PRIVACY POLICY
This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully.
General
This privacy statement is applicable to website and applications of HPZ.
This Privacy Policy applies regardless of whether you use a computer, mobile phone, tablet,
or television or any other media or computer resource to access our Services. It is important
that you read the Privacy Policy carefully because whenever you use our website/applications,
your Personal Data will be processed (if at all) in accordance with this policy.
Personal Data and its collection
Personal Data, means and includes, any data relating to identified or identifiable living person
(‘data subject’ here in referred as you/your’) including but not limited to, name, address, mailing address, telephone number,
email ID, bank account details including details linked to credit/debit payment instruments, information about your mobile phone,
any personal details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India
(UIDAI), Credit Information Bureau of India Limited (CIBIL) or any other agency including any other Credit Information Companies (CIC).
We collect information about you or your usage to provide better services to all of our users. We collect information in the following ways:
HPZ does not collect Personal Data about individuals except when such individuals specifically provide such data on a voluntary basis. Upon such voluntary disclosure of Personal Data, we may further verify, collate or receive data about you from publicly and commercially available sources (as permitted by law), which we may combine with other data we receive from you. We may also receive data about you from third-party social networking services if you are already connected with those services.
Lawful Basis of Processing
We may process your data because:
• We have a contract with you
• You would have given us express permission to do so
• We must have provided services to you after you have purchased something from us
• We must have provided services to you because you have availed for one of our offers
• To comply with the law.
Use of Personal Data
We use Personal Data to provide you with solutions you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, assess your interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against errors, fraud and other criminal activity, enforce our terms and conditions, etc.
We may also use your Personal Data to send you offers regarding various services/facilities which HPZ or its group companies may, from time to time, launch. Your consent will be taken before we send you any such communication.
We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at HPZ. Since the surveys will be optional, any Personal Data you provide will be voluntarily given by you. All such data shall be transmitted and stored by us in an encrypted manner in accordance with all applicable laws to ensure the secrecy and confidentiality of the Personal Data and such Personal Data shall not be shared or used except as contemplated here in.
Cookies and Other Tracking Technologies
Some of our Web pages utilize “cookies” and other tracking technologies. A “cookie” is a small text file that may be
used, for example, to collect data about Web site activity. Some cookies and other technologies may serve to recall
Personal Data previously indicated by a Web user. Most browsers allow you to control cookies, including whether or
not to accept them and how to remove them.You may set most browsers to notify you if you receive a cookie,
or you may choose to block cookies with your browser, but please note that if you choose to erase or block your cookies,
you will need to re-enter your original user ID and password to gain access to certain parts of the Web site.
Tracking technologies may record information such as Internet domain and host names; Internet protocol
(IP) addresses; browser software and operating system types; clickstream patterns; and dates and times t
hat our site/application is accessed. Our use of cookies and other tracking technologies allows us to improve
our website/applications and your Web experience. We may also analyse data that does not contain Personal Data
for trends and statistics.
For more information about our use of cookies please refer to our Cookie Policy.
Information Sharing and Disclosure
We restrict access to your Personal Data to employees who we believe reasonably need to know that data in order to fulfil their jobs to provide, operate, develop, or improve our products or services.
HPZ does not rent, sell, or share Personal Data about you with other people or non-affiliated companies except:
a) to provide products or services you’ve requested,
b) when we have your permission,
c) or under the following circumstances:
Consent to International Transfer of Data
When you use or participate in any of our Services and/or provide us your details, your data may be transferred outside India for processing consistent with this Privacy Policy. Please note that the data protection laws of countries to which your data may be transferred will be at least same level as that of India.
In case your data is first processed in the European Union (EU), it may be transferred outside EU to share with Indiabulls group companies, affiliates and/or trusted partners for processing consistent with this Privacy Policy. However, such transfers will be made only while appropriate protective measures exist to protect your transferred data (e.g. – contractual clauses with the respective entities with whom the data will be shared).
Third-Party Links and Content on Services
Our Services may link to third-party websites/applications and services that are outside our control.
Further, HPZ, its group companies, its affiliates, and their directors and employees (“HPZ Group”)
accept no liability and will not be liable for any loss or damage arising directly or indirectly
(including special, incidental or consequential, punitive, or exemplary loss, damage or expenses)
from your use of any application or any site or inability to use by any party, 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 any online application, its Contents
(material, information, data, money market movements, news items, etc.) or associated services,
or due to unavailability of any application or any part thereof or any Contents or associated services
even if HPZ Group are advised of the possibility of such damages, losses or expenses.
Minors
To use the Site/Application you agree that you must be the minimum age (described in this paragraph below) or older.
The minimum age for these purposes shall be 16, however if local laws require that you must be older in order for HPZ to lawfully provide the services in the Site/Application to you then that older age shall apply as the applicable minimum age.
In all jurisdictions outside the European Union, if you are under the age of 18 or the age of majority in your jurisdiction, you must use HPZ under the supervision of your parent, legal guardian or responsible adult.
