Last updated: 5th June 2023
By using moneycontrol's service (for example, when you register for an account, purchase a service, enter a contest or promotion, communicate with us, on our sites or applications), you agree to our collection, use and sharing of your personal information as described in this policy. In some cases, particularly if you reside in a country governed by a data protection regulation, we may ask you to provide explicit consent to access our services before proceeding for further operations. In case of any roaming user profile or if you are a traveller visiting various countries around the world and avail moneycontrol's services, then we will consider the country of registration as your primary country and the consents obtained at the time of registration will be valid for your processing of personal information. The privacy terms applicable as per the law of that country at the time of registration will be applicable to you.
Accessing Website and Moneycontrol Services through VPN
You should not access or use the Website or MoneycontrolServices by means of any mechanism or technology which conceals your actual geo-location or provides incorrect details of your location (for example, use a virtual private network (VPN) to access the Services).
We will not be responsible or liable for any collection, storage or processing of your personal information or data if you use any mechanism or technology to access or use Website or Services which conceals your actual geo-location.
Collection of Personal Information and it's use
'Personal Information' or 'PII' is defined as any information that identifies (whether directly or indirectly) a particular individual or natural person, such as the individual's name, postal address, email address, and mobile number indicating to that particular person or is identifiable. When anonymous information is directly or indirectly associated with personal information, the resulting information can also be treated as personal information.
Moneycontrol only collects the necessary personally identifiable information in order to respond to your requests for our customized products and services.
Moneycontrol does not collect personally identifiable information about you except when you specifically and knowingly provide it. moneycontrol and its service partners use your personally identifiable information to operate the sites and services and to inform you of new features, services, and products from moneycontrol and its affiliates.
- I. Information you provide to us
We may ask for and collect the following personal information about you when you use the moneycontrol.com and without this information we may not be able to provide you with all the requested services;
a. Registration Data
To use certain features on the website, Application and for the Services (such as event registrations and website campaigns), you may provide basic contact Information, including but not limited to:
b. User profile details
- First Name
- Last Name
- Email Address
We may further collect and record the following personal information under the "My Profile" section, which helps us provide customized feeds and maintain a user profile, including but not limited to:
c. User portfolio details
- Email ID
- Date of birth
- Annual Income
- Mobile Number
In addition to the above mentioned information, the user may also create a "Portfolio" by providing the financial details regarding the following:
Financial information thus collected is essential in provision of services such as:
- Mutual Funds
- Fixed income
- Asset details
- Investment transaction details
d. Mobile device permissions
- Providing recommendations and daily alerts to the user
- Customization of content on the website for enhanced user experience
When accessing our application on mobile devices/ tablets/ TVs or any other device having access of the said application, we may request and gain access to the following:
- Accounts - Used for managing multiple user accounts within the app and for Login purposes
- Contacts - Used for accessing users Contact in order to share articles through the app
- Phone - To read phone state and enable user notifications on user's device. IMEI is being collected to uniquely identify every user only
- Camera - In order for the user to upload images and profile image of the User. Let's user use Camera inside of moneycontrol
- Microphone - To enable voice command related actions
- Storage - To access files folders from inside the App
- SMS - To send and receive verification messages
Permissions to these settings may be essential in adequate running of the application. Permissions can be managed through the respective user devices using the "settings" option.
II. Information you provide to us voluntarily
If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the moneycontrol.com, we may collect and store such information.
We may collect additional information at other times, when you provide feedback(s), modify your content or email preferences, respond to surveys, or communicate with us. This information may include your name, e-mail id, mobile number, location, etc
III. Information we collect automatically
We collect information about you and your use of our service, your interactions with us and our advertising, as well as information regarding your computer or other devices used to access our service(such as mobile devices, tablets and other viewing devices). This information includes, but is not limited to:
- Activities on moneycontrol.com such as type of pages viewed, time spent on pages, search queries etc.
- Your interactions with our email, customer care and messaging platform.
- Geo-location information through IP addresses;
- Device information like device id, device model etc. and other unique identifiers
- Advertising identifiers, such as those found on mobile devices & tablets, devices that include identifiers(for example the Identifiers for Advertisers (IDFA) on iOS devices and GAID on Android devices);
IV. Inferred Information through usage and log data
We may track certain information about you based upon your behaviour on the moneycontrol.com. We use this information for conducting internal research on our users' demographics, devices, interests, and behaviour to better understand, protect and serve our users. This information is compiled and analysed on an aggregated basis.
