Bad Credit Loans

Privacy Policy

THIS PRIVACY POLICY(“Policy”) has been drafted in accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011.

UPON ACCEPTANCE, THIS POLICY CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU, AS THE USER OF THE PLATFORM, AND BAD CREDIT LOANS, AS THE OWNER OF THE PLATFORM.

THIS POLICY DESCRIBES OUR POLICIES AND PROCEDURES FOR COLLECTION, USE, STORAGE, PROCESSING, DISCLOSURE AND PROTECTION OF ANY INFORMATION, INCLUDING, BUT NOT LIMITED TO, BUSINESS OR PERSONAL INFORMATION PROVIDED BY YOU AS A USER (“YOU/R”) WHILE USING THE PLATFORM. USER SHALL MEAN ANY PERSON/ PERSONS, WHO VISITS, USES, DEALS WITH AND/ OR TRANSACTS THROUGH THE APP.  

BY VISING/ ACCESSING THE PLATFORM, THROUGH THE  APP AND VOLUNTARILY PROVIDING US WITH INFORMATION (PERSONAL AND / OR NON- PERSONAL), YOU ARE CONSENTING TO OUR USE OF IT IN ACCORDANCE WITH THIS POLICY. THIS POLICY DOES NOT APPLY TO THIRD-PARTY WEBSITES/ APPLICATIONS THAT ARE CONNECTED VIA LINKS TO THE PLATFORM. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE / ACCESS THIS PLATFORM. 

THIS POLICY IS A PART OF THE PLATFORM TERMS & CONDITIONS LOCATED AT ALL CAPITALIZED TERMS UNDER THIS POLICY THAT HAVE NOT BEEN SPECIFICALLY DEFINED HEREIN SHALL HAVE THE MEANING AS ASCRIBED TO IT UNDER THE PLATFORM TERMS & CONDITIONS.

WE MAY UPDATE THIS POLICY FROM TIME TO TIME. WHILE WE WILL ALWAYS EN-DEVOUR TO NOTIFY YOU, YOU MUST PERIODICALLY REVIEW THE POLICY FOR THE LATEST INFORMATION ON OUR PRIVACY PRACTICES. 

1.             COLLECTION OF INFORMATION

During Your use of the Platform, We will collect such information from You including but not limited to: 

a.             Your name, address, date of birth, gender, contact information（including but not limited to your phone number information,email address）, educational qualification, billing information, marital status, PAN number, name of the bank where You have a primary account, bank statements, pay slips, information relating to income and expenses obtained through bank SMS scraping and through integration with our service provider, etc.;

b.             Your Aadhar Virtual ID Number or the Aadhar Number on behalf of the financial lending partners;

c.             Details regarding Your employment, including, years of experience, details of income, name of the current employer, details of the office address, details regarding the years/months completed with the current employer; 

d.             Credit related information that is collected from other sources like the credit bureau; 

e.             Information about Your transaction history like spend data, through our mobile application; 

f.              Your unique identifiers such as username and password, preferences information and transaction history; 

g.             Information collected through Facebook, Twitter, LinkedIn or other social media accounts of the Users which have been linked to the account on the App. We may receive Your Personal Information from such social media websites/ applications, in accordance with the privacy policy of such sites/applications. Such information received from the other websites/platforms/applications at the time of accessing the App may include, and not be limited to, the user name, profile picture, e-mail address associated with that particular website/ application, any information that has been made public in connection with that website/ application belonging to You and/ or any information or content the social media website/ application has the right to share with Us. By accessing or connecting to the App / Platform through a social media website/ application, You authorize Us to collect, store, use and retain such information and content in accordance with this Policy. 

h.             Information that You provide when You write directly to Us (including by e-mail) or provide Us over telephone or while filling out any applications on the Platform; 

i.              Any other information that Loan Agent is required to collect as per specific mandate from any financial lending partners or as a requirement under applicable law; 

j.              Information from You electronically - like the pages viewed, how You navigate through the Website / Platform and interact with web pages, etc. 

The information We collect about You will depend on the products and services We offer or You avail, on an ongoing basis. The information collected from You will be used in order to effectively provide Services to You. If You do not allow Us to collect all the information We request on the Platform, We may not be able to deliver all of these services effectively. 

