In this policy,
• “We,” “us,” and “our” means Bajaj Finserv Direct Limited (“BFDL”);
• The “Service” means any information, documents, assistance, or services we may provide to you through our Site; and
• “You” and “your” mean anyone who visits, accesses, or uses our Site or obtains Services from us through our Site.
The services rendered by BFDL are exclusively intended for individuals who are Citizens of India and residing in India. By accessing www.bajajmall.in or any pages thereof, and/or using the information provided on or via this Site, you agree to the following terms and conditions. If you do not agree with the terms and conditions stated hereunder, you shall not access, visit and/or use the Service.
You agree that if you undertake any financial transaction through the Site, BFDL will conduct due diligence and seek mandatory information required for KYC purpose; and as a user you hereby authorise BFDL to facilitate your transaction in accordance with the prevailing Laws and regulations, including Prevention of Money Laundering Act and its rules. Any payment towards the services availed shall be remitted only through the applicant’s bank account or from a joint bank account in which the applicant is a joint holder.
While using the Site to communicate with BFDL, you shall communicate with your registered mobile/telephone number and/or e-mail address. Thereby, you agree to receive communication from BFDL on your registered mobile/telephone number and/or e-mail address.
Notwithstanding whether your telephone/mobile is registered with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by you accessing this Site and applying/enquiring/verifying any of the products/services offered by BFDL and or you making a request to call back, it is deemed that you have expressly authorized BFDL to call back or send you text messages or messages through Chatbots for solicitation and procurement of various products and services of BFDL. In case if you may not wish to receive any calls/messages, you are obliged to proactively inform BFDL about the same.
While using this Site, you agree NOT to, by any means indulge in illegal or unauthorized activities including but not limited to (i) Use the Site for unlawful purposes; (ii) Collect information about the users without their express consent; (iii) Engage in spamming or flooding; (iv) Transmit any software or other materials that contain any virus or other harmful or disruptive component; (v) Remove any copyright, trademark or other proprietary rights notices contained in the Site; (vi) Copy, mirror any part of the Site without our prior permission; (vii) Permit or help anyone without access to use the Site through your username and password or otherwise; and (viii) posting any defamatory messages to either in print/electronic/social media; (ix) Impersonate any person or entity, falsely claim an affiliation with any person or entity, or access the Accounts of others without permission, forge/fabricate another persons’ digital signature, misrepresent the source, identity, or content of information transmitted via the website, perform any other similar fraudulent activity or otherwise send or receive what BFDL reasonably believes to be potentially fraudulent funds; (x) Infringe BFDL or any third party’s intellectual property rights, rights of publicity or rights of privacy; (xi) Use any robot, spider, other automatic device, or manual process to monitor or copy the website without prior written permission; (xii) Use any device, software or routine to bypass website exclusion headers, or interfere or attempt to interfere, with the website; (xiii) Remove, circumvent, disable, damage or otherwise interfere with security-related features of the website or features that enforce limitations on the use of the website; (xiv) Reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the website or any part thereof; (xv) Use the website in any manner that could damage, disable, overburden, or impair it, including but not limited to using website in an automated manner; (xvi) Intentionally interfere with or damage operation of the website or any user’s enjoyment of them, by any means, including but not limited to uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code.
You voluntarily consent to register as a member of BFDL Community to get personalized and exclusive products, offers and services from BFDL in tie up with its business partners for meeting your financial needs while you access any Products or Services on BFDL Web-Site and mobile application.
The user agrees to indemnify, defend and hold harmless BFDL, its Group Companies and their directors, officers, employees, agents, third party service providers, and any other third party providing any service to BFDL in relation to the Services and for indulging in any Prohibited conduct as mentioned above whether directly or indirectly, from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by BFDL that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any terms of this Terms of the Usage including any representation, warranty, covenant or agreement made or obligation to be performed by the User pursuant to these terms of usage.
The content (material, information, data, news, etc.) contained on this Site is provided for general information only and should not be used as a basis for making business/commercial decisions. BFDL does not provide any advisory services. You are requested to exercise caution and/or seek independent professional advice before entering any investment or financial obligation based on the Content contained on this Site.
Images used on this Site and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.
