WHY CLUSTER CREDIT MANAGEMENT SERVICES
- Offering end to end business process outsourcing services through innovative application of relevant technologies. We are committed to deliver and provide the best solution, in order to bring our affiliates to an excellent position in the market.
- At Cluster, we pride ourselves on being an early adopter of innovations in financial management.
- We are on the journey to being a responsible credit management service innovator, relentlessly reinventing to become the best in the world. We intend to expand into a 2500+ employee organization by 2025, serving companies relying on us to run their business.
Portfolio
WHY CLUSTER CREDIT MANAGEMENT SERVICES
Offering end to end business process outsourcing services through innovative application of relevant technologies. We are committed to deliver and provide the best solution, in order to bring our affiliates to an excellent position in the market.
We do due diligence process in place for engagement of our employees. Further, we engaged by them in the recovery process carry out verification of the antecedents of our employees, which may include pre-employment police verification, as a matter of abundant caution.
we properly trained to handle with care and sensitivity, their responsibilities, in particular aspects like hours of calling, privacy of customer information etc. also our executives have undergone with Indian Institute of Banking and Finance (IIBF), a certificate course for Direct Recovery Agents with minimum 100 hours of training and obtain the certificate from the above institute.
CLUSTER CREDIT MANAGEMENT SERVICES SPECIALIZES IN SERVICING OUR CLIENT'S NEEDS When you are a client of ours, we go the extra mile to service your accounts. We perform management audits at each step of collection process to assure maximum results on each account. We address your specific needs to bring you the highest return possible
EXPERIENCED PROFESSIONALS YOU CAN COUNT ON CLUSTER CREDIT MANAGEMENT SERVICES will work with a management and collection team of seasoned collection professionals. Every one of our employee is trained to assist you with any problems you might have in collection.
CONSISTENT COLLECTOR TRAINING At CLUSTER CREDIT MANAGEMENT SERVICES we devote one hour a week to continued collector training, including; Fair Debt Collection Practices Act Training, skip-tracing techniques, collection tactics, regularizing the NPA cases, daily maintaining DCR reports and numerous related topics. This system keeps every collector in compliance with both State and Federal laws Soft skill training
DRA TRAINING We provide complete 100 hours of mandatory training for the prescribed syllabus of Debt Recovery Agents / DRA Tele Callers at our Training Centre with IIBF certified trainers and coordinate them for DRA Examinations with IIBF (Indian Institute of Banking and Finance)
Contact
CLUSTER CREDIT MANAGEMENT SERVICES
Location:
182-185, 2ND Floor, GV Audio Vision (Backside), 100 Feet Road, Tatabad, Coimbatore - 641012.
Email:
clusterhrteam@gmail.com
Call:
91591-56542
Terms & Conditions
Effective Date: May 13, 2026
Welcome to CLUSTER CREDIT MANAGEMENT SERVICES (“Company”, “we”, “our”, or “us”). By accessing or using our website, services, communication channels, WhatsApp Business services, Facebook pages, or any digital platforms operated by us, you agree to comply with and be bound by the following Terms & Conditions.
If you do not agree with these terms, please refrain from using our website or services.
1. Company Overview
CLUSTER CREDIT MANAGEMENT SERVICES is engaged in providing business support, customer engagement, collection support, recovery assistance, tele-calling, field verification, and related consultancy services for financial institutions, banks, NBFCs, and business organizations.
2. Acceptance of Terms
By accessing this website or communicating with us through:
- Website forms
- WhatsApp Business (WABA)
- Messenger
- Telephone
you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy.
3. Website Usage
Users agree:
- To use the website only for lawful purposes
- Not to misuse or attempt unauthorized access to the website
- Not to upload harmful, misleading, or malicious content
- Not to disrupt website functionality or security
We reserve the right to restrict or terminate access for violations of these terms.
4. Communication Consent
By voluntarily providing your contact information, you authorize us to contact you through:
- Phone calls
- SMS
- WhatsApp messages
- Email communication
- Social media messaging platforms
Such communication may include:
- Service-related updates
- Verification requests
- Business communication
- Support assistance
- Promotional or informational content where applicable
Users may opt out of promotional communication by informing us directly.
5. WhatsApp Business & Meta Platform Usage
Our organization may use:
- WhatsApp Business API (WABA)
- Facebook Pages
- Messenger
for customer communication and business operations.
By interacting with us through Meta platforms, users acknowledge that:
- Communications may be monitored for quality and compliance
- Message records may be retained for audit and legal purposes
- Meta platform policies and terms also apply independently
- We do not guarantee uninterrupted availability of third-party communication platforms
6. Intellectual Property
All website content including:
- Logos
- Brand names
- Designs
- Text
- Graphics
- Documents
- Service descriptions
are the intellectual property of CLUSTER CREDIT MANAGEMENT SERVICES unless otherwise stated. Unauthorized copying, reproduction, modification, or distribution is prohibited without written permission.
7. Accuracy of Information
While we strive to maintain accurate and updated information on our website, we do not guarantee:
- Completeness
- Accuracy
- Reliability
- Availability
- Timeliness
Website content may be modified without prior notice.
8. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for:
- Third-party content
- Security practices
- Privacy policies
- Service interruptions
- External website accuracy
Users access third-party websites at their own risk.
9. Limitation of Liability
CLUSTER CREDIT MANAGEMENT SERVICES shall not be liable for:
- Direct or indirect damages
- Data loss
- Business interruption
- System failures
- Unauthorized access
- Communication delays
- Third-party platform issues
arising from website usage or digital communication services.
10. User Responsibilities
Users agree:
- To provide accurate information
- Not to impersonate others
- Not to misuse communication platforms
- To comply with applicable laws and regulations
Any misuse may result in restricted access and legal action where applicable.