2.             USE OF INFORMATION 

We may use the information provided by You in the following ways: 

a.             to establish identity and verify the same; 

b.             monitor, improve and administer our Platform; 

c.             design and offer customized products and services offered by our third-party financial partners; 

d.             analyze how the Platform is used, diagnose service or technical problems and maintain security; 

e.             send communications notifications, information regarding the products or services requested by You or process queries and applications that You have made on the Platform;

f.              manage Our relationship with You and inform You about other products or services We think You might find of some use; 

g.             conduct data analysis in order to improve the Services provided to the User; 

h.             use the User information in order to comply with country laws and regulations; 

i.              to conduct KYC for our third-party lending partners based on the information shared by the User for the provision of Services;

j.              use the User information in other ways permitted by law to enable You to take financial services from our lending partners. 

We will use and retain Your information for such periods as necessary to provide You the Services on our Platform, to comply with Our legal obligations, to resolve disputes, and enforce Our agreements.

3.             COOKIES

Cookies are small data files that a Website / App stores on Your computer. We will use cookies on our App similar to other lending websites / apps and online marketplace websites / apps. Use of this information helps Us identify You in order to make our Platform more user friendly. We might also use this information to display advertising from third party companies. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our APP. 

We might also use other technology to track how You interact with Platform and employ some third party agencies to use the data on Our behalf. 

4.             STORAGE OF INFORMATION 

We store and process Your personal information on Ali cloud servers and other cloud service providers within India. Some of the safeguards We use are firewalls and 2048 bit data encryption using SSL, and information access authorization controls. We use reasonable safeguards to preserve the integrity and security of Your information against loss, theft, unauthorized access, disclosure, reproduction, use or amendment. To achieve the same, We use reasonable security practices and procedures as mandated under applicable laws for the protection of Your information. Information You provide to Us may be stored on Our secure servers located within or outside India. 

However, You understand and accept that there’s no guarantee that data transmission over the Internet will be completely secure and that any information that You transmit to Us is at Your own risk. We assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access to our Platform and data bases or other acts of third parties, or acts or omissions beyond Our reasonable control and You shall not be entitled to hold Loan Agent responsible for any breach of security. 

5.             DISCLOSURE OF INFORMATION 

We may share Your information with third parties under a confidentiality agreement for provision of Services which inter alias restricts such third parties from further disclosing the information unless such disclosure is for the purpose as detailed under that confidentiality agreement.

We will share Your information with third parties only in such manner as described below:

a.             We may disclose Your information to the financial service providers, banks or NBFCs and Our third-party partners for providing the Services as detailed under the Terms & Conditions;

b.             We may share Your information with our third-party partners in order to conduct data analysis in order to serve You better and provide Services on our Platform;

c.             We may disclose Your information, without prior notice, if We are under a duty to do so in order to comply with any legal obligation or an order from the government and/or a statutory authority, or in order to enforce or apply Our terms of use or assign such information in the course of corporate divestitures, mergers, or to protect the rights, property, or safety of Us, Our users, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. 

6.             THIRD PARTY WEBSITES

With this Policy We’re only addressing the disclosure and use of data collected by Us. If You visit any websites through the links on the Loan Agent Platform, please ensure You go through the privacy policies of each of those websites. Their data collection practices and their policies might be different from this Policy and Loan Agent does not have control over any of their policies neither does it have any liability in this regard. 

We might post Your data, excluding personally identifiable information, on various pages of Our Platform that will be visible to people other than registered Users. If You wish to not have Your information shared please let us know at bharatchanchad1979@gmail.com.

7.             PHISHING

"Phishing" usually occurs when users of a website are induced by an individual/entity into divulging sensitive personal data by using fraudulent websites and/ or e-mail addresses. In the event You provide information to a website or respond to an e-mail which does not belong to Us or is not connected with Us in any manner, You will be a victim to Phishing. We do not send e-mails requesting a user for payment information, user name or passwords. However, We may verify the user name, password etc. provided by You from time to time. 