We may also collect Your Information to track user behaviour and preferences for internal analytics and research. We may also use your information:
(i) To evaluate Your interest for investment options, services, offers, subscriptions;
(ii) To perform analytics and conduct customer research, to determine your interest, for identifying content that generate sales and to analyse traffic patterns.
- a. Interactive features
moneycontrol.com has many features that provide for users/members to disclose their identities and communicate with other users/members. Your use of such features and disclosure of any personal details (e.g. e-mail address) by you through these features are at your sole risk and moneycontrol.com accepts no responsibility for the same. However, if your privacy has been intruded as a result of participating in such features, you could notify us by e-mail at firstname.lastname@example.org.
If you choose to post messages on social media accounts, message boards, chat rooms or other message areas or leave feedback, we will collect that information you provide to us. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law. We may also retain such information on an aggregated basis to formulate market trends and market sentiments. We do not, however, associate any of your personal information with these comments or posts while performing such analysis.
- b. User Experience and Support
We identify and use Your IP address to help diagnose any problems with our server, and to administer our application. Your IP address is also used to help identify you and to gather broad demographic information to customize your experience on the moneycontrol.com.
We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, etc.). We use this data to tailor your experience on the moneycontrol.com, providing you with content that we think you might be interested in and to display content according to your preferences.
V. Information we collect through third parties
- a. Social Media Login
When you register using your other accounts like on Facebook, Gmail etc. we shall retrieve Information from such accounts to continue to interact with you and to continue providing the Services. We collect the following information from the respective social media platforms, including but not limited to:
- Facebook - Public information, Name, Email id, friend list
- Google - First name, Last name, Email id
- b. Transactional or Billing Information
Based on Your purchase of a subscription package, our payment gateway partner may collect information with respect to your credit/debit card details or other bank account details along with your billing address. This information is stored by our payment gateway partner. For instance, the Services will be using third party payment gateway partners to process and facilitate the payment of your subscription fee to the Services for providing you access to the subscription. Please note that moneycontrol.com does not directly collect any financial information such as credit card or debit card or net banking details from you. Such payment gateway partners are not controlled by us. When you visit such payment gateways you do so at your own risk. These payment gateways may have their own privacy policies in place, which we recommend you review if you visit any such payment gateways. We do not assume any responsibility or liability for such payment gateways, the content of such payment gateways and their privacy practices, nor do we endorse them. We encourage you to familiarize yourself with the privacy statements provided by such payment gateways prior to providing them with information about you or entering into any transactions with them.
- c. Financial Information
For provision of services and subscriptions, you may be required to present additional financial or sensitive personal information to our partners, on their respective websites (e.g. PAN card details for mutual funds). You understand, agree and acknowledge that moneycontrol.com does not process any information provided on partner/vendor websites. Your Personal Information, Sensitive Personal Data or Information and financial information will be dealt by these partners in accordance with their respective privacy policies and other terms and conditions and moneycontrol.com shall not be liable, accountable or responsible for Your Personal Information, Sensitive Personal Data and Financial Information which you provide to these payment gateways. Moneycontrol.com may however receive a copy of such information (e.g. PAN numbers, transaction IDs and details) provided by you to third parties (vendors, partners) solely for the purpose of reconciliation and validation of transaction, or for the purpose of resolution of complaints such as a transaction failure, processing of refunds, only as permissible by the local law. Moneycontrol.com will not process any information without consents, as applicable by the local laws.
- d. Auto renewal Subscription
When you chose any subscription or paid service, we or our payment gateway provider may collect your purchase, address or billing information, including your credit card number and expiration date etc. However, when you order using an in-app purchase option, same are handled by such platform providers. The subscriptions or paid Services may be on auto renewal mode unless cancelled. If at any point you do not wish to auto-renew your subscription, you may cancel your subscription before the end of the subscription term. We do not capture/store any personal payment information with us.
- e. Information from other Sources
We may receive information about you from other sources, add it to our account information and treat it in accordance with this policy. If you provide information to the platform provider or other partner, whom we provide services, your account information and order information may be passed on to us. We may obtain updated contact information from third parties in order to correct our records and fulfil the Services or to communicate with you. Demographic and purchase information: We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions, based on the consents provided by you.
II. Purposes and Lawfulness of processing
Moneycontrol.com will only collect and process personal data about you where we have lawful basis. Lawful basis on which we would process your personal information includes obtaining explicit consent from you for processing your personal information or processing for "legitimate interests" where processing is necessary by us to provide you with customer support or process your data for providing premium services (For e.g. processing of your information by our payment gateway service providers).
