PLEASE READ THE TERMS AND CONDITIONS OF THIS POLICY CAREFULLY, BEFORE ACCESSING OR USING THIS WEBSITE OR THE APPLICATION (APP) WHENEVER INSTALLED OR USED BY YOU. BY ACCESSING OR USING THE Bazaari Global Finance Ltd. (Bazaari Finance) WEBSITE OR THE APP INCLUDING ITS PRODUCTS AND SERVICES, YOU AGREE TO THE TERMS OF THIS POLICY. IF YOU ARE ACCEPTING THIS POLICY ON BEHALF OF ANOTHER PERSON OR COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT AND WARRANT THAT YOU HAVE FULL AUTHORITY TO BIND SUCH PERSON, COMPANY, OR LEGAL ENTITY TO THESE TERMS.
Bazaari Global Finance Ltd., a company incorporated under the applicable provisions of the Companies, 2013, having its registered office at # 409, Eco Star, Vishveshwar Nagar Rd, Churi Wadi, Goregaon East, Mumbai 400063(“Bazaari Finance”) and during the normal course of business Bazaari Finance may collect, store use, disclose, transmit, transfer information, including but not limited to personal and business information of the viewers, users and customers (“Users” or “You” or “Your”), on the website www.bazaarifinance.com and/or android app hosted on Google Play Store, owned and maintained by Bazaari Finance. For brevity sake, the information provided by Users or You shall be referred to as Your / User Information.
Further, the Policy also explains Your choices for how Bazaari Finance Handles Viewers / Users Information. For convenience, the Sites and Bazaari Finance services are collectively referred to as the “Service” This Policy applies only to the personal information of users of the Site or Service and shall not apply to any third-party Services, which are governed by their own privacy policies
1) TYPE OF INFORMATION COLLECTED BY BAZAARI GLOBAL FINANCE LTD.
a) Personal Information.
The Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 defines “Personal Information” as any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person. Therefore, for the purpose of this Policy, the term “Personal Information” shall include, without limitation, any and all information that you disclose to Bazaari Finance and which can be used to uniquely identify or contact you or reasonably can be linked to information that identifies you. For example, your name, mailing address, e-mail address, phone numbers, credit/debit card number or other payment information and also demographic and lifestyle information, such as age, personal interests and product preferences.
b) Business Information.
You may disclose or asked to disclose certain information related to your business “Business Information” while accessing or using Bazaari Finance website, domain and subdomain if any. Such Business Information may include the below illustrative and not exhaustive list of information and without any limitation.
i) The name and address of Your business entity.
ii) Nature of Your business entity i.e. private limited, public limited, partnership firm, limited liability partnership etc.
iii) The Corporate Identification Number and or registration number as applicable.
iv) Details of any shareholding and management.
v) Details of any corporate structuring or restructuring including but not limited mergers or acquisitions, demergers, reverse mergers and takeovers.
vi) Details of any credit or debt facility availed or investments made by Your business entity or any indebtedness incurred to You.
vii) Business contact information (such as job title, department and organization’s name, statutory details, filings, identity, and business proofs)
viii) Any such other information which may or may not be publicly accessible.
c) Non-Personal Information.
For the purpose of this Policy, Non-Personal Information shall mean and include that information which does not specifically fall under the ambit of Your Personal Information or Your Business Information and which does not specifically identify any person or business but includes information provided by You like browser type, URL of sites visited by you, details of Your internet service provider (ISP), Your communication device operating system, internet protocol address and any other information that is voluntarily provided by You in response to feedback, questionnaires or surveys conducted by Bazaari Finance on its own website or on any other social media or social networking platforms.
d) Public Domain Information.
Bazaari Finance may collect Your information maintained by government agencies and other statutory and quasi-statutory bodies open for public inspections and limited to permissible purpose. Bazaari Finance may have access to documents uploaded by You or your business on the Ministry of Corporate Affairs website, including incorporation documents, compliance forms and annual return filings, details of charges created on Your immovable assets and filed with Central Registry of Securitization Asset Reconstruction and Security Interest (CERSAI) and other documents maintained with sub registrar office (SRO) of Your jurisdiction, Bazaari Finance jurisdiction or the jurisdiction where such immovable asset is situated.