8.             SEVER-ABILITY AND EXCLUSION

We have taken every effort to ensure that this Policy adheres with the applicable laws. The invalidity or unenforceable of any part of this Policy shall not prejudice or affect the validity or enforceable of the remainder of this Policy. This Policy does not apply to any information other than the information collected by Loan Agent through the Platform. This Policy shall be inapplicable to any unsolicited information You provide Us through the Platform or through any other means. This includes, but is not limited to, information posted in any public areas of the App. All unsolicited information shall be deemed to be non-confidential and We shall be free to use and/ or disclose such unsolicited information without any limitations. 

9.             GOVERNING LAW AND DISPUTE RESOLUTION

This Policy shall be governed by and construed in accordance with the laws of the Republic of India. The courts at Guru gram, Karnataka, India shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Policy. 

10.          NO WAIVER

The rights and remedies of available under this Policy may be exercised as often as necessary and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy does not constitute a waiver of that right or remedy, or any other right or remedy.


The following privacy policy explains how we use and protect the information about our customers

Facts: What Do We Do with Your Personal Information?

Why?

Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include, but is not limited to:

1. Information you enter on our website, such as:
1. Social Security number
2. Credit history
3. Employment and income information
4. Banking account information
5. Contact information
2. Transaction history and income
3. Credit history and account balances
4. Log files such as:
1. internet protocol (IP) addresses
2. browser type
3. Internet Service Provider (ISP)
4. date/time stamp
5. referring/exit pages
6. number of clicks

How?

Companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons companies can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information

Do We Share?

Can You Limit This Sharing?

For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes - to offer our products and services to you

Yes

No

For joint marketing with other companies

Yes

No

For our affiliates’ everyday business purposes - information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes - information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For non affiliates to market to you

Yes

Yes

To limit our sharing

When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing

Questions?

For questions please contact us at:

Bad Credit Loans
bharatchanchad1979@gmail.com

What We Do

How do we protect your personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How do we collect your personal information?

We collect your personal information, for example, when you:

• Create an account
• Request a loan
• Subscribe to our newsletter
• Provide information on our form
• Navigate to our website

We may also obtain information about you from third parties, including credit reports, information about your home, and demographic information.

Why can’t you limit all sharing?

Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes—information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies with whom we have a formal business relationship

Non Affiliates

Companies not related by common ownership and control, and with which we do not have a formal business relationship

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you

Other Important Information

For California Residents

We will not share your personal information with non affiliates for their marketing purposes without your authorization. We will not share your personal information with other companies for joint marketing purposes if you instruct us not to by contacting us using the contact information below.

We do not track our customers over time and across third party websites, and therefore do not respond to Do Not Track (DNT) signals. However, we may use third-party services (e.g., Google Analytics) or have third-party advertising partners (e.g., Google, noted above) who may keep track of your browsing activities. You should review the specific privacy policies of these third parties at the following addresses to learn how they respond to DNT signals:

1. Google: https://www.google.com/intl/en/policies/privacy/
2. Amazon: http://www.amazon.com/gp/help/customer/display.html?nodeId=468496
3. Microsoft: https://www.microsoft.com/en-us/privacystatement/default.aspx

For Vermont Residents

We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

For North Dakota Residents

We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

Cookies

A cookie is a file which contains data that is stored on a visitor’s hard drive. This data includes information about the visitor. A visitor has the option to reject a cookie and they still will be able to access our Website, however, the user may not have access to certain sections of our Website if cookies are disabled. The purpose of using cookies is to allow us to track the intent of our visitors and enhance visitor experience while using our Website. All cookies, including session cookies and persistent cookies, served on the Website are tied to PII that you provide. Our affiliates and partners may use cookies on our Website, however, we cannot control or access cookies set by third parties.

Additional Sharing

We cannot guarantee that all of your PII will not be disclosed in ways not covered in this Privacy Policy. There may be circumstances in which the disclosure of your information happens as result of unlawful interception or transmission to a third party. Also, a legal situation may occur in which the disclosure of your PII or other information is required. Additionally, as we develop and grow, we may choose to buy additional businesses or assets, including customer information. In the event that we or one or more of our assets are acquiring, customer information may be one of the assets sold.

Minors

We do not knowingly collect information form children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with PII through any point of contact, please contact us using the contact information provided in the “Questions” section below.