We use information to provide, analyse, administer, enhance and personalize our service and marketing efforts, to process your registration, your orders, payments, and to communicate with you related to the cases mentioned below. For example, we use information to:
- determine your portfolio requirements and provide personalized suggestions, tips and predictions on market trends, alerts on the market changes and statistics of indices, all of which we think will be of interest to you;
- prevent, detect and investigate potentially prohibited or illegal activities, including fraud;
- analyze and understand our audience, improve our service (including our user interface experiences) and optimize content selection, recommendation algorithms and delivery;
- communicate with you concerning our service (for example by email, push notifications text messaging, and online messaging channels), so that we communicate news regarding moneycontrol.com to you, details about new features and content available on the moneycontrol.com, and special offers, promotional announcements, contests and consumer surveys, and to assist you with operational requests such as password reset requests.
- Notify you about changes in terms of service.
- Providing resolution when you raise a request through our customer support or any other channels
- Allow you to participate in interactive features offered through our Services.
- Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing, chargeback and collection.
We may use your information to provide you with personalised experience when you visit/use one of our sites/apps, and for insight and marketing purposes.
We provide personalisation by using data you submit to us in terms of cookies, IP addresses, web beacons or similar technologies in relation to the devices you use. By doing so, we can provide you with contents and/or advertising that we believe is more relevant to your interests. Please provide explicit consent for the same when we collect your data and/or adjust your user preferences in your account profile concerning your choices/preferences provided.
You can click on http://www.youronlinechoices.eu to know more about online privacy and the measures you can take to protect your privacy on the Internet
III. Information used by the company
The Information as supplied by the users enables us to improve the Services and provide you the most user-friendly experience. In some cases/provision of certain service(s) or utility (ies), we may require your contact address as well. All required information is service dependent and the Company may use the above said user Information to, maintain, protect, and improve the Services (including advertising on the "Application") and for developing new services. We may also use your email address or other personally identifiable information to send commercial or marketing messages with your consent, as applicable by local laws [with an option to subscribe / unsubscribe (where feasible)]. We may, however, use your email address without further consent for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, billing, etc.)
IV. Disclosure to third parties
- a. General Disclosure
moneycontrol.com may also carefully select other companies to send you information about their products or services which are related to the site's service but are not necessary to its operation (an "Extended Service"). If moneycontrol.com intends to use personally identifiable information for an Extended Service, the moneycontrol.com site will provide you with the ability and requisite instructions to decline this service.
You may also stop the delivery of informational or promotional mail from moneycontrol.com by following the instructions on the mail.
- b. Advertising
When we present information to our advertisers -- to help them understand our audience and confirm the value of advertising on our websites or Applications -- it is usually in the form of aggregated statistics on traffic to various pages / content within our websites or Applications. We use third-party advertising companies to serve ads when you visit our websites or Applications. These companies may use information (including your name, address, email address or telephone number or any other personally identifiable information) about your visits to this and other websites or application, in order to provide advertisements about goods and services of interest to you. We do not provide any personally identifiable information to third party websites / advertisers / ad-servers without your consent.
- c. Service Providers
We may share non-personally identifiable information publicly and with our partners - like publishers, advertisers, developers, or rights holders. For example, we share information publicly to show trends about the general use of our services. We also allow specific partners to collect information from your browser or device for marketing/promotions and measurement purposes using their own cookies or similar technologies.
- d. Promotional Offers
We'll share or disclose your personal information outside of moneycontrol.com when we have your consent. For example, providing SMS and E-mail related services such as marketing newsletters, promotions and offers.
- e. Business Transfers
In the event e-Eighteen.com Ltd. is merged with or acquired by another company or in case of re-organization or re-structuring of business, we and our affiliates may share your personal information, wholly or in part, with another business entity
- f. Legal
Moneycontrol.com may disclose personally identifiable information if required to do so by law or in the good-faith belief that such action is necessary to:
- conform to the edicts of the law or comply with legal process served on the site or its owners;
- protect and defend the rights or property of the site-owners, the site or the users of moneycontrol.com;
- Act under exigent circumstances to protect the personal safety of users of moneycontrol.com, the site, its owners, or the public.
V. Your Controls and Choices
- Managing Your Information
When you use the Services from moneycontrol (websites or any of its sub sites), we make good efforts to provide you, as and when requested by you, with access to your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes.
We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services, after you delete your information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
To exercise rights applicable to you as a data subject, you must write to us at
and raise a request for the specified right. Kindly ensure you use appropriate subjects to mention the right (e.g. Data Access Request, Data Portability Request, Data Deletion Request) while raising all such requests, this would help us process your requests in a faster and more efficient manner.
