1. Introduction
At Debitum Cube Advisors Pvt. Ltd., we respect the privacy of individuals, customers, business partners and other users who interact with us.
This Privacy Policy explains how Debitum Cube Advisors Pvt. Ltd. ("Debitum Cube Advisors Pvt. Ltd.", "we", "us" or "our") may collect, receive, use, process, store, share and protect information in connection with our website and our services.
Our services may include:
- Credit score improvement guidance
- Credit profile assessment and assistance
- Debt collection and recovery support
- Loan underwriting support
- Financial document assessment
- Creditworthiness and repayment-capacity assessment
- Related financial support and consultancy services
Because some of these services may require access to personal and financial information, we seek to handle such information responsibly, confidentially and only for legitimate purposes.
By accessing our website, submitting information to us or engaging our services, you acknowledge that you have read this Privacy Policy.
2. Information We May Collect
Depending on the nature of your interaction with Debitum Cube Advisors Pvt. Ltd., we may collect different categories of information.
A. Personal Information
This may include:
- Full name
- Mobile number
- Email address
- Residential or correspondence address
- Date of birth, where required
- Occupation or employment details
- Business or professional information
- Other information voluntarily provided by you
B. Financial and Credit-Related Information
Where required for a specific service and lawfully obtained, this may include:
- Loan-related information
- Existing financial obligations
- Credit card or borrowing information
- Credit report information
- Credit score information
- Repayment history
- Income details
- Bank statement information
- Salary or business income information
- Employment records
- Loan application information
- Financial documents submitted for assessment
Debitum Cube Advisors Pvt. Ltd. will seek to collect only such information as is reasonably necessary for the relevant service.
C. Identification and Verification Information
Where identification or verification is necessary, we may request appropriate supporting documents or information.
Any collection or processing of identification documents will be subject to applicable requirements and the purpose for which such information is required.
D. Website and Technical Information
When you visit our website, certain technical information may be collected automatically, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages visited
- Date and time of access
- Referring website
- Interaction with website features
- Cookies and similar technology information
Such information may be used to maintain website security, understand website performance and improve user experience.
E. Communication Records
Where you contact us through email, telephone, forms or other communication channels, we may maintain records of those communications for service delivery, quality control, dispute resolution, compliance and security purposes.
3. How We Obtain Information
Information may be obtained:
- Directly from you
- From organizations engaging Debitum Cube Advisors Pvt. Ltd. to provide services
- From financial institutions or lending partners where legally and contractually permitted
- From documents provided for underwriting or assessment
- From authorised third-party service providers
- From publicly available sources
- Through our website and technological systems
- Through other lawful sources relevant to the service being provided
Where information concerning an individual is supplied to us by a business client or another organization, that organization is expected to have the necessary authority or lawful basis to provide the information.
4. Purposes for Which Information May Be Used
Debitum Cube Advisors Pvt. Ltd. may process information for purposes including:
Credit Guidance
To review credit-related information and provide guidance intended to help individuals better understand and manage their credit profile.
Loan Underwriting
To review applicant information, financial documents, creditworthiness, repayment capacity and potential risk factors for underwriting support.
Debt Collection and Recovery
To identify and communicate with relevant customers, maintain repayment records, coordinate outstanding obligations and assist clients with responsible recovery activity.
Customer Support
To respond to enquiries, requests, complaints and service-related communications.
Verification
To verify information and documentation submitted in connection with the services.
Service Improvement
To analyze our processes and improve the quality, security and efficiency of our services.
Fraud and Risk Prevention
To identify, investigate or prevent suspected fraud, misuse, unauthorized activity or security incidents.
Legal and Compliance Requirements
To comply with applicable legal obligations, regulatory requirements, contractual obligations, court orders or lawful requests from competent authorities.
Business Operations
For internal administration, auditing, record keeping, service management and legitimate operational requirements.
5. Consent and User Authorization
Where consent or authorization is required, Debitum Cube Advisors Pvt. Ltd. may seek appropriate consent before collecting or processing relevant information.
You should provide information concerning yourself or another individual only where you are authorized to do so.
Where permitted by applicable law, you may withdraw previously provided consent by contacting us.
Withdrawal of consent may affect our ability to provide a service where the relevant information is necessary for that service.
6. Credit Information
Debitum Cube Advisors Pvt. Ltd. does not independently determine, create or guarantee a customer's credit score.
Credit scores and credit reports may be generated or maintained by authorized credit information companies and other relevant institutions.
Where Debitum Cube Advisors Pvt. Ltd. assists a customer in reviewing a credit profile, our role is limited to providing guidance, analysis or assistance based on the information lawfully available to us.