The content on this Site should NOT be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other instrument or financial products / schemes of BFDL, its Group Companies, Corporate Partners, Subsidiaries or any of its affiliates.
Products and Services are available only at the discretion of BFDL, subject to the individual contractual terms and conditions of the respective Company’s products and services basis which such products & services are offered and such products and services may be withdrawn or amended at any time without notice. In the event of any conflict between the terms and conditions of specific products and services displayed on the website vis-à-vis the terms and conditions laid down by the respective Group/Principal Company (‘Product owner’), the terms and conditions laid down by the Product owner shall prevail.
No information sent to any user through this Site or available on this Site shall constitute any representation or warranty by BFDL, or its Group Companies, Subsidiaries or Affiliates regarding the credit-worthiness, financial performance or prospects, solvency, or viability of any company or other legal entity or the business carried on by such entity.
This Site may contain statements of various professionals/ experts/ analysts, etc. BFDL does not represent/ endorse the accuracy, reliability of any of statements/ information by any such person. It is the responsibility of the user of this Site to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any statements, services or other information provided on this Site. All information in this Site is being provided under the condition and understanding that the same is not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. BFDL may at any time (without being obliged to do so) update, edit, alter and or remove any information in whole or in part that may be available on this Site and shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability. Nothing contained herein is to be construed as any advice or recommendation to use any product or process. Though BFDL will endeavour that information contained on this Site is obtained from sources which are reliable, however BFDL does not warrant such information’s completeness or accuracy
Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. BFDL is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions the user may initiate.
BFDL does not represent or warrant that the Site will be uninterruptedly available. Please note that the Site may not meet the user’s requirements, that access may be interrupted, that there may be delays, failures, errors or omissions or loss of transmitted information, that viruses or other contaminating or destructive properties may be transmitted or that damage may occur to your computer system. You have sole responsibility for ensuring adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. BFDL makes no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used relating to the Site.
BFDL, its Group Companies, Corporate Partners, subsidiary companies, its affiliates, and their directors and employees accept no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, dam age or expenses) from your use of this Site or any linked site howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this Site, its contents or associated services, or due to any unavailability of the Site or any part thereof or any contents or associated services.
BFDL reserves the right to change the information provided on or via this Site, including the terms of this disclaimer, at any time and without notice. However, BFDL shall not undertake to update the content contained on this Site from time to time. You are obliged to exercise your independent diligence on the information provided on or via this Site before arriving at any decision and you will be solely responsible for your actions. BFDL shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability on account of such change in the information on this Site.
Nothing contained in our website should be construed as granting any license or right to use any Trademarks displayed on our website. BFDL, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Site (including all texts, graphics and logos). Users are prohibited from using, modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for any purpose without written permission of BFDL of such or such other parties. The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the prior written consent of BFDL.
This Site may contain links to other websites of Group Companies, Corporate Partners, Subsidiary companies and Affiliate companies of BFDL. This Site may also contain links to external websites, having further linked websites, controlled or offered by third parties (Non-Affiliates of BFDL), to help you find relevant websites, services and/or products which may be of interest to you, quickly and easily. The contents displayed or products / services offered on such linked websites or any quality of the products/ services are not endorsed, verified or monitored by BFDL. BFDL is also not responsible for the owners or operators of such external websites or for any products or services they supply or for the contents of their websites and do not give or enter into any conditions, warranties, express or implied; or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external website to which this website includes a link infringes the intellectual property rights of any third party).
This Site and disclaimer shall be governed by and construed in accordance with all applicable laws of India. All disputes arising out of or relating to this disclaimer or use of this website shall be submitted to the exclusive jurisdiction of the courts of Pune.
By accessing this Web Site and any of its webpages, it is deemed that you are agreeing to the terms set out above.
Bajaj Finserv Direct Limited (“BFDL”) is a digital platform facilitator of its website/platform (“Bajaj Mall”) displaying the products of various dealers/manufacturers/merchants (“Sellers”) on Bajaj Mall, that may be purchased by a customer (“You”) by availing the credit facility (“Loan”) provided by Bajaj Finance Limited(“BFL”).