We provide you the ability to exercise certain controls and choices regarding our collection, use and sharing of your personal information. In accordance with applicable law, your controls and choices may include:
- a. Data Access and Portability
The EU - General Data Protection Regulation) entitles you, as the data subject, to request copies of your personal information held by us. You may also be entitled to request copies of personal information that you have provided to us in a structured, commonly used, and machine-readable format and/or request us to transmit this information to another service provider (where technically feasible)
- b. Rectification of Inaccurate or Incomplete Information
You can ask us to correct inaccurate or incomplete personal information concerning you (this is the information which you cannot update yourself within your moneycontrol account) by sending us an e-mail.
You can access and update some of your personal information through your account settings. If you have chosen to connect your moneycontrol.com profile to a third-party application, like Facebook or Google, you can change your settings and remove permission for the app by changing your account settings. You are responsible for keeping your personal information up-to-date. Moneycontrol.com may send you periodic reminders via e-mail to maintain the accuracy of your personal information.
- c. Data Retention and Erasure
We retain your personal information as long as necessary for the legitimate interests specified in this policy and for us to comply with our legal obligations. If you no longer want us to use your information then you can request that we erase your personal information and close your moneycontrol.com account.
Please note that if your request for the erasure of your personal information;
(Note: If you have multiple accounts with moneycontrol, you will need to raise separate requests for each of those accounts, using the associated email IDs)
- We may retain some of your personal information as necessary for our legitimate business interests, such as fraud detection and prevention and enhancing safety. For example, if we suspend a moneycontrol.com account for fraud or safety reasons, we may retain certain information from that account to prevent that user from opening a new account in the future.
- We may retain and use your personal information to the extent necessary to comply with our legal obligations. For example, we may keep some of your information for tax, legal reporting and auditing obligations.
- Information you have shared with others (e.g., Reviews, forum postings) may continue to be publicly visible on moneycontrol.com, even after your account is cancelled. However, attribution of such information to you will be removed. Additionally, some copies of your information (e.g., log records) may remain in our database, but are disassociated from personal identifiers.
- Because we maintain copies of personal information to protect from accidental or malicious loss and destruction, residual copies of your personal information may not be removed from our backup systems for a limited period of time.
- d. Withdrawing Consent and Restriction of Processing
For withdrawing your consent at any time during the tenure of your services with us, you may choose to do so by sending us an e-mail. We shall review your request and may ask you to verify your identity. Post verification we will withdraw the consent for which request was made by you and stop any further processing of your personal information
- e. Objection to Processing
Where your personal information is processed for direct marketing purposes, you may, at any time ask us to cease processing your data for these direct marketing purposes by sending an e-mail to us.
Please be aware that if you do not allow us to collect personal information from you, we may not be able to deliver certain experiences, products, and services to you, and some of our services may not be able to take account of your interests and preferences. If collection of personal information is mandatory, we will make that clear at the point of collection so that you can make an informed decision whether to participate. If you have questions about the specific personal information about you that we process or retain, and your rights regarding that personal information, please contact our customer support team.
- f. Opting out of Sale of Information
You are entitled to opt-out from transferring your data by E-Eighteen.com Ltd. to those third parties who use your data for their own purposes. You can do so by clicking on the opt-out option available at the bottom of the home page of this website or you can write an email to DPO@nw18.com and confirm this choice
- g. Appointing an Authorized Agent
You are entitled to appoint an Authorized Agent to raise a request on your behalf provided the authorized agent is able to submit us with your consent for the respective request. The Authorized Agent shall reach out to us using the Contact Information provided below
- h. Non-Discrimination
You have a right not to receive discriminatory treatment by E-Eighteen.com Ltd. for the exercise of the privacy rights conferred by the CCPA.
VI. If you fail to provide consent
It is our duty to inform you that moneycontrol.com is an ad-serving platform. Advertisements form the core of our business, therefore permissions to use and process your personal information to provide advertisements is essential for us to provide services to You. Use of personal information for ad-serving is a binding criterion and we will not be able to provide you with Our services if you fail to authorise us to use your personal information for the purpose of ad-serving and the activities related to it.
VII. Children's Privacy
Moneycontrol.com is not intentionally designed for or directed at persons less than 16 years of age. e-Eighteen.com Ltd. does not knowingly permit any person who is under 16 years of age to register with the services or to provide any other personally identifying information. If e-Eighteen.com Ltd.becomes aware that any personally identifiable information of persons less than 16 years of age has been collected on the moneycontrol.com without verified parental consent, then e-Eighteen.com Ltd. will take the appropriate steps to delete any such information and notify the parent.
