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Legal Disclaimer

Onicra Credit Information Company Limited


Onicra Credit Information Company Limited ("Onicra," “helloverify”, "We," "Us" or "Our") has developed for the benefit of the users of its Website ("You," "Your" and "Yourself") i.e. (the "Website") and by this privacy policy ("Privacy Policy") we demonstrate our serious commitment to protecting the privacy of the information that we collect through the Website. This Privacy Policy summarizes how Onicra handles the personally identifying information that you voluntarily provide, for yourself or for any other Individual by obtaining his consent, when you use the website and that we may automatically collect when you visit the Website ("Personal Information").

If you are accessing, using or browsing this Website on behalf of an individual other than yourself, which may be either a natural person or an entity other than yourself:

This Website is controlled, owned and operated by Onicra from its offices within the National Capital Region (NCR), India. Accordingly, this Privacy Policy, and how Onicra handles the information that you voluntary provide when you use the Website and information that we may automatically collect when you visit the Website, is governed by Indian laws, and not by the laws of any country, territory or jurisdiction other than the India and more specifically Courts of State of Delhi, India.

Onicra make no representations that the Website is appropriate or available for use outside of the India. Access to the Website from territories where its contents or purpose is illegal is prohibited. Those who choose to access the Website are responsible for compliance with applicable local laws and regulations.

Your use of this Website will be deemed conclusively to constitute your acceptance of and agreement to this Privacy Policy and all portions hereof.

Onicra reserves the right, at its sole discretion, to change this Privacy Policy at any time. If we decide to change the Privacy Policy, We will then post the changes in appropriate places on the Website so that you are aware of the changed Privacy Policy. Your continued use of the Website after the effective date for any such changes to the Privacy Policy will be deemed conclusively to constitute your acceptance of and agreement to the changed Privacy Policy; consequently, you should frequently review this Privacy Policy.

Onicra categorise information about you (collectively referred to as "Personal Information") as follows:

  1. Profiling Information:Information which you provide when you register for a Service, which may include some or all of the following:
    • Information of Requestor’s or Person to be verified including but not limited to gender, marital status, age, preferences, personal identity information, residential address, education qualification, employment details both present/past, financial and income information, likes and dislikes etc.;
    • Your financial information such as your banking details and any information relating to your income and lifestyle levels; and
    • Your contact details such as your physical addresses, postal addresses, telephone and fax numbers and the like.
    • In the case of facebook aligned services (if so opted by you), publicly available information of your friends, their likes and dislikes, etc.
  2. Payment and Account Information: Your account history with us including (without limitation) all billing information and communications, payment history etc. Onicra maintain this in encrypted form on secure servers.
  3. Service Usage: Information about your navigation using our Services, for example the URLs of websites, which you visit and from which you request downloads.
  4. Log information: Information such as your web request, IP address, browser type, browser language, date and time of request.
  5. Transactional Information: Transactional history (other than banking details) about your e-commerce activities.
  6. Correspondence Information: Content, information about your correspondents, and the destination/origin of communications between you and any other person using our Services, which include email communications, SMS updates, Telephone Calls, blog, chat room and discussion board communications, instant message communications, experts forum communications, faxmail communications, membership of mailing lists etc.
  7. User IDs: Your usernames, passwords, email addresses and other security-related information used by you in relation to our Services.
  8. Stored Information: Data either created by you or by a third party and which you wish to store on our servers such as image files, documents etc.
  9. Protected Personal Information: The combination of this Personal Information with services required-related information provided by you with the Appointment Information shall be is called "Protected Personal Information".

Onicra only collect your Personal Information to conduct our business and to enable us to deliver and improve our Services.

Onicra may share Your Personal Information:

  1. with third parties who have agreements with us, including marketers, advertisers and other service providers;
  2. if Onicra is required by law to do so, including laws outside your country of residence;
  3. in the event of a transfer of ownership of Onicra, merger or other similar transaction (including one in connection with any bankruptcy or similar proceedings); or
  4. as otherwise set forth in this Privacy Policy, including as set forth below.

Note: However, that Onicra is not and cannot be responsible for the activities or privacy policies of any third party with whom Your Personal Information is shared.