We do not guarantee:
- Removal of accurate negative information
- A particular increase in credit score
- Loan approval
- A specific interest rate
- Credit eligibility
- Any particular lending decision
Where an error is identified in information maintained by a third party, correction may remain subject to the procedures and decisions of the relevant institution.
7. Disclosure and Sharing of Information
Debitum Cube Advisors Pvt. Ltd. does not intend to sell personal information as a commodity.
Information may, however, be shared where reasonably necessary with:
- Authorized employees and personnel
- Clients for whom relevant services are being performed
- Banks, NBFCs or financial institutions, where applicable and authorized
- Professional advisors
- Technology and infrastructure providers
- Verification and analytical service providers
- Auditors
- Legal advisors
- Regulatory, judicial, governmental or law-enforcement authorities where legally required
- Other parties specifically authorized by the concerned individual
Access should be limited according to the nature and purpose of the engagement.
8. Service Providers
Debitum Cube Advisors Pvt. Ltd. may use third-party vendors for functions such as:
- Website hosting
- Cloud infrastructure
- Communication services
- IT support
- Data processing
- Security
- Analytics
- Customer relationship management
- Document management
Where appropriate, we expect service providers handling information on our behalf to maintain suitable confidentiality and security standards.
9. Data Security
Debitum Cube Advisors Pvt. Ltd. seeks to implement appropriate administrative, organizational and technical safeguards designed to protect information against:
- Unauthorized access
- Unauthorized disclosure
- Misuse
- Alteration
- Accidental loss
- Destruction
- Theft
- Cybersecurity incidents
However, no electronic transmission, database or online platform can be guaranteed to be completely secure.
Users should also take reasonable precautions to protect their devices, login credentials, documents and communication accounts.
10. Data Retention
Information may be retained only for as long as reasonably necessary for:
- Providing the relevant service
- Completing the purpose for which it was collected
- Maintaining required business records
- Handling complaints and disputes
- Meeting contractual obligations
- Fraud prevention
- Establishing or defending legal claims
- Compliance with applicable legal or regulatory requirements
Information that is no longer reasonably required may be deleted, anonymised, archived or otherwise handled in accordance with applicable requirements and internal retention practices.
11. Cookies and Similar Technologies
Our website may use cookies or similar technologies to:
- Enable website functionality
- Remember user preferences
- Understand website traffic
- Analyze website performance
- Improve user experience
- Maintain website security
Users may manage cookies through their browser settings.
Disabling certain cookies may affect website functionality.
12. Marketing Communications
Where permitted and appropriate, Debitum Cube Advisors Pvt. Ltd. may send communications regarding its services, updates or relevant offerings.
Users may request to stop receiving promotional communications by using any unsubscribe mechanism provided or by contacting:
Operational, security, grievance or service-related communications may still be sent where necessary.
13. Rights and Requests Concerning Personal Information
Subject to applicable law and the nature of the processing, an individual may contact Debitum Cube Advisors Pvt. Ltd. regarding:
- Access to information relating to them
- Correction of inaccurate information
- Updating incomplete information
- Request for deletion where permissible
- Withdrawal of consent where applicable
- Information regarding processing
- Grievances concerning handling of personal information
Requests may require reasonable verification of identity before action is taken.
14. Children's Information
Debitum Cube Advisors Pvt. Ltd.'s financial and business services are not intended to be independently used by children.
We do not knowingly seek to provide credit-related or debt-related services directly to minors unless permitted under applicable law and appropriately handled through an authorized parent, guardian or institution.
15. Third-Party Websites
Our website may contain links to websites, platforms or services operated by third parties.
Debitum Cube Advisors Pvt. Ltd. is not responsible for the privacy practices, security, availability or content of independent third-party websites.
Users should review the privacy policies of such third parties before providing personal information.
16. Changes to this Privacy Policy
Debitum Cube Advisors Pvt. Ltd. may modify this Privacy Policy from time to time to reflect changes in:
- Services
- Technology
- Business operations
- Legal requirements
- Regulatory expectations
- Information-management practices
The latest version will be made available on the website with the updated effective date.
17. Privacy Queries and Grievances
For questions, concerns or requests relating to this Privacy Policy or the handling of personal information, please contact:
Debitum Cube Advisors Pvt. Ltd. – Privacy & Grievance Desk Email: contact@debitumcube.com
Office Address: Debitum Cube Advisors Pvt. Ltd. Webel IT Park, Taratala Human Resource Development Centre Building Taratala, Kolkata West Bengal – 700088 Near Brace Bridge Railway Station India