2) MODE OF INFORMATION COLLECTION
a) Information You Provide to Bazaari Finance.
Bazaari Finance collects Your Information while you voluntarily disclose information on the website of the Bazaari Finance for the purpose of availing the products and services offered by Bazaari Finance.
b) Information from Third Party
Bazaari Finance may collect Your Information from any third-party sources to enable you to directly login or sign up with your account maintained with Bazaari Finance. Or to provide you better experience on Bazaari Finance website and provide You updated information about Bazaari Finance’s products and services. For example, if You use an integrated social media feature on Bazaari Finance’s websites. The third-party social media site will give Bazaari Finance certain information about You. This could include your name and email address.
c) Passive Collection of Information
d) Automatic Collection of Information
Bazaari Finance may automatically collect some of Your Information as a result of Your use of the website, or through the use of web analytics services. This information includes but is not limited to:
i) The Internet Protocol (IP) address of the device from which You access the Platform (this can sometimes be used to derive the country or city from which you are accessing the Platform).
ii) The specific actions that you take on the Platform, including the pages that you visit, connecting your Facebook or Google+ account.
iii) The time, frequency and duration of your visits to the Platform.
iv) Your device type, make and model, your browser type and operating system.
v) The nature of the device from which you are accessing the website, for example, whether you are accessing the website from a personal computer or from a mobile device.
vi) Your location data (e.g. Global Positioning System), calling history, contact list and messages when using Applications of Bazaari Finance.
vii) Bazaari Finance, as a part of activating an account, may request Your consent to connect with your email account for the purpose of collecting your bank statement/loan facility details and collecting such other information limited to the purpose of credit and risk scoring models. If you have installed, use or access Bazaari Finance’s website from Your mobile phone or any other communication device using the App then Bazaari Finance from time to time may collect or have access to financial information contained in the short messaging services (SMS) stored in Your mobile phone or such other communication device.
3) USE OF YOUR INFORMATION (PERSONAL AND BUSINESS INFORMATION)
Bazaari Finance may use Your Information for the following purposes from time to time;
a) To comply with legal and statutory compliance and in order to prevent, protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity under The Prevention of Money Laundering Act 2002 (the PML Act) and rules framed thereunder or any other guidelines issued by Reserve Bank of India from time to time.
b) To capture, save, compile and analyze Your Information required to perform credit and risk scoring models and establish identity and assess applications.
c) To create anonymous data from Your Information and other individuals whose personal information is collected by Bazaari Finance and make Your Information into anonymous data by excluding information that makes the data personally identifiable to You, and use that anonymous data for our lawful business purposes.
d) To communicate with you to respond to customer service requests, send marketing communications, and send account update notifications.
e) To share the information with multiple financial institutions and other lenders for customization of offers and provision of services;
f) To undertake research, troubleshooting, fraud and risk management, and prevention of other criminal activity.
g) To offer different innovative and personalized products and services for a better customer experience.
h) Bazaari Finance may provide different utilities for helping small businesses and collect relevant information to offer customized products and services.
4) SHARING YOUR INFORMATION
Bazaari Finance does not share or sell Your Information provide us with to other organizations without Your express consent, except as described in this Policy. Bazaari Finance may disclose Your Information to third-parties under the following circumstances:
Professional advisors. Bazaari Finance may disclose Your Information to professional advisors, such as lawyers, technical agency, bankers, auditors and insurers, document verification agency where necessary in the course of the professional services that they render to Bazaari Finance.
Compliance with Laws and Law Enforcement; Protection and Safety. Your Information can be disclosed to government or law enforcement officials or private parties as required by law, and disclose and use such information as Bazaari Finance in its sole discretion believe necessary or appropriate to comply (i) with applicable laws and lawful requests and legal process, such as to respond to subpoenas or requests from government authorities (ii) enforce the terms and conditions that govern the product and services of Bazaari Finance.
Sale / Acquisition / Transfer: Bazaari Finance may disclose and/or transfer Your Information to an acquirer, assignee or other successor entity in connection with a sale, merger, or reorganization of all or substantially all of the equity, business or assets of Bazaari Finance.