AnchorOnicra shall become lawful owner of the information received by it and shall dispose off/use/retain such information at its will. If you decline to submit personal information to us, then we will unfortunately not be in a position to provide the Services to you. Any of your information which you provide when you use certain Services and are to an open, public environment or forum including (without limitation) any blog, community or discussion board, is not confidential, does not constitute Personal Information, and is not subject to protection under Privacy Policy. Since such public environments are accessible by third parties, it is possible that third parties may collect and collate and use such information for their own purposes. You should accordingly be careful when deciding to share any of your Personal Information in such public environments. Information, which is disclosed publicly, is also shared with our affiliates, third party service providers, sponsors of competitions etc. unless expressly stated otherwise. Onicra are not liable to you or any third party for any damages that you or any third party may suffer howsoever arising from your disclosure of Personal Information in any public environment. You accordingly disclose information in a public environment at your own risk.

How does Onicra use and disclose Your Protected Personal Information

When you use the Visually Verified Service to request verification of a selected Person, all Personal Information that You submit with the website or created from your use of the Visually Verified Service is used and disclosed by Onicra as a Business Associate according to the terms of a service to Person to be verified. This means that Onicra may only use and disclose your Personal Information on behalf of, or to provide services to, the Person proposed to be Visually Verified according to the terms of the Agreement. There are four exceptions to this use and disclosure rule. Onicra may use and disclose your Personal Information:

  1. for its internal management and administration;
  2. to carry out its legal responsibilities; and
  3. to perform certain data aggregation services for the Service Providers;
  4. For any other purpose as may be permitted legally and deemed fit by Onicra.

Provided that, any disclosures for our internal management and administration or to carry out our legal responsibilities are either required by law or made after Onicra obtains reasonable assurances from the person to whom the Protected Personal Information is disclosed that it will be held confidentially and used or further disclosed only as required by law or for the purpose for which it was disclosed to that person.

Some of the Verification Services available through the Visually Verified Services for a particular Person may be provided by subcontractors of Onicra. The Subcontractor must comply with the same terms and conditions for the Personal Information that applies to Onicra as a Business Associate.

As a Business Associate of a particular Service Provider, Onicra may be permitted to de-identify your Protected Personal Information created or received by us for that Person/Service Provider. This De-Identified Information must be created according to criteria prescribed by us so that there is no reasonable basis to believe that this information can be traced back to you. Onicra may use and disclose any such De-Identified Information in the same manner as Personal Information under this Privacy Policy.

What does Onicra do to keep Your Personal Information and Protected Personal Information Secure

On this Website and within Onicra, we seek to use appropriate administrative, technical and physical security measures to reasonably safeguard Your Personal Information under our control from unauthorized use, release or access.

Please be advised, however, that although Onicra has endeavored to create a secure and reliable Website for its users, the confidentiality and security of any communication or material transmitted to or from Onicra via this Website or e-mail cannot be guaranteed to be 100% secure at any time. When disclosing any Personal Information, You should remain mindful of the fact that it is potentially accessible to the public, and consequently, can be collected and used by others without your consent. Accordingly, you should consider carefully if you want to submit sensitive information that you would not want disclosed to the public and should recognize that your use of the Internet and this Website is solely at your risk. You, alone, are ultimately responsible for maintaining the secrecy for all Your Personal Information. Onicra has no responsibility or liability to anyone for the security of your Personal Information transmitted via the Internet. Onicra urges all of its users to be careful and responsible whenever they are on-line.

If you have any reason to believe that your interaction with Onicra through this Website is no longer secure, please immediately notify us of this problem as described in the "Further questions or comments?" section below.


