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Privacy and Security Policy

Introduction:

A & A Dukaan Financial Services Private Limited (hereinafter referred to as “BankBazaar/ we/ our”) acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) with regard to privacy, confidentiality and security of their Personal Information that resides with the BankBazaar. Keeping Personal Information of customers secure and preventing any misuse thereof is a top priority of BankBazaar.

BankBazaar is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with the best industry practice to protect the confidentiality of the customer information and its transmission through website and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the ‘Terms of Use’ of Website or agreement, if any, with the customers.

This Privacy & Security Policy (hereinafter referred to as “Policy”) explains how we protect Personal Information provided to our websites such as www.bankbazaar.com (hereinafter referred to as “Website”) & our other co-branded site http://ndtvmoney.bankbazaar.com (hereinafter referred to as "Sites") and how we use that information in connection with our service offered through the Website (hereinafter called as "Service").

Personal Information:

Personal Information (which may be a Sensitive Information “SI”) means any information/documents/details that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the BankBazaar, is capable of identifying such person.

Applicability:

This Policy is applicable to the Personal Information (including but not limited to details pertaining to your name, parentage, marital status, nationality, state of residence, city of residence, email address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, e-KYC through UIDAI, other Know Your Customer (KYC) documents like address proof, identity proof, income proof, PAN or such other officially valid documents/details (OVDs) accepted for concluding a financial transaction) which are shared/ uploaded by you, as and when you avail the products and services vide the online application forms and questionnaires through usage of Website and which BankBazaar may become privy to. By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website and to our online customers. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy. BankBazaar reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.

Express Consent:

Purpose and Usage:

  1. BankBazaar will not sell or rent your Personal Information to anyone, for any reason, at any time. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners, where we feel that they will be able to assist you better for the purpose of underwriting and approval of your credit card, loan and approving investment in Mutual Fund or any other financial product transaction/related transaction. BankBazaar uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website. Further, it enables BankBazaar to:
    • analyse usage of the Website and to improve the Service;
    • send you any administrative notices, offer alerts and communications relevant to your use of the Service;
    • enable you to apply for certain products and services for which you have chosen to apply;
    • Carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
    • bind third-party contractors that provide services to BankBazaar and are bound by these same privacy restrictions;
    • Comply with all applicable laws and regulations;
    • enforce BankBazaar Terms of Use.
  2. In the event that you access the Service as brought to you by one of our partners either through the Website (www.bankbazaar.com) or on being redirected from a co-branded URL otherwise referred to as a white-label site, your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, PAN, details of loan / credit card/ Mutual Fund applied for and loan, credit card and Mutual Fund status or any other financial product status as may be provided to that partner when your application is submitted and whenever the status of application is updated. BankBazaar has a business relationship with these partners and you may not opt-out of sharing your information with these partners if you have applied via a co-branded URL or directly through the Website as the case may be.
  3. For availing the Service such as applying for a loan, credit card, Mutual Fund or any other financial product we will require you to provide/upload on the Website the details such as a your name, parentage, marital status, email address, nationality, , mobile number, PAN r, employment & income details/proofs, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (should you select this option), password and to participate on our forum boards, a username (collectively the "Registration Information").
  4. In order to provide your bank statement or payslip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow BankBazaar to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/payslips and are not stored in our system. However, BankBazaar shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord.
  5. We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them.

Disclosure / Sharing:

BankBazaar does not disclose sensitive personal data or Personal Information including SI of a customer except as directed by law or as per mandate received from the customer / applicant. No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:

Intimation by customers regarding change in registration information:

If your Registration Information provided to us when you had applied for a product on our Website or Sites changes, you may update it whenever you apply for a new product via our Website or Sites. To review and update your Personal Information and to ensure that the same is accurate while your application is in process, you may contact us at [email protected]. You will not be able to update the information you have provided in an application after a decision has already been made on it; however you may create and submit a new application with your updated information.

Note: We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at [email protected]. We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.

Email & SMS communications from us and our partners:

We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting BankBazaar or third-party products. BankBazaar’s Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts. The above services are also provided by our partners.

Log Files:

This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.

