This Privacy Policy should be read in conjunction to the Terms of Use and Disclaimer of the Site.

This document (“Privacy Policy”) is published in compliance with the provisions of Information Technology Act, 2000 (as amended from time to time), and Applicable Laws, as amended from time to time.

IN THIS POLICY,

• "Affiliates" means, in relation to any person, any entity that directly or indirectly controls, is controlled by, or is under common control with, the person, where the term ‘control’ shall have the meaning assigned to it in the Companies Act, 2013, as amended from time to time; and

• "Applicable Laws" includes any applicable constitution, statute, law, rule, regulation, ordinance, decree, order, judgement, authorization, or any directive, guideline, requirement or government restriction having the force of law, or any determination by, or interpretation of any of the foregoing by, any judicial authority, whether in effect as of the date of the Agreement or thereafter and each as amended from time to time in India.

• “Partner” means sellers/suppliers who have listed their Services on the Site.

• “Service” means any Information, documents, assistance, or services We may provide to you through our Site;

• “Site” means any web site, mobile site, or application, owned and operated by us;

• “We,” “Us,” and “Our” means Bajaj Finserv Direct Limited (“BFDL”);

• “You” and “Your” mean anyone who visits, accesses, or uses our Site or obtains Services from us through our Site;

BFDL intends to protect the privacy of its users and members on its Site and committed to maintain the confidentiality, integrity, and security of all Information of our users provided by them to BFDL from time to time. This Privacy Policy describes how BFDL collects and handles the Information it may collect and/or receive from you via the use of this Site. Please see below for details on what type of Information we may collect from you, how this Information is used in connection with the services offered through our Site and relevant Information shared with our authorized business Partners only for the purpose of services we offer and as permissible under applicable laws. This Privacy Policy applies to current and former visitors to our Site and our customers and by visiting and/or using our Site, you agree to this Privacy Policy. We encourage you to read our privacy statement to understand what types of personally identifiable Information we collect and how we use this Information.

BY VALIDATING YOUR MOBILE NUMBER THROUGH OTP AT THE TIME OF REGISTRATION OR AVAILING THE SERVICES, YOU ARE ACCEPTING THIS PRIVACY POLICY AND FURTHER, YOU EXPLICITLY CONSENT TO BFDL’s COLLECTION, STORAGE, RETENTION, ANALYSIS, USE AND DISCLOSURE OF YOUR INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY AND APPLICABLE LAWS.

1. BFDL offers online platform for offering products and services by our Partners to you and to carry out the transaction that collects such Information to process your transaction requests. The information so collected may be shared with respective service providers/business Partners/group companies/Affiliates/subsidiaries etc. for the offering the services and the purposes as mentioned hereinabove. BFDL will endeavour 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.

2. We and our service providers/business Partners/group companies/Affiliates/subsidiaries may share/transfer/convey your Information with another business entity to carry out any business activity related to the Services offered/to be offered to you.

3. BFDL may share your information with its service providers/ Partners/group companies/Affiliates/subsidiaries, in accordance with Applicable laws, for the purposes of (i) providing the services and to perform the functions on your behalf or on behalf of BFDL; (ii) marketing new products and services by BFDL or by any of its affiliate(s), or (iii) to intimate you about any new products, services, offers and/or promotions being offered by BFDL or any of its affiliate(s) or Partners.

4. BFDL shares Information with Partners, Affiliates, group companies, in accordance with applicable laws, for providing certain Services, we make available to you on our Site. We may provide Information related to those Services on our Site or redirect you to the Site of such third parties. Your information shall be used/ processed/ stored by the third party in accordance with the services availed by you as per the terms and conditions of the respective third-party website. BFDL shall not store any information collected in this case and therefore, we are not bound to maintain confidentiality regarding the information shared or collected and further, we are not responsible for the use of such Information by the third parties. It is hereby expressly declared that third parties shall be solely responsible for use of your information by them.

5. Changes in Policy - Due to changes in legislation or enhancements to functionality and content on the Site, we may make changes to privacy policy (without being obliged to do so) and would reflect those changes in this privacy policy statement. By using this Site, you consent to the usage of the information that you provide to us in accordance with this Privacy Policy. If we alter our Privacy Policy materially, the alterations/ changes to this Policy will go into effect on posting this page. If you continue using the Site, you are consenting that your information may be used in accordance with the new Policy. If you do not agree with the changes, then you should inform us that you do not want your information used in accordance with the changes.

6. Security of Information shared by you - BFDL is strongly committed to protecting the privacy of its users and has taken all necessary and reasonable measures to protect the confidentiality, integrity and availability of the User information and its transmission through the world wide web and BFDL 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 the Users. We use SSL certificate to secure the information you share with us and its transmission. Although any information collected by us is stored in secure databases protected via a variety of controls and is treated as confidential information by us, however no data transmission is completely secure, and no system of physical or electronic security is impenetrable. By using the Site and its Services, you: (a) agree to assume all risk relating to the Information sent to us or collected by us when you access, visit and/or use the Site and its Services (including without limitation your personally identifiable Information or other Registration Information); and (b) agree that we are not responsible for any loss of such Information or any consequences that may result from any loss of such Information.

7. Handling of Security Breach - BFDL has an internal policy for incident reporting and management which is reviewed and updated from time to time which deals with framework for management of information security incidents at BFDL, including reporting of incidents, escalation procedures, and actions to contain the damage and recover systems and follow up investigative and corrective actions. We may share your 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.

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. Such request of withdrawal/revocation shall always be prospective, and any Information shared with third parties, basis the earlier consent may not be destroyed/purged in all cases.

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.

We use this Information to customize our services and measure the overall effectiveness of our online content, and products and services we offer through the Site. We use cookies for marketing purposes as well to track your online activity and to help advertisers deliver more relevant advertising or to limit how many times you see an ad. No information will be collected via cookies and other tracking technology; however, if you previously provided information, cookies may be tied to such information. Any information collected is stored in secure databases protected via a variety of access controls and is treated as confidential information by us.