However, we consider it the responsibility of parents to monitor their children's use of our services. Nevertheless, it is our policy not to collect and process any personal information from children below 16 years of age or offer to send any promotional materials to persons in that category. e-Eighteen.com Ltd. does not seek or intend to seek or receive any personal information from children. Should a parent or guardian have reasons to believe that a minor has provided e-Eighteen.com Ltd. with personal information without their prior consent, please contact our customer support team to ensure that the personal information is removed from moneycontrol.com
VIII. Data transfer, storage & processing globally
IX. Security and compliance with laws
We are continuously implementing and updating administrative, technical, and physical security measures to help protect your information against unauthorized access, loss, destruction, or alteration. Some of the safeguards we may use to protect your information are firewalls and data encryption, and information access controls. If you know or have reason to believe that your moneycontrol.com account credentials have been lost, stolen, altered, or otherwise compromised or in case of any actual or suspected unauthorized use of your account, please contact us by contacting our customer support team.
X. Change in Policy
XI. Contact information
- a. Support
- b. Data Controller Officer
The data controller for the moneycontrol.com is e-Eighteen.com Ltd. with the business address of:
First Floor, Empire Complex,
The data protection officer (DPO) appointed by e-Eighteen.com Ltd. is Mr.. Apurv Narula, who can be contacted at DPO@nw18.com
414 Senapati Bapat Marg,
Lower Parel, Mumbai-400013
Ph: +91 22 4001 9000
- c. Complaints
You can write to our data protection officer in case of any grievance or compliant. You have the right to complaint about the data processing activities carried out by moneycontrol.com before the competent data protection authorities.
If you have any queries, complaints regarding the collecting, processing, transfer of personal data/information or regarding this policy please do contact our Data Protection Officer.
The terms of the Policy provided herein govern your use of any and all of the Applications and the information accessible on or from these Applications. The Policy also lays down how E18 may collect, use and share any information you provide. E18 reserves the right, at its discretion, to change, modify, add or remove portions of this Policy at any time. E18 recommends that you review this Policy periodically to ensure that you are aware of the current privacy practices.
This Policy shall be construed as provided in compliance with Information Technology Act, 2000 as amended and read with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
Collection of Information
- I. E18 may collect the following two types of information:
a. "Personal Information" which shall mean information which could reasonably be used to identify you personally, such as your name, email address, registration account details, physical address or other relevant personal details; and demographic information, such as gender, pin code or similar information. For the purpose of this policy, sensitive personal data or information has been considered as a part of Personal Information, which may include information such as password, financial information (details of bank account, credit card, debit card, or other payment instrument details).
b. "Non-Personal Information" which shall mean information that does not identify you or any other individual, and includes session, web beacons and usage data, log data and aggregate information. We use this information to inter-alia deliver our web pages to you upon request, to tailor our Application/website to the interests of our users, to measure traffic within our Application/website, to improve the Application/website quality, functionality and interactivity and let advertisers know the geographic locations from where our visitors come.
c. E18 may install cookies or other similar data collection software in your computer system/device for such purpose and you hereby consent to the same. We may use "cookies", beacons or similar electronic tools to collect information to assign each visitor a unique, random number as a User Identification (User ID) to understand the user's individual interests using the identified computer. Unless you voluntarily identify yourself (through registration, for example), we will have no way of knowing who you are, even if we assign a cookie to your computer. The only personal information a cookie can contain is information you supply. A cookie cannot read data off your hard drive. Our advertisers may also assign their own cookies to your browser (if you click on their ads), a process that we do not control.
- II. You represent that the information or data you provide from time to time is and shall be correct, current and updated and you have all the rights, permissions and consents to provide such information or data. Your providing the information or data and E18’s consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any third party agreement, laws, judgments, orders or decrees.
