1.1 What is BankBazaar?
Your privacy is important to us. The domain name www.bankbazaar.sg (the “Website”), is an internet based portal, owned and operated by A&A Dukaan Financial Services Private Limited a company duly incorporated in India on February 7, 2008 under Companies Act 1956 through its subsidiary A&A Dukaan Financial Services ( Singapore) Pte Ltd (hereinafter referred to as “BankBazaar” or “Company” or “we” or “our” or “us”).
2.2 Personal Data may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.
3.1 Generally, the Company collects your Personal Data in the following ways:
3.2 Communications with you - You, while providing the details over the Website, including but not limited to your Personal Data as mentioned hereinabove, expressly consent to BankBazaar (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the Website, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by its partners on the Sites.
3.3 The usage of the Website may also require you to provide consent for keying in your Sensitive data (including but not limited to user ids and passwords), as may be necessary to process your application through the Website. Sensitive data keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you.
3.4 In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC check required for the number you have left on our Website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls.
3.5 When you browse the Website, you generally do so anonymously but please see the section below on cookies.
3.6 If you provide us with any Personal Data relating to a third party (e.g. information of spouse, children, parents, employees and/ or authorised representatives), by submitting such information to us, you represent to us that you have obtained the consent of the third party to you providing us with their Personal Data for the respective purposes.
3.7 You should ensure that all Personal Data submitted to us is complete, accurate, true and correct. Failure on your part to do so may result in our inability to provide you with products and services you have requested.
4.1 Generally, the Company collects, uses and discloses your Personal Data for the following purposes:
4.2 In addition, the Company may collect, use and disclose your Personal Data for the following purposes, depending on the nature of our relationship with you:
4.3 In addition, where permitted under the Act, the Company may also collect, use and disclose your Personal Data for the following purposes (which we may describe in our documents and agreements as “Additional Purposes” for the handling of Personal Data):
If you have provided your Singapore telephone number(s) and have indicated that you consent to receiving marketing or promotional information via your Singapore telephone number(s), then from time to time, the Company may contact you using such Singapore telephone number(s) (including via voice calls, sms, fax or any other means) with information about our products and services (including discounts and special offers).
In relation to particular products or services or in your interactions with us, we may also have specifically notified you of other purposes for which we collect, use or disclose your Personal Data. If so, then we will collect, use and disclose your Personal Data for these additional purposes as well, unless we have specifically notified you otherwise.
You hereby agree and understand that collection of your Personal Data by BankBazaar is not limited to facilitate the purchase of a single financial product. The purpose of such collection and retention of Personal Data is towards BankBazaar partnering/ assisting you in your financial portfolio throughout your lifespan. In order to assist you with other financial products in future we need to retain your data even after completion of the transaction. By filling in your Personal Data on our website, you expressly consent for the retention of the same. You may notify us anytime expressly asking to remove your Personal Data from our database to which we will duly honour such request.
5.1 The Company will take reasonable steps to protect your Personal Data against unauthorised disclosure. Subject to the provisions the Act, this Personal Data may be disclosed, for the purposes listed above (where applicable), to the following third parties, whether they are located overseas or in Singapore:
6.1 When you interact with us on the Website, we may collect or analyse anonymised information from which individuals cannot be identified (the “Aggregate Information”), such as number of users and their frequency of use, the number of page views (or page impressions) that occur on the Website and common entry and exit points into Website.
6.2 the Company uses “cookies”, where a small data file is sent to your browser to store and track Aggregate Information about you when you enter the Website. The cookie is used to track information such as the number of users and their frequency of use, profiles of users and their preferred sites.
6.3 the Company may use an independent company (the “Third Party Market Research Company”) to measure and analyse the internet usage across the Website. The Company uses the Third Party Market Research Company’s services to collect the following core information on the usage of the Website, including:
6.4 This information is aggregated by the Third Party Market Research Company and provided to the Company to assist in analysing the usage of the Website. Such data is also accessible by media organizations and research companies, for the purpose of conducting industry comparisons with other internet portals.
6.5 Pages on the Website may be coded with software which enables the Third Party Market Research Company to track visitors to the Website.
6.6 Should you wish to disable the cookies associated with these technologies, you may do so by changing the setting on your browser. However, you may not be able to enter certain part(s) of the Website.
6.7 Interest based Ads/communication: By filling in your data on Website you expressly agree for behavioural targeting/ re-targeting by the Company or any third party. Company may partner with a third party service provider to either display advertising on our Website or to manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on the Website and other Sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by notifying us. Your opting out under this provision shall not affect in any manner BankBazaar’s right to send you generic ads not based on behavioural targeting / re-targeting.
The Website may contain links to other websites operated by third parties, such as our business partners. We are not responsible for the privacy practices of websites operated by third parties that are linked to the Website. We encourage you to learn about the privacy policies of such third party websites. Some of these third party websites may be co-branded with our logo or trademark, even though they are not operated or maintained by us. Once you have left the Website, you should check the applicable terms, conditions and policies of the third party website to determine how they will handle any information they collect from you.
8.1 Should you wish to withdraw consent to use of your Personal Data or obtain access to or make corrections to your Personal Data records, please log in to the relevant account through which the Personal Data was provided, if any, failing which please contact the relevant Personal Data Protection Officer, contact details of which are found in the Personal Data Protection Statement or elsewhere on the Website.
8.2 Please note that if your Personal Data has been provided to us by a third party, you should contact such party directly to make any queries, feedback, and access and correction requests to the Company on your behalf.
8.3 Please note that if you withdraw your consent to any or all use of your Personal Data, depending on the nature of your request, the Company may not be in a position to continue to provide its products or services to you or administer any contractual relationship in place, and this may also result in the termination of any agreements with the Company and your being in breach of your contractual obligations or undertakings, and the Company’s legal rights and remedies in such event are expressly reserved.
8.4 You can contact at the below address in case of any query, concern or request:
A&A Dukaan Financial Services (Singapore) Pte. Ltd.
80 Robinson Road
Email id: firstname.lastname@example.org
10.1 We follow generally accepted standards to protect the Personal Data submitted to us. Since no method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at email@example.com.
10.2 We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect BankBazaar online accounts and systems from unauthorized access.
10.3 When you register for the Service, BankBazaar requires a password from you for your privacy and security. BankBazaar transmits information such as your Registration Information for Website or Account Credentials securely.
10.4 Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card and biometrics recognition procedures.
10.5 Our databases are protected from general employee access. We encrypt your Service password so that your password cannot be recovered by anyone including us. All backup drives and tapes also are encrypted.