Privacy Policy

Protecting your privacy is very important to us. We have accordingly developed this Privacy Policy to protect your personal information and keep it confidential. We do everything we reasonably can to protect your rights of privacy on systems and the Website controlled by us, but we are not liable for any unauthorized or unlawful disclosures of your personal and confidential information made by third parties who are not subject to our control, for example advertisers and websites that have links to our Website.

You should take note that the information and privacy practices of our business partners, advertisers, sponsors or other sites to which we provide hyperlinks, may be different from ours. Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically.

We categorize information about you (collectively referred to as "Personal Information") as follows:

• (a) Profiling Information: Information which you provide when you register for a Service, including personal identity (gender, marital status, age, preferences), financial information (banking details, income and lifestyle levels), contact details (addresses, phone/fax numbers). For Facebook-aligned services (if opted in), publicly available information of your friends, their likes and dislikes, etc.
• (b) Payment and Account Information: Your account history with us including billing information, communications, and payment history. We maintain this in encrypted form on secure servers.
• (c) Service Usage: Information about your navigation using our Services, for example the URLs of websites you visit and from which you request downloads.
• (d) Log Information: Web request, IP address, browser type, browser language, date and time of request.
• (e) Transactional Information: Transactional history (other than banking details) about your e-commerce activities.
• (f) Correspondence Information: Content and information about correspondents and destination/origin of communications using our Services, including email, blog, chat, discussion boards, instant messages, forums, fax, and mailing lists.
• (g) User IDs: Your usernames, passwords, email addresses and other security-related information used in relation to our Services.
• (h) Stored Information: Data created by you or by a third party which you wish to store on our servers such as image files, documents etc.

We only collect your Personal Information to conduct our business and to enable us to deliver and improve our Services. We do not for any reason whatsoever sell your Personal Information to any third party or otherwise trade on it.

We will only disclose your Personal Information in accordance with this Privacy Policy. If we want to use it for any other purpose, we will obtain your prior written consent. If you decline to submit personal information to us, we will unfortunately not be in a position to provide the Services to you.

Any information you provide when using certain Services in an open, public environment or forum (including blogs, community boards, discussion boards) is not confidential, does not constitute Personal Information, and is not subject to protection under this Privacy Policy. You should be careful when deciding to share any Personal Information in such public environments. You disclose information in a public environment at your own risk.

By accepting the Terms of Service you agree that we may collect and store your Personal Information as long as you use our Services subject to the limitations set out in this Privacy Policy.

1. Profiling and Account Information

• (a) We need your identity, contact, banking and account history to manage our relationship with you and provide Services. We may use this to suggest products, promotional offers, and schemes.
• (b) We use certain information in aggregated form to compile statistical and demographical profiles for business and marketing activities. We may disclose such information in aggregated form only.

2. Service Usage and Transactional Information

• (a) Determine and verify Service Charges payable by you.
• (b) Comply with any statutory or regulatory requirement.
• (c) Compile statistical and demographical profiles for business and marketing activities and to customize our Services.
• (d) Monitor your use of our Services to ensure compliance with our Terms of Service.

3. Correspondence Information and Personal Identifiers

• (a) Comply with our obligations under law.
• (b) Monitor your use of our Services to ensure compliance with our Terms of Service.

Any Personal Information we collect and may use in an aggregated format ensuring you are not individually identified is our property. We may use it in our sole discretion and without any compensation to you, for any legitimate purpose.

Sometimes we use "cookies" so we can provide you with more customized information when you return to our website. Cookies store user preferences and track user trends to enhance your interactive experience. You can set your browser to notify you when a cookie is sent. If you accept a cookie, you agree to our use of any Personal Information collected using that cookie.

You may update your Profiling Information at any time on the website. You acknowledge that in the interests of improving personalization and Service efficiency, we may share your Personal Information with our affiliates under controlled and secure circumstances.

If we are required to intercept, disclose, monitor and/or store your Personal Information: (a) by law; (b) to conduct our business; (c) to secure our systems; or (d) to enforce our own rights, we will do so in the manner as prescribed by law.

Such interception, disclosure, monitoring and storage may take place without your knowledge, and we will not be liable to you or any third party for any damages arising from such actions.

To ensure security and integrity of our Services, we may monitor your Personal Information. This monitoring may include filtering electronic messages to identify, limit and/or prevent transmission of spam, viruses, and/or unlawful, defamatory, obscene or otherwise undesirable material.

We may procure elements of our Services from third-party service providers. To the extent necessary, and solely for providing the Service to you, you agree that we may disclose to such third party any Personal Information necessary for the procurement of services.