Unsubscribe

You can remove your information from our contact list at any time with no questions asked. To remove your information from our database to no longer receive future communications from us, please contact us using the contact information provided below.

Updates

We may update this Privacy Policy with any changes to our information practices. We reserve the right to change this Privacy Policy at any time. If we make any material changes to our information practices, we will revise this Privacy Policy. We recommend that you read and review this Privacy Policy each and every time you access our website and/or use any service referred to you by us. Your use of the website constitutes your agreement to the terms of the effective Privacy Policy.

11.          CONTACT US

If You require any information or clarification regarding the use of Your personal information or this Privacy Policy, You can contact us at bharatchanchad1979@gmail.com.

If You have grievance with respect to use of Your personal information, please write to Mr./Ms Bharat at bharatchanchad1979@gmail.com.

We are based in India. By browsing/using the Platform, You hereby acknowledge that we are not responsible or liable in any manner to comply with any local laws of  Your territory except India.

Lazy Loan

Our Privacy Policy

Lazy Loan  (“we” or “us” or “our” or the “Company”) respects the privacy of its members (“you” or “your”) and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. This Privacy Policy describes the information we collect, how that information may be used, with whom it may be shared, and your choices about such uses and disclosures. You must read this Privacy Policy carefully when using the Lazy Loan platform or transacting with us. By using the Website or availing the services provided by us (“Service”), you are accepting the practices described in this Privacy Policy.
If you see an undefined term in this Privacy Policy, it has the same definition as outlined in the Terms and Conditions.

1. INFORMATION WE COLLECT

1.1 In General. We may collect Personal Information, including Sensitive Data, and other information. “Personal Information” means individually identifiable information that would allow us to determine the actual identity of, and contact, a specific living person. “Sensitive Data” includes name, address, mailing address, telephone number, email ID, credit / debit card number, cardholder name, card expiration date, information about your mobile phone and any details that may have been voluntarily provide by you in connection with availing the Services. By providing Sensitive Data to us, you consent to the collection, use and disclosure of Sensitive Data, as permitted by applicable privacy laws. By using the Service, you are authorizing us to gather, parse and retain data related to the provision of the Services.

1.2 The Company is the sole owner of the information collected through the Website. We may collect and process Personal Information from you, including but not limited to the following:

1.2.1 Information provided by you at the time registration such as your email ID, phone number, bank account details, contact information, financial information, unique identifiers and preferences information including favorites and history. Providing additional information beyond what is required at the time of registration can be altered by you at any time;
1.2.2 Information that you provide us with directly via email and / or electronic communication;
1.2.3 Information that you provide to us over telephone. We may make and keep a record of such information shared by you;
1.2.4 Information that you provide us in physical form whether sent through post and / or courier and / or handed over to our representatives in person; and
1.2.5 Information from other sources.

1.3 Every computer/mobile device connected to the internet is given a domain name and a set of numbers that serve as that computer’s Internet Protocol or “IP” address. When you request a page from any page within the Website, our web servers automatically recognize your domain name and IP address. The domain name and IP address reveal nothing personal about you other than the IP address from which you have accessed the Website.

1.4 You may, in your sole and absolute discretion, choose either: (i) not to provide the information requisitioned by the Company from you in connection with its Services from time to time or (ii) cancel your communication that you have elected to receive from the Company in relation to the information you have already shared with the Company.

1.5 Access to your registered email account. You may opt to connect your email account to Lazy Loan platform and you may explicitly provide your consent to Lazy Loan to securely access your emails solely in connection with availing the Services. Subject to your consent, Lazy Loan may access your emails to access/extract the statements received from your bank(s) for the purpose of processing your application in accordance with the Terms and Conditions of Use. In the event you enable us to access your registered email, we shall view and analyse and extract information/contents of the emails which are sent from your bank(s) communicating the statement of your account which you may periodically receive from your bank(s). This information is collected to automatically assist you with your loan application and held under strict confidence in accordance with the applicable law. Under no circumstances shall we access any personal messages/emails and our automated process shall adhere to accessing emails which you had consented and more particularly restrict ourselves to viewing the emails communicating the bank statements. We shall at all times ensure that the specific consent is not misused and the algorithm is programmed to avoid any human intervention which may act beyond the consent explicitly vested with us.