The said products are manufactured, sold and/or delivered by the Seller and the Seller shall be solely responsible for the quality/quantity/merchantability/delivery/installation/replacement/exchange in relation to the product and related services. BFDL shall not be responsible for any Loan servicing and related transactions provided by BFL for the purchase of such products on Loan. BFDL and BFL shall not be liable in any manner whatsoever for any issues in relation to the product and related services provided by the Seller.
Last Updated in August 2023
IN THIS POLICY,
BFDL may, for the purpose of rendering its services, collect personal Information and financial Information such as:
Information exchanged between you and BFDL in the form of written communication, responses to emails, feedback required from you, participation in discussions, etc. is handled with confidentiality.
While using this Site or availing the products and services, BFDL and its service providers/business partners/group companies/affiliates/subsidiaries etc may become privy to the personal information of its users for the purpose of enabling usage of this site, including information that is of a confidential & sensitive nature.
We collect/obtain your Information for the purposes mentioned herein below:
We provide a unique user code to every user, where we keep all collected Information related to the User and further, we use that Information on the basis of the purpose required.
We may share you information with the Government agencies & authorities in accordance with the Applicable laws, rules, regulations, or orders and we are not obliged to notify you for the same.
We retain your information for as long as the purpose of its usage exists, after which the same is archived or purged or deleted by us except in case where the retention is required as per Applicable laws. Further, we inform you that we retain information even after you withdraw your consent partially or wholly, for longer period of time, when necessary or required to be retained by Us, under various Applicable laws.
In general terms, this will mean that your personal information will be kept for the duration of our relationship with you and:
as long as it is necessary for you to be able to bring a claim against us and for us to be able to defend ourselves against any legal claims. This will generally be the length of the relationship plus the length of any applicable statutory limitation period under local laws.
By agreeing to avail the service offered by BFDL, you have agreed to the collection and use of your information by BFDL. You always have the right to refuse or partially withdraw or completely withdraw your consent to share of your information by raising a service request through Bajaj Finserv App/ Customer Portal. However, in case you choose to opt for any such revocation/restriction, we may not be able to offer/serve you with various products/services that need us to have your consent for using/storing/sharing your Personal Information in accordance with this Policy and in such case, we may have to withdraw/stop any such products/services being availed by you.
Like most Sites, we use small bits of data called ‘cookies’ stored on user’s computers to stimulate a continuous connection. Cookies allow us storage of information about your preferences and certain session information that allow you to move to different pages of our secure Site without having to re-enter your Information. A cookie includes a unique identifier that is sent by a web server to the browser on your computer, mobile phone or any other internet enabled device when you visit an on-line Site. Cookies and similar technologies are widely used to make Sites work efficiently and to collect Information about your online preferences.
Further, you are hereby informed that the following Information are sought/ have been obtained by us from you:
The purpose of collecting the aforesaid listed Information is solely to cater smooth services to you and such Information shall not be used for any other purpose whatsoever. We may disclose the categories of Personal Information identified above for our operational purposes where the use is reasonably necessary and proportionate to achieve the operational purpose for which it was collected or processed, or for another compatible operational purpose.
Your Information will primarily be stored in electronic form however certain data can also be stored in physical form. We may enter into agreements with any third parties to store or process your information or data within the geographic boundaries of Republic of India. These third parties may have their own security standards to safeguard your information or data and we may on commercial reasonable basis require from such third parties to adopt reasonable security standards to safeguard your information / data and which will be at par with the security standards applied by Us.
Details of Grievance Redressal Officer is mentioned herein below:
Name: Rajeev Chauhan
Designation: National Manager - Credit and Operations Service
Contact No.: 020-71877021 (Monday to Friday - 10 AM to 6 PM)
Email Id: email@example.com
disclosure of sensitive personal information is provided for.
1. You can also refer to the FAQ section for quick resolutions.
2. You can raise the queries on Customer service desk on the Bajaj Mall through “My Orders” section in the below sequence:
My Orders >> Eligible Order >> Raise a Query >>Reason>Submit
3. Once you raise a query, the Customer Service team shall acknowledge your query and respond to you on a tentative timeline for resolution.
4. If you have any query/complaint in relation to BFL EMI Network Card, You are requested to take up such queries to Bajaj Finance Limited directly.
5. If Your query is not resolved within 21 days, You can escalate the matter by writing to the Grievance Officer (Rajeev Chauhan) at firstname.lastname@example.org