Welcome to LetterOfCreditOnline.com. We value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit our website or use our services. By accessing or using our site, you agree to the terms outlined in this policy.

Information We Collect

Personal Information

We collect personal information that you provide to us directly. This may include, but is not limited to:

• Contact Information: Name, email address, phone number, and mailing address.
• Financial Information: Bank account details, credit card information, and other financial details necessary for processing transactions.
• Identification Information: Passport number, driver’s license number, or other government-issued identification.

Non-Personal Information

We may also collect non-personal information that does not directly identify you. This may include:

• Browser and Device Information: IP address, browser type, operating system, and device type.
• Usage Data: Information about how you use our website, including the pages you visit, the time spent on those pages, and other similar information.

Cookies and Tracking Technologies

We use cookies, web beacons, and other tracking technologies to enhance your experience on our website. These technologies help us understand how you interact with our site and allow us to provide a more personalized experience.

Types of Cookies We Use

• Essential Cookies: These cookies are necessary for the website to function properly.
• Performance Cookies: These cookies help us understand how visitors interact with our site by collecting and reporting information anonymously.
• Functionality Cookies: These cookies remember choices you make to improve your experience.
• Targeting Cookies: These cookies are used to deliver advertisements relevant to you and your interests.

How We Use Your Information

We use the information we collect for various purposes, including:

• Providing and Improving Our Services: To process your transactions, manage your account, and improve our services.
• Communication: To send you updates, newsletters, and other communications related to our services.
• Compliance: To comply with legal obligations and protect the rights and safety of our users and third parties.
• Marketing and Advertising: To deliver targeted advertising and promotional materials.

Sharing Your Information

We may share your information with third parties in the following situations:

• Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, and customer service.
• Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Data Security

We implement a variety of security measures to protect your personal information. These measures include encryption, access controls, and secure data storage. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights and Choices

You have several rights regarding your personal information, including:

• Access: You can request a copy of the personal information we hold about you.
• Correction: You can request that we correct any inaccurate or incomplete information.
• Deletion: You can request that we delete your personal information, subject to certain legal restrictions.
• Objection: You can object to the processing of your personal information for certain purposes.
• Withdrawal of Consent: If you have given consent for processing, you can withdraw it at any time.

To exercise these rights, please contact us at info@chandracredit.com.

International Data Transfers

Your information may be transferred to and processed in countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country. We take steps to ensure that your data is treated securely and in accordance with this Privacy Policy.

Retention of Your Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently received personal information from a child under the age of 18, we will delete such information from our records.

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 our website and updating the “Last Updated” date at the top of this policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: info@chandracredit.com
Address: Noida One Building , 9th floor office No – 923, Tower C,b-8, Sector -62, Gautam Budh Nagar, (Up), India, Pin 201309

Detailed Breakdown of Data Collection Practices

Contact Information Collection

We collect contact information to communicate effectively with our users. This information is necessary for creating accounts, sending transactional communications, and providing customer support. We also use this information to send promotional materials, but only if you have opted in to receive such communications.

Financial Information Collection

Financial information is essential for processing payments and managing transactions. We adhere to strict security protocols to ensure that your financial data is protected during transmission and storage. Our payment processors comply with industry standards and regulations to safeguard your financial information.

Identification Information Collection

Identification information may be required for certain services, such as verifying your identity for compliance with anti-money laundering (AML) regulations. This information is stored securely and only used for the purposes for which it was collected.

Use of Cookies and Tracking Technologies

Cookies and tracking technologies are small data files that are placed on your device when you visit our site. They help us understand user behavior, improve site performance, and deliver relevant advertisements.

Managing Cookies

You can manage your cookie preferences through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, if you disable cookies, some features of our site may not function properly.

Third-Party Services

We may use third-party services for various purposes, including analytics, advertising, and payment processing. These third parties may collect information about your online activities over time and across different websites when you use our site.

Analytics

We use analytics services, such as Google Analytics, to understand how visitors interact with our site. These services collect information about your use of our website and generate reports to help us improve our services.

Advertising

We partner with third-party advertising networks to display ads on our site and other websites. These networks use cookies and similar technologies to collect information about your browsing habits and show you targeted advertisements.

Payment Processing

We use third-party payment processors to handle transactions securely. These processors comply with industry standards and regulations to ensure the security of your financial information.

Legal Basis for Processing Personal Information

We process personal information based on the following legal grounds:

• Contractual Necessity: To provide our services and fulfill our contractual obligations to you.
• Consent: With your consent, for example, when you subscribe to our newsletter or agree to receive marketing communications.
• Legitimate Interests: For our legitimate business interests, such as improving our services, preventing fraud, and ensuring the security of our website.
• Legal Obligations: To comply with legal requirements and respond to lawful requests from public authorities.

User Rights Under GDPR

If you are a resident of the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR). These include:

• Right to Access: You have the right to access your personal data and obtain a copy.
• Right to Rectification: You have the right to request correction of inaccurate or incomplete data.
• Right to Erasure: You have the right to request deletion of your personal data, subject to certain conditions.
• Right to Restrict Processing: You have the right to request restriction of processing of your personal data.
• Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format.
• Right to Object: You have the right to object to the processing of your personal data under certain circumstances.
• Right to Withdraw Consent: If we process your data based on consent, you have the right to withdraw your consent at any time.

To exercise your rights under GDPR, please contact us at info@chandracredit.com.

CCPA Privacy Rights

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including:

• Right to Know: You have the right to request information about the categories and specific pieces of personal data we have collected about you.
• Right to Delete: You have the right to request the deletion of your personal data, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale of your personal data.
• Right to Non-Discrimination: You have the right to not be discriminated against for exercising any of your CCPA rights.

To exercise your CCPA rights, please contact us at info@chandracredit.com.

Data Protection for Users Outside the EEA

For users residing outside the EEA, we adhere to applicable data protection laws in your jurisdiction. We strive to provide the same level of protection to all users