kilope may use
cookies to monitor and manage your usage of the Kilope platform,
including, without limitation, for simplifying your experience
when you return to the Kilope platform, like remembering your
login ID and certain Personal Information, delivering relevant
content based on your preferences, usage patterns, and location,
1. Kilope may collect details about your use of the Kilope
platform and/or Products and Service, such as the features used,
any activity carried out and the frequency/duration/time
thereof, the actions are taken, etc.
2. Kilope may be required to collect and combine details from
and about the mobile phones, computers, tablets, other devices,
etc., you may use to access the Kilope platform. Details that
may be obtained from these devices could include:
• Operating system, hardware and software versions, storage
space signal quality, battery level, browser type, plugins, name
of mobile operator or ISP, language, time zone, IP address,
connection speed, etc.
• Network, camera or photos, beacons, mobile phone masts, data
from cookies stored on devices, etc.
• Location-related details, including your current location
through precise device location, IP addresses, GPS location,
etc., to provide improved usage and tracking as provided in the
3. 3. Information Usage
Kilope may use your Information for:
i.Manage Your Account.
1. Providing access to the Kilope platform and/or use of the
Products and Services.
2. Send SMS for authenticating operations via One Time Password
3. Conduct a survey or analysis of your Account etc.
4. Develop, test, and improve the Kilope platform, testing, and
troubleshooting, rectifying glitches, improving navigation, and
the facilitation of Products and Services.
4. Information – how it may be shared
Kilope may disclose or share your information which includes
your Personal Information, to enable providing of Products and
i. Sharing with NBFCs or credit information companies
Information shared by You may be disclosed and shared with NBFC
and/or credit information companies, as the case may be, in
order to enable you to avail of the Salary Advance Facility.
1. Disclosure as required by law or to authorities. Your
Information may be shared with authorities such as
government/statutory authorities or under court orders; to
establish or exercise legal rights; to defend against legal
claims; or as otherwise required by law.
2. Disclosure to third parties, including payment gateways
Kilope may be required to provide, disclose, or share
information collected from You to third-party service providers
to provide and ensure the availability of Products and Services,
payment gateways, etc.
3. Sharing of Information with prospective suitors or acquirers
Information may be required to be disclosed acquirer, assignee,
or other successor entity in connection with a sale, merger, or
reorganization of all or substantially all of the equity or
business of Kilope.
5. Protection of Information
You explicitly agree, represent, and warrant that you:
i.Kilope, on a best effort basis, shall attempt to take adequate
measures to protect the security of your Information, including
Personal Information, and to ensure that your choices for its
intended use are honored. Kilope takes adequate precautions, on
a best effort basis, to secure and protect your data from loss,
misuse, unauthorized access or disclosure, alteration, or
destruction, by using industry standards of physical, technical,
and administrative security measures, although you agree that
the same cannot be foolproof since no security system is
impassable and accordingly Kilope cannot and does not commit or
guarantee that the Information may be absolutely free from
invasion or breach.
1. Kilope shall not be liable or responsible for any breach of
security or disclosure of your Information by or for any actions
or inactions of the NBFC or any other third party that receives
2. You are solely responsible for maintaining the
confidentiality of your username and password, and Kilope would,
in no circumstances, be liable or responsible for any breach in
this regard by You.
3. Personal Information, upon deletion of your Account, is also
generally deleted unless you have not repaid the Salary Advance
Facility or the interest accrued thereon or the Transaction
Fees; the same is required to comply with any legal
requirements, fraud prevention, or assistance in any inquiry,
for resolving disputes, to protect Kilope’s interests, to
continue to develop and improve Products and Services.
6. Mechanism for Grievance Redressal
In accordance with the Information Technology Act, 2000 and
Rules made thereunder, the contact details for raising
grievances, if any, are provided below:
Address: Plot no 10, Nectar gardens, Kavuri Hills Road,
Hyderabad, Telangana – 500081, India
Contact Number: +91 9672421830