Data Retention
Your Personal Data processed by HPZ are kept in a form which permits your identification
for no longer than is necessary for the purposes for which the Personal Data are processed
in line with legal, regulatory, contractual or statutory obligations as applicable.
At the expiry of such periods, your Personal Data will be deleted or archived to comply with legal/contractual retention obligations or in accordance with applicable statutory limitation periods.
Control over Your Information
We also provide you with the ability to control your Personal Data in accordance with European Union’s General Data Protection Regulation, which includes the right to access, modify, erase, restrict, transmit, or object to certain uses of your data.
If you have privacy concerns regarding access to or the correction of your Personal Data, please contact us at the contact information mentioned within the section called “Data Privacy Issues and Whom to Contact” of this policy.
In your request, please make clear what Personal Data you would like to have changed, whether you would like to have your Personal Data that you have provided to us suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Data that you have provided to us.
While the majority of questions and issues related to access or requests can be handled quickly, complex requests may take more research and time. In such cases, issues will be addressed, or you will be contacted regarding the nature of the problem and appropriate next steps, within 30 days.
Security and Confidentiality
HPZ makes sure at all times to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection and safeguarding of your Personal Data as the same is of vital importance to HPZ. At HPZ, we are strongly committed to protecting the personal and financial information that you submit to us.
HPZ shall ensure to safeguard the security and confidentiality of any data you share with us. Any of your personally identifiable data obtained by us shall not be used or shared other than for the purposes to which you consent. However, despite our utmost efforts to protect your Personal Data, HPZ cannot warrant the security of any data you transmit to us through our online services/ applications. By accepting this Privacy Policy, you accept that such transmission of your Personal Data is done at your own risk.
Lastly, you are requested to help us protect your data privacy by maintaining the secrecy of the username and password you use for any of our Services.
Social media
HPZ operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. HPZ monitors and records comments and posts made on these channels about HPZ in order to improve its products and services.
– sensitive Personal Data including (i) special categories of Personal Data meaning any information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, and the processing of genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation and (ii) other sensitive Personal Data such as criminal convictions and offences and national identification number ; – Excessive, inappropriate, offensive or insulting information towards individuals.
HPZ is not responsible for any information posted on those sites other than the information posted by its employees on its behalf. HPZ is only responsible for its own use of the Personal Data received through such sites
Consent
Consent is often referred to as an individual’s choice to “opt-in” or “opt-out”
the use of their Personal Data and is usually obtained by a “check box” or signature
confirming the individual understands and agrees to the processing of their Personal Data.
At times, express written consent from you may be required based on the information processing activity.
Whenever required, we take consent from you prior to:
Should You Want To Opt Out
If we possess your contact information, we may want to keep you posted about our products, services and events, through email. Should you prefer not to keep up to date with HPZ news and latest information on services and receive such marketing materials, please send an email to unsubscribe-HPZ@indiabulls.com
However, such withholding of information or withdrawal of consent may result in us not being able to provide services and facilities and we reserve its right to take appropriate action with respect to any obligations or in relation to any contract under which such Personal Data was sought.
We will update your preferences as soon as reasonably practical. However, do note, if you opt out of our emailing list, as described here, we may not be able to remove your Personal Data from all databases of HPZ or other 3rd parties. For that, you would need to raise a request to erase your data as mentioned in the above section (control over your information).
Disclaimer
HPZ shall not be liable for any loss or damage sustained by reason of any disclosure (inadvertent or otherwise) of any information concerning the user’s account and / or information relating to or regarding online transactions using credit cards / debit cards and / or their verification process and particulars nor for any error, omission or inaccuracy with respect to any information so disclosed and used whether or not in pursuance of a legal process or otherwise. HPZ does not store any Credit\ Debit card details. Any other personal and sensitive Personal Data shared by you which is not asked by HPZ during registration, either mandatorily or optionally; accounts to wilful and intentional furnishing; and HPZ will not be liable for breach of such information.
No contractual obligation
Please note that this Privacy Policy does not create any contractual or other
legal rights in or on behalf of any party, nor is it intended to do so.
Intellectual Property Rights
Please note that HPZ retains all rights
(including copyrights, trademarks, patents as well as any other intellectual property right)
in relation to all data provided on or via this web site/applications (including all texts, graphics and logos).
Changes to this Privacy Policy
HPZ reserves the right to change or update this Privacy Policy or any other of our policies/practices
at any time without giving any prior notification; hence, you are requested to review the Privacy Policy periodically,
to make sure that you are aware of any such changes. This Privacy Policy shall apply uniformly to HPZ website and HPZ
applications or any other media used by HPZ for its Services. Any changes or updates will be effective immediately
upon posting the same on our web site at privacy-HPZ@indiabulls.com
Data Privacy Issues and Whom to Contact
If you have any questions, comments or concerns about this Privacy Policy or about how we handle your Personal Data, please get in touch with us at privacy-HPZ@indiabulls.com