By accepting the Terms of Service you agree that we may collect and store your Personal Information as long as you use our Services subject to the limitations set out in this Privacy Policy. We collect your Profiling and Account Information for the following reasons:

  1. Onicra regularly makes improvements to the Website to provide its many users with a more personalized, relevant and intelligent service. The collection of Personal Information greatly assists us in this improvement process by identifying the interests and needs of the many users to this Website. Collection of Personal Information also assists Onicra by allowing it and its affiliates to advertise its products and/or services in a more efficient manner. Through the use of Cookies and on-line data entry, survey, product purchase and registration forms, Onicra may monitor, in aggregate and individual form, Personal Information. Although our primary goal in collecting Personal Information is to deliver a customized and personalized service to the users of the Website, Onicra may also use Personal Information to send users e-mail notification of new features or information available through the Website or that Onicra otherwise feels might be of interest to users of this Website; and
  2. Onicra need your i.e. Requestor’s details /details of Person to be verified, including but not limited to, such as identity details, education qualification details, employment details (both present/past), contact details, residential address, banking information and account history etc. to manage our relationship with you and provide Services to you. We may use this information for suggesting products and promotional offers and schemes.
  3. Onicra use certain of your information in an aggregated form to compile statistical and demographical profiles for our business and marketing activities. Onicra may disclose such information about you, provided that the information is in an aggregated form that is not capable of being used or interpreted in such a manner as to identify you.

Onicra collects and stores your Service Usage and Transactional Information to:

  1. determine and verify the Service Charges payable by you and to administer our relationship with you.
  2. comply with any statutory or regulatory requirement.
  3. compile statistical and demographical profiles about you for our business and marketing activities and to customise our Services to you. While we are entitled to use such information about you for our own internal business purposes without limitation, we will only disclose it in an aggregated form which is not capable of being used or interpreted in such a manner as to identify you; and
  4. monitor your use of our Services for the purposes of ensuring compliance with our User Agreement.

Onicra collect and store your Correspondence Information and Personal Identifiers to:

  1. comply with our obligations under law; and
  2. monitor your use of our Services in order to ensure your compliance with our User Agreement.

Any Personal Information which we collect and which we may use in an aggregated format ensuring you are not individually identified is our property. We may use it, in our sole discretion and without any compensation to you, for any legitimate purpose including (without limitation) the commercial sale thereof to third parties. Sometime we use "cookies" so that we can provide you with more customised information when you return to our website. "Cookies" are used to store user preferences and to track user trends, so as to enhance your interactive experience and generally improve our Services to you. You can set your browser to notify you when you are sent a "cookie", giving you the chance to decide whether or not to accept it. If you do accept a "cookie", you thereby agree to our use of any Personal Information collected by us using that Cookie. You may update your Profiling Information at any time on the website. You acknowledge and agree that in the interests of improving personalisation and Service efficiency, we may, under controlled and secure circumstances, share your Personal Information with our affiliates (an entity which is our subsidiary or holding company or a subsidiary of our holding company or an entity which controls, is controlled by or is under common control with us).


If we are required to intercept, disclose, monitor and/or store your Personal Information:

  1. by law;
  2. to conduct our business;
  3. to secure our systems; or
  4. to enforce our own rights, we will do so in the manner as prescribed by law.

Such interception, disclosure, monitoring and storage may take place without your knowledge. In that case, we will not be liable to you or any third party for any damages howsoever arising from such interception, disclosure, monitoring and storage. In order to ensure that all our Users comply with the User Agreement, we may monitor your Personal Information to the extent that this may be required to determine compliance and/or to identify instances of non-compliance. To ensure that the security and integrity of our Services are safeguarded, we may monitor your Personal Information. This monitoring may include (without limitation) the filtering of incoming and outgoing electronic data messages to identify, limit and/or prevent the transmission of spam, viruses and/or unlawful, defamatory, obscene or otherwise undesirable material or content. We may under certain circumstances procure an element of the Services from a third party service provider. To the extent that it may be necessary, and solely for the purposes of providing the Service to you, you agree that we may disclose to such third party any of your Personal Information that may be necessary for the procurement of services from the third party.

Onicra further disowns liability towards any damages arising from interruption, suspension or termination of the web site, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent and in no event shall be liable to you for any damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the web site or for obtaining a policy or service from the website, as applicable.

Further questions or comments

Onicra welcomes your questions and comments about this Privacy Policy or the use of Your Personal Information. Please send any questions or comments to Onicra to the e-mail address

Date Last Updated: 19th February, 2015

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