Your consent would be sought in each case if you would wish to connect your email with the Lazy Loan account for accessing your bank statements. You are free to revoke the consent to access your email at any time while you avail the Lazy Loan Services. In the event you wish to revoke the consent or opt out from processing your application through us.

2. HOW WE USE INFORMATION WE COLLECT
Our primary goal in collecting the information is to provide you a platform to render our Services. We may use the personal information provided by you in the following ways:

a. To help provide you the Services;
b. To observe, improve and administer the quality of Services;
c. To analyze how the platform is used and diagnose technical problems;
d. Remember the basic information provided by you for effective access;
e. To confirm your identity in order to determine your eligibility to use the platform and avail the Services
f. To notify you about any changes to the Website;
g. To enable us to comply with our legal and regulatory obligations;
h. For the purpose of sending administrative notices, Service-related alerts and other similar communication with a view to optimizing the efficiency of the Website;
i. Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity; and
j. To enforce our Terms of Use.

3. SALE OF ASSETS, MERGER, ACQUISITION, BANKRUPTCY
Information collected from you may be transferred to a third party(ies) as a result of a sale or acquisition, merger or bankruptcy involving the Company.

4. COOKIES
Cookies are small portions of information saved by your browser onto your computer / mobile. Cookies are used to record various aspects of your visit and assist us to provide you with uninterrupted service. We do not use cookies to save personal information for unauthorized uses.

5. SHARING OF INFORMATION

5.1 Sharing. Other than as mentioned elsewhere in this Privacy Policy, we may share aggregated demographic information with our partners or affiliates. This is not linked to any personal information that can identify an individual person. We will not be liable for transfer of any personal identification information resulting from loss or distribution of data, the delineation or corruption of media storage, power failures, natural phenomena, riots, act(s) of vandalism, sabotage, terrorism or any other event beyond our control. Further, our Privacy Policy does not cover the use of cookies by its partners and affiliates since we do not have access or control over such cookies.
5.2 Consulting. We may partner with other parties to provide specific portions of the Services, if required. When you sign-up for the Services, we will share names, or other Personal Information that is necessary for the third party to provide these Services. Our contractual arrangements with such third parties restrict these parties from using personally identifiable information except for the explicit purpose of assisting in the provision of these Services.
5.3 Promotional Offers. We may send you offers, which may be on behalf of other businesses. When we do this, we do not give that business your name, address and details in relation to the Services availed. If you do not want to receive such offers, you may request us to adjust your preferences.

6. CHANGE OF INFORMATION
If your Personal Information or Sensitive Data changes, , you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us through email address mentioned on our Website. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable.

7. NON-DISCLOSURE OF INFORMATION
We pledge that we will not sell or rent your personal details to anyone and your personal information will be protected and maintained strictly confidential by us, except in the following cases:

a. We may disclose your personal information in the event it is required to do so by law, rule, regulation, law, enforcement, governmental official, legal or regulatory authorities and / or to such other statutory bodies who have appropriate authorisation to access the same for any specific legal purposes;
b. We may disclose your information in order to provide you the Services, enforce or apply the Terms of Use, or to protect the rights, property or safety of the Company, its users or others. This includes exchanging information with other companies / agencies that work for fraud prevention;
c. We may disclose your information to such third parties to whom we transfer our rights and duties under any agreement entered into with such third parties; and
d. We may disclose your information to any of our affiliates or related entities.

