Cookie Policy

This Cookie Policy explains how E-Revbay Private Limited (ERB) ("Q", "we", "us", or "our") may use cookies, web beacons, tracking pixels, and other tracking technologies when the User visit or use our platform. This includes any other media form, media channel, mobile website, or mobile application related or connected thereto and further including any amendments/ modification/ update thereon (collectively, the "Platform") to help customize and improve the experience. We encourage you to read this policy carefully. By continuing to browse or use the Platform, you consent to our use of cookies as described in this policy.

1. What Are Cookies?

Cookies are small data files, often including an anonymous unique identifier, that are stored on your browser or device when you visit a website or use an application. They enable websites and apps to remember your preferences, enhance your user experience, and help us understand how our services are used.

Cookies serve a variety of functions such as enabling secure logins, remembering user preferences, and facilitating analytics. These may be session cookies (which expire when you close your browser) or persistent cookies (which stay on your device until you delete them, or they expire automatically).

2. Why Does Q Use Cookies?

We use cookies and similar technologies to:

Ensure the technical functionality and security of the Platform;
Facilitate user registration, including OTP (One-Time Password), M-PIN (Mobile Personal Identification Number) and password, and biometric logins;
Remember user settings, preferences, and previous activity;
Provide tailored recommendations and services, including generating the Q Report;
Understand user behavior to improve platform performance;
Facilitate communication between you and Q (e.g., chat support, lead allocation).
Cookies also help us maintain compliance with regulatory obligations by ensuring that consent is properly managed and recorded.
Support transaction-related features for paid services, including enabling session continuity during Q report purchase, recognizing returning users, and ensuring secure and seamless payment redirection.
To maintain continuity of the credit report retrieval and Q Report purchase flow, including preserving user sessions, and redirecting users post-payment or failure.

3. Types of Cookies We Use

We categorize the cookies we use as follows:

Strictly Necessary Cookies
These cookies are essential for the operation of the Platform. Without these cookies, core services like registration, login (via OTP, MPIN and password, biometric), and secure navigation cannot function. Examples: session validation, CSRF protection, authentication tokens.
Performance and Analytics Cookies
These cookies collect information about how users interact with our Platform. This helps us analyze performance, detect errors, and improve the user experience. We may use third-party analytics tools like Google Analytics (subject to local compliance requirements).
Functionality Cookies
These cookies allow the Platform to remember your choices, such as language, region, and customized settings. They enhance usability and convenience during repeat visits. Examples: storing user profile preferences, remembering last credit score refresh status.
Targeting and Advertising Cookies
We may use these cookies to display personalized content or ads based on your interests and usage history. These may include cookies from our marketing partners or affiliate networks.
Note: We always seek your consent before deploying such cookies.
Third-Party Cookies
These cookies are set by services we integrate into our Platform, such as embedded customer support widgets, social media plugins and identity verification services (for example for credit score refresh,). We do not control the privacy practices of these third-party services, and we encourage you to review their respective policies.

4. Control of Cookie

Most browsers are set to accept cookies by default. However, the User can remove or reject cookies in the browser’s settings. Please be aware that such action could affect the availability and functionality of this Website.

For more information on how to control cookies, check the browser or device’s settings for how to control or reject cookies.

5. Data Collected via Cookies

Cookies used on our platform may collect and process various categories of data to enhance user experience and improve our services. This includes, but is not limited to, your IP address, login timestamps, usage behavior (such as pages visited, links clicked, and time spent on each page), location data (where permitted), and preferences including language, time zone, and regional settings. Additionally, cookies may collect any other categories of data that are specified in this Cookie Policy or as may be notified through amendments or updates to this policy from time to time.

6. Consent and Control

By using our Platform, you consent to the placement of cookies on your device in accordance with this policy. You may withdraw or modify your consent at any time by changing your cookie settings or deleting cookies from your browser.

In compliance with applicable laws in India (including the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023, where applicable), we will:

Obtain explicit consent for non-essential cookies;
Provide a cookie banner on your first visit;
Offer a mechanism to manage or withdraw consent.

7. Changes to This Cookie Policy

We may update this policy from time to time to reflect changes in our technology, legal obligations, or business practices.

8. Contact Us

If you have any questions, concerns, or complaints regarding this Cookie Policy or our data practices, please contact us at:

Email: [email protected]

Phone: 7710883830

Address: 2nd Floor, I-Square, Near Ram Mandir Railway Station, Goregaon West, Mumbai, Maharashtra 400104