Use of Information
- I. You may need to provide E18 with your Personal Information while registering yourself on any of the Applications. The information so provided by you to E18 or otherwise captured by E18 may be used for a number of purposes connected with E18’s business operations which may include the following:
a. Processing orders or applications;
b. Provisioning of services, testing or improvement of services, recommending various products or services including those of third parties;
c. Dealing with requests, enquiries and complaints, customer services and related activities;
d. Marketing products and services of E18 and its analysis;
e. Responding to your queries and fulfilling your requests for information regarding the Applications;
f. Notifying you of any new offers or services of E18 and sending you important information regarding the Applications, changes to any of E18’s policies and/or other administrative information;
g. Keeping you informed about the latest content available on the Applications and special offers with respect to the same;
h. Sending you surveys and marketing communications that E18 believes may be of interest to you;
i. Conducting internal reviews and data analysis for the Applications;
j. Personalizing your experience while using the Applications by presenting advertising, products and offers tailored to you;
k. If you wish to subscribe to any content package or service offered by E18 through the Applications, for completing your purchase. (For example, to have your payments processed, communicate with you regarding your purchase and provide you with related customer service);
l. Improving the services, content and advertising on the Applications;
m. Protecting the integrity of the Applications; and
n. Responding to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law.
- II. Your Personal Information will be kept confidential to the maximum possible extent and will be used to support your relationship with E18, to notify you of any updated information and new activities and other related functions offered by E18. Any personally identifiable information provided by you will not be considered as sensitive if it is freely available and / or accessible in the public domain. Further, any comments, messages, blogs, scribbles etc. posted/uploaded/conveyed/communicated by users on the public sections of the Application becomes published content and is not considered personally identifiable information subject to this Policy.
- III. E18 may use Personal Information to verify whether you are entitled to access and use the Applications and the products and services made available through the Applications. This Personal Information may also be used to enable E18 to enhance your experience of the Applications.
- IV. Further, with respect to Non-Personal Information automatically collected and stored in files, E18 uses this information to understand and analyse trends, to administer the Applications, to learn about user behaviour on the Applications, and to gather demographic information about the user base as a whole. E18 may use this information in its marketing and advertising services. E18 may also use such information to measure traffic patterns on the Applications. As Non-Personal Information does not personally identify you, E18 may use and disclose Non-Personal Information for any purpose.
- I. E18 does not sell or rent Personal Information. Personal Information may be disclosed under the following circumstances:
a. E18 may disclose your Personal Information to its affiliates, group companies, consultants, vendors and contractors who provide various services including, contact information verification, payment processing, customer service, website hosting, data analysis, infrastructure provision, IT services, and other similar services, under confidentiality restrictions, in order to enable such vendor and service providers to provide the services subscribed to by you;
b. E18 may provide your information or data to its partners, associates, advertisers, service providers or other third parties to provide, advertise or market their legitimate products and/or services which may be of your interest. You will have the choice to 'opt out' of such marketing or promotional communications at your will; and
c. As necessary or appropriate:
d. We may disclose to third party services certain personally identifiable information listed below:
- in any manner permitted under applicable law, including laws outside your country of residence;
- to comply with legal process whether local or foreign;
- to respond to requests from public and government authorities, including public and government authorities outside your country of residence;
- to enforce E18’s terms and conditions;
- to protect E18’s rights, privacy, safety or property, and/or that of E18’s affiliates, you or others; and
- to allow E18 to pursue available remedies or limit the damages that E18 may sustain.
e. This information is shared with third party service providers so that we can:
- Information you provide us such as name, email, mobile phone number.
- Information we collect as you access and use our service, including device information, location and network carrier.
- Personalize the app for you
- Perform behavioural analytics.
- II. Your consent being part of the terms and conditions through which E18 provide you with a service. your consent to collecting Personal and Non-Personal Information may be implicit or implied or through course of conduct.
- III. Application may present display advertising and may collect data about traffic via Google Analytics or any equivalent analytical tool, Demographics and Interest Reporting.
Information Security and Storage
- I. E18 uses reasonable security measures, at the minimum those mandated under the Information Technology Act, 2000 as amended and read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, to safeguard and protect your data and information. E18 implements such measures, as stated above, to protect against unauthorized access to, and unlawful interception of, Personal Information. You accept the inherent security implications of providing information over Internet/ cellular/data networks and will not hold E18 responsible for any breach of security or the disclosure of Personal Information unless E18 has been grossly and wilfully negligent.
- II. Your information or data will primarily be stored in electronic form. However, certain data can also be stored in physical form. E18 may store, collect, process and use your data in countries other than the Republic of India but under full compliance with applicable laws. E18 may enter into agreement with third parties (in or outside of India) to store your information or data. These third parties may have their own security standards to safeguard your information or data and E18 will on commercial reasonable basis require such third parties to adopt reasonable security standards to safeguard your information / data.
- III. Notwithstanding anything contained in this Policy or elsewhere, E18 shall not be held responsible for any loss, damage or misuse of your Personal Information, if such loss, damage or misuse is attributable to a Force Majeure Event. A "Force Majeure Event" shall mean any event that is beyond the reasonable control of E18 and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, etc.