Bazaari Finance is concerned with the security of Your Information collected and uses commercially reasonable measures to prevent unauthorized access to Your Information. These measures include but not limited to;
a) Internal policies
b) Handling procedures
c) Employee training
d) Restricted physical access
e) Technical elements relating to data access controls.
In addition, Bazaari Finance uses standard security protocols and mechanisms to facilitate the exchange and transmission of sensitive data, such as financial information and credit reports. Encrypted point-to-point connections are used to communicate between systems to protect Your financial information, as well as encrypt vital information that You input through the Site.
Although reasonable efforts are made to secure network communications and the Site, Bazaari Finance cannot guarantee that the information submitted to, maintained on, or transmitted from our systems will be completely secure.
6) EMAIL OPT-OUT
You can opt-out of receiving our marketing emails. To stop receiving our promotional emails, please email email@example.comIt may take about ten days to process your request. Even if You opt-out of getting marketing messages, Bazaari Finance will still be sending you transactional messages through email and short message service (SMS) about your registration for any event or seminars.
7) COMMUNICATION PREFERENCES
During registration and when availing of services, You can set your email preferences with respect to receiving certain communications from Bazaari Finance. In case You have opted to unsubscribe Bazaari Finance’s newsletters and other general e-mail marketing communication then You will be unable to opt-out of receiving administrative messages, customer service responses or other transactional communications.
8) WITHDRAW CONSENT
You may withdraw Your consent for the use or disclosure of Your Information for the purposes set out in this Policy, You may not have access to all the products and services of Bazaari Finance. However, in such a situation, Bazaari Finance may be unable to provide its product and services to You efficiently.
You agree and acknowledge that you are providing your information out of Your free consent. Subject to certain exceptions prescribed by law and provided Bazaari Finance can authenticate your identity,
You can contact Bazaari Finance at firstname.lastname@example.org
or send mail to;
Bazaari Global Finance Ltd.
409, Eco Star,
Vishveshwar Nagar Rd,
Churi Wadi, Goregaon East,
• Access, verify, correct, update, amend, restrict, object to, or delete any information related to Your Information Bazaari Finance has about You.
• Opt to transfer your personal data.
• Change preferences regarding how Your Information is disclosed.
• Notify Bazaari Finance if You do not wish to receive further communication from Bazaari Finance.
If You opt-out, You should not visit any Bazaari Finance’s website, domain, or sub-domain, use any services provided by Bazaari Finance or related to Bazaari Finance entities, or contact any of Bazaari Finance entities. Bazaari Finance may deny You access of services offered on the website.
10) QUESTIONS OR COMPLAINTS
If you have any questions about this Policy, you may contact Bazaari Finance:
E-mail at email@example.com or Contact at 0291 2430277
Write to Bazaari Finance at:
Bazaari Global Finance Ltd.
409, Eco Star,
Vishveshwar Nagar Rd,
Churi Wadi, Goregaon East,
In accordance with Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, if You have any grievances or concerns about this Policy or if you would like to make a complaint about a possible breach of privacy in relation to Bazaari Finance’s website, you may contact the Grievance Officer at firstname.lastname@example.org
11) CHANGE IN TERMS AND CONDITIONS OF THIS POLICY
Any substantial change or update or revisions of terms and conditions of this Policy will be notified by Bazaari Finance vide sending an e-mail on Your E-mail address as provided by You or maintained in the records of Bazaari Finance. Bazaari Finance shall not be responsible for verification of Your E-mail address and any such notification shall be deemed to have been delivered and notified to You, the moment such notification reaches Your E-mail inbox or any subfolder of Your e-mail inbox including but not limited to the spam folder.
12) E-MAIL COMMUNICATION AND GREEN INITIATIVE
Bazaari Finance is an eco-friendly company and believes in the promotion and development of a clean and green environment. As an initiative for a clean and green environment, Bazaari Finance has adopted E-mail as the preferred mode of communication with You and request You to use this preferred mode of communication with Bazaari Finance. You are requested not to use paper or send any communication to Bazaari Finance in paper mode unless it is very urgent or You do not have access to Your E-mail.