1. INTRODUCTION:

Sanchay Services acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) with regard to privacy, confidentiality and security of Personal Information that resides with the Sanchay Services. Keeping Personal Information of customers secure and preventing any misuse thereof is a top priority of Sanchay Services.

Sanchay Services is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with the best industry practice to protect the confidentiality of the customer information and its transmission through website and it shall not be held liable for disclosure of the confidential information when in accordance with this privacy Commitment or in terms of the ‘Terms of Use’ of Website or agreement, if any, with the customers.

This Privacy & Security Policy (hereinafter referred to as “Policy”) explains how we protect Personal Information provided to our websites such as www.sanchayservices.com (hereinafter referred to as “Website”) and how we use that information in connection with our service offered through the Website (hereinafter called as "Service").

2. PERSONAL INFORMATION:

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 Sanchay Services, is capable of identifying such person.

3. APPLICABILITY:

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, Aadhaar based e-Signature and 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 Sanchay Services 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. Sanchay Services 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.

4. EXPRESS CONSENT:

• You while providing the details/documents over the Website, including but not limited to Personal Information as mentioned hereinabove, expressly consent to Sanchay Services (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the Website, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by its partners on the Sites.
• The usage of the Website may also require you to provide consent for keying in/ uploading your Personal Information and Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through the Website. Sensitive information keyed in/ uploaded shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you.
• o You hereby authorize and expressly consent us to share your demographic and Personal Information with third parties including but not limited to Credit Information Companies to do an aggregate check of your credit profile and for Sanchay Services to send you targeted communications and offers by agreeing to the Terms of Use while accessing the Website. You hereby also consent Sanchay Services to procure credit information and indicative scores from the credit information companies on your behalf.
• If you are no longer interested in sharing your Personal and Sensitive Information, please e-mail your request at: privacy@sanchayservices.com. Please note that it may take about 72 business hours to process your request. In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC / DND check required for the number you have left on our Website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls.
• Sanchay Services reserves the right to share or disclose your Personal Information/ Sensitive Information when Sanchay Services determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

5. PURPOSE AND USAGE:

Sanchay Services will not sell or rent your Personal Information to anyone, for any reason, at any time. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners, where we feel that they will be able to assist you better for the purpose of underwriting and approval of your credit card, loan and approving investment in Mutual Fund or any other financial product transaction/related transaction. Sanchay Services uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website. By registering on the Website you authorize Sanchay Services to send texts and email alerts to you and any other service requirements, including promotional mails and SMSs Further, it enables Sanchay Services to:

• To help complete a transaction initiated by you
• To perform support services through a third party service provider, provided it conforms to the Privacy Policy of the Sanchay Services and your prior consent to do so is obtained
• You have specifically authorized it
• The disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process
• The information is shared with Government agencies mandated under law
• The information is shared with any third party by an order under the law
• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies. Sanchay Services is not responsible for their privacy policies.

7. LOG FILES:

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.

8. TRACKING TECHNOLOGIES:

Sanchay Services and its partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

9. TESTIMONIALS, BLOGS AND OTHER FORUMS ON Sanchay Services WEBSITE:

With your consent Sanchay Services may post your testimonial along with your name. If you want your testimonial removed please contact Sanchay Services at support@sanchayservices.com. 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. Sanchay Services is not responsible for the Personal Information you choose to submit in these forums. sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

10. 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 privacy@ sanchayservices.com. We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Sanchay Services online accounts and systems from unauthorized access. When you register for the Service, Sanchay Services requires a password from you for your privacy and security. Sanchay Services transmits information such as your Registration Information for Website or Account Credentials securely. 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.

11. ISO 27001:

ISO/IEC 27001:2013 is the international standard for management of information security and provides a systematic approach to keep sensitive company information secure. Getting the ISO 27001:2013 certificate is a reassurance for our customers that Sanchay Services complies with the highest standards regarding information security. Sanchay Services is ISO/IEC 27001:2013 certified under certificate number IND17.0322/U. We have implemented the ISO/IEC 27001: 2013 standard for all processes supporting the development and delivery of services by Sanchay Services.