PRIVACY POLICY

INTRODUCTION:

Hereinafter referred to as “Money Bridge Financial Consultants/ we/ our”) acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) regarding privacy, confidentiality and security of personal information that resides with the Money Bridge Financial Consultants. Keeping personal information of customers secure and preventing any misuse thereof, is therefore, a top priority of Money Bridge Financial Consultants.

We state that Money Bridge Financial Consultants is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with applicable laws and regulations as well as the best industry practice to protect the confidentiality of your personal information and its transmission through our website.

This Privacy & Security Policy (hereinafter referred to as “Policy”) therefore, explains how we protect your personal information provided to us on our website i.e. www.mbfc.co.in (hereinafter referred to as “Website”) and how we use that information in connection with the service offered through the Website (hereinafter called as “Service“) and must be read in conjunction with our General Terms of Use.

This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000 and other applicable laws and regulations that require publishing of the privacy notice for collection, usage, storage, disclosure and transfer of sensitive personal data or information.

PERSONAL INFORMATION:

Personal Information (“PI”) means any information/ documents/ details that relates to a natural person, which either directly or indirectly in combination with other information available with Money Bridge Financial Consultants, can identify such person.

APPLICABILITY:

(i) This Policy applies to the PI such as details pertaining to your name, parentage, marital status, nationality, state/city of residence, residential address, e-mail address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, income proof, PAN, credit score, credit information report, e-KYC through UIDAI, Aadhaar based e-Sign and such other Know Your Customer (KYC) documents like address proof, identity proof, officially valid documents/details (OVDs) accepted for concluding a financial transaction, which may be shared/ uploaded by you, as and when you avail any products or use the Website and to which Money Bridge Financial Consultants may become privy to.

(ii) 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. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy.

(iii) Money Bridge Financial Consultants 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 e-mail (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.

WHAT PERSONAL INFORMATION ABOUT YOU WE GATHER:

The information we learn from customers helps us personalize and continually improve your experience at the Website.

Here are the types of information we gather:

• We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features.
• We receive and store certain types of information whenever you interact with us. For example, like, we use “cookies” and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. We may also receive/store information about your location and your mobile device, including a unique identifier for your device.
• We might receive information about you from other sources and add it to our account information.

How do We Use The Information:

Money Bridge Financial Consultants collects your information when you register for an account, when you use its products or services, visit its Website’s pages. When you register with the Website and sign in you are not anonymous to us. Also, you are asked for your contact number and other details during registration and may be sent SMS, electronic mails (“e-mails”) , notifications, Whatsapp messages about our services to your wireless device.

EXPRESS CONSENT:

(i) By making use of the Website, and furnishing your personal and contact details, you hereby agree that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that Money Bridge Financial Consultants or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that Money Bridge Financial Consultants may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize Money Bridge Financial Consultants and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode. You agree and authorize Money Bridge Financial Consultants to share your information with its group companies, vendors, service providers, business partners, agents and other third parties, in so far as required for marketing purposes/offering/cross-selling various other products and services and/or to provide you with various value-added services, in relation with the Services selected by you or generally otherwise. You agree to receive communications through emails, telephone, Whatsapp, SMS, or any other form of messaging/communication service from Money Bridge Financial Consultants or such third parties. You also agree that Money Bridge Financial Consultants reserves the right to make your details available to its partner banks/financial institutions or any such other third party and that you may be contacted by the partners and/or the third party for information through email, telephone, Whatsapp and/or SMS.

(ii) The usage of the Website may also require you to provide consent for keying in your Personal Information (“PI”) (including but not limited to any personal data or sensitive personal data as defined under applicable law) or to authorize Money Bridge Financial Consultants to derive your data/information from any other source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking know-your-customer (“KYC”) checks by Money Bridge Financial Consultants or any other third party and/or to process your application through this Website. Your PI may also be used or shared with third parties including but not limited to our vendors, service providers, credit information agencies, analytics and research partners, other banks or financial institutions, insurers or intermediaries or any other third party with the intent of making your experience on the Website better, faster and paperless and frictionless to the extent possible. Money Bridge Financial Consultants shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, Money Bridge Financial Consultants shall not be liable to you against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with your explicit consent.

(iii) You hereby authorize and expressly consent us to share your PI with third parties including but not limited to Credit Information Companies (“CIC”) to do an aggregate check of your credit profile for Money Bridge Financial Consultants to send you targeted communications and offers.

(iv) If you are no longer interested in sharing your PI, please e-mail your request at: privacy@mbfc.co.in 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 such purpose and usage. Hence, there will be no DNC / DND check required for the number you may have left on our Website. Such modes of contacting you may include sending SMSs and/ or telephonic calls.

(v) Money Bridge Financial Consultants reserves the right (and you expressly authorize Money Bridge Financial Consultants) to share or disclose your PI when Money Bridge Financial Consultants determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

CREDIT INFORMATION REPORT:

(i) Your Credit Information (credit score and credit information report) is procured through a ‘soft search’ of your credit records with Credit Information Companies “CICs” and Money Bridge Financial Consultants has no control over the content or accuracy of information provided in your credit information by CICs. Money Bridge Financial Consultants gets this information from CIC for and on your behalf only when you agree to appoint Money Bridge Financial Consultants as your lawfully appointed authorized agent/ representative for collecting your credit information from CICs. By consenting to use and avail your credit information report through Money Bridge Financial Consultants, you agree that Money Bridge Financial Consultants and CICs shall be entitled to rely on your authorization and consent granted by you to Money Bridge Financial Consultants.

(ii) Availing your credit information through Money Bridge Financial Consultants is subject to your passing of appropriate identity authentication for security and privacy purposes. Money Bridge Financial Consultants shall not notify you the reasons if you are unable to pass such identity authentications and not able to view and/or use your credit information.

(iii) Money Bridge Financial Consultants may analyze and profile your credit information in order to assist you in being better informed about, understand and manage your credit score/rating, identify and inform you of credit products that are likely to be suited to your circumstances, to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score and credit history etc. For more details please access Money Bridge Financial Consultants’ Terms of Service for Credit Information Report.

OPT-OUT:

In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested in the below table, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at privacy@mbfc@co.in from your email address registered at Money Bridge Financial Consultants. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s). The details to be submitted for opting-out shall be as below: