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.
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 (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.
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.
Purpose and Usage:
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.
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.
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 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:
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
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:
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:
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.
The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.
1st of September 2016