Do Right

Privacy Commitment

Tata Capital Financial Services Limited (“Company”) providing/rendering certain products/ service the visitors/users of its website (“Website”) is committed to upholding the privacy and security of the information supplied by every person (“User”) accessing and using the Website. For the purposes of this privacy policy (“Privacy Policy”), “we”, “our” and “us” shall mean the Company, and/or third-party service providers engaged by the Company to render certain services on the Website and “you” and “your” shall mean a User who meets the eligibility criteria set out below.
This Privacy Policy briefly provides the manner in which we collect and use your information. By accessing or using the Website, you signify that you have read, understood and agree to be bound by this Privacy Policy. We reserve the right to update or modify this Privacy Policy at any time without prior notice. Your access and use of this Website following any such change constitutes your agreement to follow and be bound by this Privacy Policy, as updated or modified. For this reason, we encourage you to review this Privacy Policy each time you access and use this Website.

I. Information Collected:

In the course of using this Website or availing the products and services vide the online application forms and questionnaires, the Company and its affiliates/ subsidiaries may become privy to your personal information, including information that is of a confidential & sensitive nature.

Further, we will collect your personal information. While some User information has to be mandatorily provided, others are optional and certain portions of the information will remain private and some will be displayed to other users. Additional information may be gathered during subsequent use of the Website by you, whenever you choose to provide it.

A. We have taken all necessary and reasonable measures to protect the confidentiality of your information and its transmission through the world wide web and we shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Policy or in terms of the agreements, if any, with you.

B. Certain mandatory information will be collected at the time of registration on the Website which is required to enable you to login to the Website and for us to:

          • i. verify your identity;

          • ii. determine your eligibility for using its proprietary technology; and

          • iii. safeguard against illegal activities like fraud, cheating, misappropriation, etc.

C. In order to use the facilities and services available on the Website, you may be required, from time to time, to provide certain additional personal information after registration on the Website, which information shall be collected only upon receiving your express consent.

D. We may also automatically receive and collect certain anonymous information in standard usage logs through the web server, including mobile-identification information obtained from the equivalent of “cookies” sent to the Website, including mobile network information, standard web log information, traffic to and from our Website, tracking inside the Website and any other available information, from:

          • i. an IP address, assigned to the device used by you;

          • ii. the domain server through which you access the Website and the functions and features therein; and

          • iii. the type of device used by you.

E. You may choose to provide us with access to certain personal information stored by third party sites. We will have access to such information to the extent allowed by your privacy settings on that site and your specific authorization. In the event you associate your account managed by us with an account maintained with any third party to enable us to access certain information maintained in such third party managed accounts, you agree that we may collect, store and use such information in accordance with this Privacy Policy.

    1. II. Method and manner of use of User information

      A. When you register with the Website, we will use the information supplied by you to pull a credit report from a credit bureaus and identity verification services to facilitate us to evaluate your loan request in the context of your complete financial situation.

      B. We will also use your information to enable activities and transactions that need to occur during the process of lending, such as:

        • i. Generating and maintaining your profiles on the Website;

        • ii. Provide personalized features;

        • iii. Aiding us to provide better services;

        • iv. Facilitating collection activities as needed;

        • v. Maintaining regular communications with you concerning transactions you initiate, such as requesting information or assistance, submitting a loan request, making payments, transferring funds, etc.

        • vi. Modifying the Website from time to time to cater to your interests;

        • vii. Providing functions and features of the Website efficiently ;

    2. III. Sharing Of Information

      A. We will protect your personal information against unauthorized use, dissemination or publication in the same manner in which we would protect our confidential information of like nature. However, under certain conditions we may share this information.

      B. We may use the personal information to improve our services to you and to keep you updated about our new products or other information that may be of interest to you. We may share information in the course of normal business operations, such as providing services you have subscribed for, and any activity related to these services such as collection of fee. It may become necessary for the Company to disclose your personal information to its agents and contractors in the course of normal business operations for the above referred purpose. However these parties would be required to use the information obtained from the Company for such purposes exclusively. The Company will endeavor to take all reasonable steps to ensure that the confidentiality of your information is maintained by imposing strict confidentiality standards on all the third parties to whom it discloses such information.

      C. We may be required to disclose your personal and financial information to the statutory authorities in connection with any legal process that may be initiated by such authorities in accordance with applicable laws.

      D. We may occasionally invite selected third parties to participate in offers we feel would be attractive to Users of the Website.

      E. We may also share your information to provide you with superior services and a range of offers. We may use this information to advise you of products, services and other marketing materials, which we think, may be of interest to you. We may also invite visitors to this Website to participate in market research and surveys and other similar activities. If one desires the Company to limit such sharing whereby one would not like to be informed of offers available one may contact us at [insert email address]. Otherwise, the Company will use your information to improve your experience on the Website and make subsequent offers to you on products which may be of interest to you.

      F. You authorize the Company to exchange, share, part with all information related to your details and transaction history to its affiliates / subsidiaries / banks / financial institutions / credit bureaus / agencies / advertisers / participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold the Company liable for use or disclosure of this information.

IV. Information security

A. If a password is used to help protect your accounts and account information, it is your responsibility to keep the password confidential. You have to ensure that you always log out, before sharing the device with a third party and it is advised that you utilize a service to protect access to your device.

B. We shall use generally accepted industry standards to protect your information submitted to us, both during transmission and upon receipt. However, please be advised that, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, even though we strive to use commercially acceptable means to protect your Information, we cannot guarantee its absolute security.

V. Procedure for Removing User Name from the Records

A. If and when you are desirous of having your name and other details removed from the records of the Website, immediately upon receiving your written request to that effect the Company shall remove and/or delete all such information. However, please note that such removal may affect the products/services which we may be able to provide to you.

B. If you no longer wish to receive notifications about the Website’s services, you may change your notification preferences by contacting the Company at [insert email address]. The Company reserves the right to close your account if you opt out of receiving certain crucial notices that are required to perform the services through its Website. You may not opt-out of receiving notifications about due or past due amounts that you owe to the Company or any other collections efforts.

VI. Procedure for Correcting Inaccuracies In The Information

You may correct or update any information online. In the event of loss of access details, you may retrieve the same or receive new access details by sending an e-mail to: [insert email address]

VII. Non-Binding

Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

VIII. Exclusions from Privacy Policy

Other websites that you may access via the Website may have different privacy policies and access to such websites will not be subject to this Privacy Policy. We recommend that you read the privacy statement of each such website to find out how they protect your personal information.

IX. Prohibited Actions

While using this Website, you agree not to, by any means (including hacking, cracking or defacing any portion of the Website) indulge in illegal or unauthorized activities including the following:

      • A. Restrict or inhibit any authorized user from using this Website

      • B. Use the Website for unlawful purposes

      • C. Harvest or collect information about Website users without their express consent

      • D. “Frame” or “mirror” any part of the Website without our prior authorization

      • E. Engage in spamming or flooding

      • F. Transmit any software or other materials that contain any virus, time bomb, or other harmful or disruptive component

      • G. Remove any copyright, trademark or other proprietary rights notices contained in the Website

      • H. Use any device, application or process to retrieve, index, “data mine” or in any way reproduce or circumvent the navigational structure or presentation of the Website

      • I. Permit or help anyone without access to the Website to use the Website through your username and password or otherwise.