Cookie Policy:

If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of our Website. Cookies are small electronic files that collect information when someone visits a website. They can identify the pages that are being viewed and this can assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. Some cookies only exist whilst viewers are online, but 'persistent' cookies are not session-based and remain on the viewer's computer. When you visit this Website again, 'persistent' cookies can enable us to customize our content according to your preferences.

Technologies such as: cookies, beacons, tags and scripts are used by us and our partners like banking and financial entities, affiliates, or analytics or service providers use technologies such as google Ad sense, google analytics etc. These technologies are used in analysing trends, administering the Website, tracking user’s movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

Cookies used by BankBazaar are Sessionid, TRCKR, UBID etc.

We use cookies for on our Website in order to personalize our service to you. By using our Website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her web browser settings. User/s can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our Website may be limited. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. To find out more about accepting or refusing cookies from www.allaboutcookies.org. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.

We use Local Storage Objects (LSOs) such as Flash and HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash cookies, please click herein below:

http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html

BankBazaar is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.

Behavioural Targeting / Re-Targeting:

We partner with a third party service provider to either display advertising on our Website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this Website and other Sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Third parties will not be given your Personal Information unless you direct BankBazaar to do so:

There are a number of products and services, such as loans, credit cards, Mutual Fund and other financial products being offered by third parties on our Website, such as lenders, banks, credit card issuers and mutual funds (collectively "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. BankBazaar is not responsible for their privacy practices.

Testimonials, Blogs and other forums on BankBazaar Website:

With your consent BankBazaar may post your testimonial along with your name. If you want your testimonial removed please contact BankBazaar at [email protected].

If you use a blog or other public forum on Website, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. BankBazaar is not responsible for the Personal Information you choose to submit in these forums.

Additional Policy Information

  1. Widgets: Our website includes Widgets, which are interactive mini-programs that run on our Website to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal Information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it and not by the BankBazaar.
  2. Single Sign-On: You can log in to our Website using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain Personal Information with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Website to your profile page to share with others within your network.
  3. Like Button: If you use the "Like" button to share something that item will appear on your Facebook profile page and also on your friends’ newsfeed depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this Website or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
  4. Links to 3rd Party Sites: Our Website includes links to other websites whose privacy practices may differ from those of BankBazaar. If you submit your Personal Information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

We keep your data secure:

We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it. Since no method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at [email protected].

We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect BankBazaar online accounts and systems from unauthorized access.

When you register for the Service, BankBazaar requires a password from you for your privacy and security. BankBazaar transmits information such as your Registration Information for Website or Account Credentials securely.

Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card and biometrics recognition procedures. Security personnel monitor the facilities 7 days a week, 24 hours a day.

Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.

We enforce physical access controls to our buildings.

No employee may put any sensitive content on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).

BankBazaar has been verified for its use of SSL encryption technologies and audited by TRUSTe for its privacy practices. In addition, BankBazaar tests the Website using Acunetix scan for any failure points that would allow hacking.

However, it is important to understand that these precautions apply only to our Website and systems.

All Private Information is encrypted and communicated securely:

All communications between your computer and our Website that contain any Personal Information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.

You are responsible for maintaining the confidentiality of your login id and password:

You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at [email protected]. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the BankBazaar Terms of Use.

If you have any security related concern, please contact us at [email protected]. We will work closely with you to ensure a rapid and personal response to your concerns.

Contact us with any questions or concerns:

If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to [email protected].

BankBazaar.com (A & A Dukaan Financial Services Private Limited), 3rd Floor, Hameedia Center, 14/43 Haddows Road, Nungambakkam, Chennai - 600006, India

Relationship with TRUSTe:

TRUSTe Privacy Certification

In order to view our relationship with TRUSTe you are requested to visit the validation page visible by clicking on the TRUSTe seal hereinabove. Further, if you have an unresolved privacy or data use concern that has not been addressed satisfactorily, you are advised to contact TRUSTe at https://feedback-form.truste.com/watchdog/request. The TRUSTe program covers only information that is collected through the Websites http://www.bankbazaar.com and http://ndtvmoney.bankbazaar.com and does not cover any information that may be collected through our mobile application.

Notice:

The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.

Effective Date

1st of September 2016

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