Third Party Websites, Applications and Services
Access, Correction and Deletion
E18 provides you with all information that E18 maintains about you such as the transaction and contact information upon proper verification. This may be provided to you on request, in case you experience any doubts. You may request access and/or correct the information E18 has collected from you by contacting E18 at email@example.com. If you wish to have the information or data that you have provided to E18 deleted, you can always do so by sending a request to us on the e-mail id. You may note that correction or deletion of certain information or data may lead to cancellation of your registration with the Application(s) or your access to certain features of the Application(s). You also agree and acknowledge that certain data or information cannot be corrected or deleted or prohibited to be deleted as required under any applicable law, law enforcement requests or under any judicial proceedings.
If you have questions or concerns about this Policy, please contact E18 at firstname.lastname@example.org
PRIVACY NOTICE FOR THE CREDIT INFORMATION SERVICE
1.1 This Privacy Notice (“Notice”) outlines Moneycontrol Dot Com India Limited’s (“Company”, “we”, or “us”) practices in relation to the storage, use, processing, and disclosure of Personal Information that you have chosen to share with us when you access or use the Credit Information services feature on the mobile application or https://www.moneycontrol.com/credit-score (the Credit Information services feature on the mobile application or https://www.moneycontrol.com/credit-score is referred to as the “Platform”).
1.2 The services we offer you on or through the Platform are referred to as “Services”. Please note that unless specifically defined in this Notice, capitalised terms shall have the same meaning ascribed to them in our Credit Information Services Terms and Conditions, available at http://www.moneycontrol.com/credit-score/terms-and-conditions/ (“Terms”) or the Policy. Please read this Notice in consonance with the Terms and the Policy. For the avoidance of doubt, please note that this Notice sets out the specific datasets we process when you access the Platform. Our processing activities in relation to other services offered by the Company and its affiliates are set out in the Policy.
1.3 At the Company, we are committed to protecting your Personal Information and respecting your privacy. Please read the following terms of the Notice carefully to understand our practices regarding your Personal Information and how we will treat it. This Notice sets out the basis on which any Personal Information we collect from you through the Platform, we collect about you, or that you provide to us, will be processed by us.
1.4 By providing us with the consent to process your Personal Information, you acknowledge that we will collect, store, use, and disclose your Personal Information through the Platform in accordance with this Notice.
2. THE DATA WE COLLECT ABOUT YOU
2.1 Please note that we only collect and process your Personal Information to provide you with the Services. Such Personal Information includes:
- (a) Identity Data: This includes your first and last name.
- (b) Contact Data: This includes your phone number and email address.
- (c) Technical Data: This includes your IP addresses, browser types and versions, time zone settings and locations, operating systems, and other technology on the devices you use to access the Platform.
- (d) Usage Data: This includes data on how you use the Platform such as the time you spend on the Platform or the date and time of your visit.
- (e) Credit Data: This includes Credit Information, Credit Information Report and/or Credit Score made available by Credit Information Companies.
- (f) Marketing Data: This includes marketing and communications data, including your preferences in receiving marketing from us and our third parties and your communication preferences.
2.2 We may also collect, use, and share aggregated data such as statistical or demographic data for any purpose. Aggregated data could be derived from your Personal Information but is not considered personal data or information under applicable laws.
3. HOW WE COLLECT YOUR DATA
3.1. We use different methods to collect and process Personal Information about you. This includes:
- (a) Information you provide us: This is the information you consent to give us or make available to us when you use the Services or when you correspond with us (for example through the Platform). It includes information you provide when you register to use the Services, use a Platform feature, share data through the Platform, or when you report a problem with the Platform and the Services. If you contact us, we will keep a record of the information shared during the correspondence.
- (b) Information we collect about you and your device: Each time you visit the Platform or use the Services, we will automatically collect Personal Information through the use of tools like cookies.
(c) Information we receive from other sources including third parties and publicly available sources:
- (i) We may receive Personal Information about you from various third parties and public sources including our analytics services providers, advertising networks, search information providers, credit information companies, and other publicly available sources.
- (ii) We will also collect Credit Data about you with your authorisation from third parties.
3.2. Please note that we do not have any control over Personal Information that you may choose to make publicly available or that is made available to us by third parties. For example, if you post reviews, comments, or messages on public sections of the Platform or on an application store (such as the Play Store), you do so at your own risk. We are not liable for third-party misuse of such data.