8. SECURITY OF INFORMATION

8.1 We take the security of your information very seriously. To this end, we use several security techniques including secure servers, firewalls and encryptions, as well as physical safeguard of the locations where the data are stored. We have in place appropriate administrative, technical, physical safeguards and security measures to protect the personal data you provide to us against accidental, unauthorized or unlawful loss, destruction, damage, alteration, access, disclosure or use and any other unlawful forms of processing. When we collect data, we collect your personal details on a secure server. We use firewalls on our servers. When we collect payment card details electronically, we use encryption by using Secure Socket Layer (SSL) coding. Whilst we are unable to guarantee 100% security, this makes it hard for a hacker to decrypt your details. You are strongly recommended not to send full credit or debit card details in unencrypted electronic communications with us. We maintain physical, electronic and procedural safeguards in connection with the collection, storage and disclosure of your information. Our security procedures mean that we may occasionally request proof of identity before we disclose personal information to you. You are responsible for protecting against unauthorized access to your password and to your computer.
8.2 The information that is collected from you may be transferred to, stored and processed at any destination within and / or outside India. By submitting information to us, you agree to this transfer, storing and / or processing. We will take such steps as we consider reasonably necessary to ensure that your information is treated securely and in accordance with this Privacy Policy.
8.3 In using the Services, you accept the inherent security implications of data transmission over the internet. Therefore, the use of the Website will be at your own risk and we assume no liability for any disclosure of information due to errors in transmission, unauthorized third party access or other acts of third parties, or acts or omissions beyond its reasonable control and you agree not to hold us responsible for any breach of security.
8.4 In the event we become aware of any breach of the security of your information, we will promptly notify you and take appropriate action to the best of its ability to remedy such a breach.

9. EXCLUSION

9.1 This Privacy Policy does not apply to any information other than information collected by us through the Website including such information collected in accordance with the clause on “Collection of Information” above. This Privacy Policy will not apply to any unsolicited information provided by you through this Website or through any other means. This includes, but is not limited to, information posted on any public areas of the Website. All such unsolicited information shall be deemed to be non-confidential and we will be free to use, disclose such unsolicited information without limitation.
9.2 We also protect your personal information off-line other than as specifically mentioned in this Privacy Policy. Access to your personal information is limited to employees, agents or partners and third parties, who we reasonably believe will need that information to enable us to provide Services to you. However, we are not responsible for the confidentiality, security or distribution of your own personal information by our partners and third parties outside the scope of our agreement with such partners and third parties.

10. DATA RETENTION
We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements or for other business purposes. Subject to Clause 6 above (Non-Disclosure of Information), we will continue to retain information provided by you until you specifically request us to destroy such information. Upon verification of such request, we may, subject to our obligations pursuant to law, destroy all information provided by you from our servers.

11. OPT OUT PROCEDURES
Upon initial communication from us, you may opt-out of receiving further communications from us. To be completely removed from our mailing list, you may contact us at bharatchanchad1979@gmail.com If you are using an e-mail forwarding service or other similar service please make sure to include the correct e-mail address or addresses.

12. OTHER LINKS AND WIDGETS

12.1 The Website may contain links to other sites. The linked sites are not necessarily under our control. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage you to read the privacy policies of each and every website that collects personally identifiable information. If you decide to access any of the third-party sites linked to the Website, you do this entirely at your own risk. Any links to any of our partners should be the responsibility of the linking party, and we will not be responsible for notification of any change in name or location of any information on the Website.
12.2 The Website includes social media features, such as widgets or interactive mini-programs that run on the Website. These features may collect your IP address, the page which you are visiting on the Website, and may set a Cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on the Website. Your interactions with these features are governed by the privacy policy of the entity providing it and not the Company.

13. NOTIFICATION OF CHANGES

13.1 We may update this Privacy Policy at any time, with or without advance notice. In the event there are significant changes in the way we treat your personally identifiable information, or in the Privacy Policy document itself, we will display a notice on the Website or send you an email informing you of such changes, so that you may review the changed terms prior to continuing to use the Website and our Services.
13.2 Using the Company’s Services or accessing the Website after a notice of changes has been sent to you or published on the Website will constitute your consent to the changed terms.

14. ADDRESS FOR PRIVACY RELATED QUESTIONS

14.1 We respect and are sensitive to the rights as granted in the data protection laws. Should you have questions about the Privacy Policy or our information collection, use and disclosure practices, you may contact the Grievance Officer as per the details given hereinbelow. We will use reasonable efforts to respond promptly to requests, questions or concerns you may have regarding the use of your personal information.
14.2 In accordance with the Information Technology Act, 2000 and the rules made thereunder, the name and contact details of the Grievance Officer are provided below. You may contact the Grievance Officer to address any discrepancies and grievances you may have with respect to your information available with us. The Grievance Officer will redress your grievances expeditiously.

 Email: bharatchanchad1979@gmail.com