11. Confidentiality
We strive to maintain confidentiality of business and customer information in accordance with applicable laws, internal policies, and professional standards. However, information may be disclosed:
- When required by law
- For regulatory compliance
- To authorized institutions or service providers
- To protect legal rights and prevent fraud
12. Service Availability
We do not guarantee uninterrupted website or communication service availability. Temporary interruptions may occur due to:
- Maintenance
- Technical issues
- Third-party service outages
- Internet failures
- Regulatory restrictions
13. Indemnification
Users agree to indemnify and hold harmless CLUSTER CREDIT MANAGEMENT SERVICES from any claims, damages, liabilities, or expenses arising from:
- Violation of these terms
- Misuse of the website
- Unlawful activities
- Unauthorized access attempts
14. Governing Law & Jurisdiction
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of the courts located in Coimbatore.
15. Changes to Terms
We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Updated versions will be published on our website with the revised effective date.
16. Contact Information
CLUSTER CREDIT MANAGEMENT SERVICES
Website:
www.cluster.co.in
Email:
clusterhrteam@gmail.com
Address:
182-185, 2nd Floor, GV Audio Vision (Backside),
100 Feet Road, Tatabad,
Coimbatore – 641012
By using our website and communication services, you agree to these Terms & Conditions.
Privacy Policy
Effective Date: May 13, 2026
Welcome to CLUSTER CREDIT MANAGEMENT SERVICES (“Company”, “we”, “our”, or “us”). We are committed to protecting the privacy and confidentiality of our clients, customers, website visitors, employees, and business associates.
This Privacy Policy explains how we collect, use, store, process, and protect information when you access our website, communicate with us through WhatsApp Business (WABA), Facebook, Meta platforms, email, telephone, or any of our digital services.
1. Information We Collect
We may collect the following categories of information:
Personal Information
- Name
- Mobile number
- Email address
- Address and location details
- Employment details
- Customer reference or account details
- Communication records
Technical Information
- IP address
- Browser type
- Device information
- Cookies and website usage data
- Login activity and timestamps
Communication Data
When you contact us through:
- WhatsApp Business API (WABA)
- Facebook Pages
- Messenger
- Contact forms
- Email or phone calls
we may store communication history for service, compliance, quality, training, and audit purposes.
2. Purpose of Data Collection
We collect and process information for the following purposes:
- Providing collection and recovery support services
- Customer communication and support
- Responding to inquiries and service requests
- Sending updates, alerts, reminders, and notifications
- Managing empanelment and business relationships
- Legal, compliance, and regulatory obligations
- Fraud prevention and security monitoring
- Improving our website and customer experience
- Marketing and promotional communication through approved channels
3. WhatsApp Business API (WABA) Usage
Our organization may use WhatsApp Business services provided through Meta Platforms for business communication purposes.
By communicating with us through WhatsApp, you acknowledge and agree that:
- Your mobile number and chat communication may be processed by Meta Platforms and its service providers.
- Messages may be retained for compliance, audit, quality monitoring, and customer support purposes.
- We may send transactional, service-related, or consent-based promotional messages.
- We do not sell or misuse your WhatsApp information.
Users may opt out of promotional communication at any time by replying with “STOP” or contacting us directly.
4. Facebook & Meta Platform Usage
We may operate and manage official accounts/pages on:
- Messenger
- WhatsApp Business
Interactions through Meta platforms may result in collection of:
- Public profile information
- Communication details
- User engagement data
- Message history
Such data is used strictly for customer support, communication, business operations, marketing, and service improvement.
Use of Meta services is also governed by Meta’s own privacy policies and terms.
5. Cookies & Website Tracking
Our website may use cookies and similar technologies to:
- Improve website performance
- Understand visitor behavior
- Enhance security
- Maintain session management
- Analyze website traffic
Users may disable cookies through browser settings; however, certain website features may not function properly.
6. Data Sharing & Disclosure
We do not sell personal information to third parties.
Information may be shared only:
- With authorized service providers and technology partners
- For legal or regulatory compliance
- With banking or financial institutions where required
- To protect legal rights and prevent fraud
- When required by law, court order, or government authority
7. Data Security
We implement reasonable administrative, technical, and organizational safeguards to protect information against:
- Unauthorized access
- Data misuse
- Alteration
- Disclosure
- Loss or destruction
Despite our efforts, no digital transmission or storage system can be guaranteed to be 100% secure.
8. Data Retention
We retain information only for:
- Business purposes
- Regulatory compliance
- Audit requirements
- Legal obligations
- Dispute resolution
Data may be securely deleted or anonymized after the applicable retention period.
9. User Rights
Users may request:
- Access to personal information
- Correction of inaccurate data
- Deletion of information where legally permissible
- Withdrawal of communication consent
- Clarification regarding data usage
Requests may be submitted through the contact details provided below.
10. Third-Party Services
Our website or communication channels may contain links or integrations with third-party platforms including Meta services, payment gateways, or external applications.
We are not responsible for the privacy practices of third-party websites or services.
11. Compliance & Regulatory Standards
We strive to maintain responsible business practices and comply with applicable Indian laws, banking guidelines, and industry standards relating to:
- Data privacy
- Information security
- Customer confidentiality
- Digital communication practices
12. Children’s Privacy
Our services are not intended for individuals below 18 years of age. We do not knowingly collect information from minors.
13. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time without prior notice.
Updated versions will be published on our website with the revised effective date.
14. Contact Information
CLUSTER CREDIT MANAGEMENT SERVICES
Website:
www.cluster.co.in
Email:
clusterhrteam@gmail.com
Address:
182-185, 2nd Floor, GV Audio Vision (Backside),
100 Feet Road, Tatabad,
Coimbatore – 641012, Tamil Nadu, India.