4. HOW WE USE YOUR DATA AND FOR WHAT PURPOSES
4.1 We will only use your Personal Information in accordance with the applicable law. Most commonly, we will use your Personal Information to provide you with the Services, or where we need to comply with a legal obligation.
4.2 You agree and acknowledge that by using the Services you authorize us, our associate partners, and affiliates to contact you via email, phone, or otherwise. This is to ensure that you are aware of all the features of the Services.
4.3 In general, we use your Personal Information for the following purposes and activities:
- • To provide you with the Services;
- • To manage our relationship with you, including notifying you of changes to any Services;
- • To administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations;
- • To deliver content to you;
- • To send you communication, including through WhatsApp business messages, in relation to your use of the Platform or Services;
- • To monitor trends so we can improve the Platform and Services;
- • To perform analytics and derive insights;
- • To improve our business and delivery models;
- • To perform our obligations that arise out of the arrangement we are about to enter or have entered with you;
- • To enforce our Terms;
- • To undertake marketing services, including sending you promotional messages;
- • To respond to court orders, establish or exercise our legal rights, or defend ourselves against legal claims;
- • To comply with the Reserve Bank of India’s norms;
- • To ensure compliance with applicable laws; and
- • To assist our partners, affiliates, and subsidiaries in providing products and services to you.
4.4 We will not share your Credit Data with third parties under any circumstance.
5. HOW WE SHARE YOUR PERSONAL INFORMATION
5.1 You agree and acknowledge that any and all information pertaining to you, whether or not you directly provide it to us (via the Services or otherwise), including but not limited to personal correspondence such as emails, instructions from you, etc., may be collected, compiled, and shared by us with third parties after obtaining your explicit consent, solely in order to render the Services to you, except where prohibited by applicable law or by credit information companies. This may include but not be limited to our storage providers, data analytics providers, consultants, lawyers, and auditors. We may also share this information with other entities in the Moneycontrol group in connection with the abovementioned purposes. If you fail to provide consent for sharing of such data when requested by us, we may not be able to perform our obligations under the arrangement we have with you or are trying to enter into with you. In this case, we may not be able to provide the Services to you.
6. YOUR RIGHTS IN RELATION TO YOUR INFORMATION
6.1 In addition to the rights detailed under the Policy, under certain circumstances you may also have the right to revoke or withdraw your consent to the processing of your Personal Information.
6.2 We will facilitate your request to exercise such rights subject to the provisions of applicable laws relating to the processing and storage of data. If you wish to exercise any of the rights set out above, please write an email to the Grievance Officer, whose details are mentioned in Section 13 of this Notice, providing in as much detail as possible, the right(s) you wish to exercise. Please also include a description of the Personal Information you believe we hold or process about you, so that we may be able to locate such Personal Information. In the event that we need additional information from you, our Grievance Officer will contact you further.
7. DATA SECURITY
7.1 We implement appropriate security measures to protect your Personal Information from unauthorised access and follow technology standards prescribed by applicable law.
8. DATA RETENTION
8.1 Your Personal Information will be stored and retained by us for a reasonable period after we accomplish the purpose for which it was collected, in accordance with applicable law. Please note that certain datasets may be subject to shorter retention periods as may be prescribed by applicable laws or credit information companies. In such cases, we shall comply with these requirements.
9. LINKS TO THIRD PARTY WEBSITES
9.1 The Services may, from time to time, contain services provided by or links to and from the websites of our partner networks, service providers, financial institutions, advertisers, and affiliates (“Third Party Services”). Please note that the Third Party Services that may be accessible through the Services are governed by their own privacy policies. We do not accept any responsibility or liability for the policies or for any Personal Information that may be collected through such Third Party Services. Please check their policies before you submit any Personal Information to such websites or use their services.
11. BUSINESS TRANSITIONS
11.1 You agree and acknowledge that in the event we go through a business transition, such as a merger, acquisition by another organisation, or sale of all or a portion of our assets, your Personal Information might be among the assets transferred.
12. CHANGES IN THIS NOTICE
12.1 We keep our Notice under regular review and may amend it from time to time, at our sole discretion.
12.2 The terms of this Notice may change and if it does, these changes will be posted on this page and, where appropriate, notified to you by email or phone number through SMS, in accordance with applicable law.
13. GRIEVANCE REDRESSAL
13.1 You may contact our Grievance Officer with any enquiry relating to this Notice or your Personal Information:
- Name: Ms. Divya Kartha
- Address: Empire Complex, 1st floor, 414, Senapati Bapat Marg, Lower Parel, Mumbai 400013
- Email address: email@example.com