Privacy Commitment

vi. to track your activity on our digital platforms;
vii. to create an individual profile for you so that we can understand and respect your preferences;
viii. to personalize and improve your experience on our digital platforms and allow you to utilize digital
platforms’ features by granting KFPL access to information from your device;
ix. to personalize and/ tailor any communications that we may send you;
x. for profiling purposes to enable us to personalize and/or tailor any marketing communications that
you may consent to receive from us;
xi. to inform you about important details like KFPL digital platforms, change in terms,
conditions and policies and /or other administrative information important to meet your interests;
xii. to address your requests and queries and manage your relationship with Tata Capital;
xiii. to access your eligibility for our products or services and provide you with such products or services
which you may have shown interest in or requested for;
xiv. to perform activities such as data analysis, audits, usage trends to determine the effectiveness of
KFPL campaigns and as input into improving products and services;
xv. for security and business continuity and risk management;
xvi. for system or product development and planning, audit and administrative purposes;
xvii. to meet the legitimate interests to be pursued by KFPL or by a third party.
F. When you sign up with us for an online account, register to receive marketing communications from
us, fill in one of our forms (whether online or offline), contact us or otherwise expressly provide us with
your personal data, we may collect and store any personal data that you provide to us and may use it
to personalize and improve your experience on our digital platforms, provide products and services you
request from us, and carry out profiling and market research.
G. We may also infer your country of location from the IP address you have used to access our digital
platforms and we may analyze which marketing activity led to your taking specific action on our digital
platforms (e.g. downloading the app).
2 OFFERS AND OPPORTUNTIES FROM US AND OUR PARTNERS
We want you to be the first to know about new products and services, and occasional offers from our
partners. We may share these offers with you only with your prior consent. You can unsubscribe from
receiving these offers by emailing us. Please note, if you don’t choose to receive this information, we will
be unable to keep you informed of new services, products, events or special offers that may interest you.
3 WHY DO WE PROCESS YOUR INFORMATION?
A. We may process your personal data for legitimate interests, including providing you with services and
for service improvement purposes.
B. It may be deemed necessary to process personal data for the following purposes of legitimate interests
by us such as :
i. To deliver services in respect to requests raised by you.
ii. To ensure continued relationship with our customers, partners or suppliers.
iii. To prevent misuse or fraudulent activities on our platforms.
iv. To uphold performance of contracts with us.
v. Protecting our interests.
vi. To maintain compliance with legal obligations.
C. KFPL takes special consideration to ensure that the legitimate processing of data do not override the
fundamental rights and freedoms of the User.
4 WHOM DO WE SHARE YOUR PERSONAL DATA WITH?
A. Under certain conditions KFPL may share your information with third parties including but not limited
to its group companies, vendors, service providers, data processors, banks, financial institutions,
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credit bureaus, telecommunication companies, statutory bodies etc. for customer verification,
personalization of products and services, credit rating, data enrichment, marketing or promotion of the
products or services of KFPL or of any other service provider. KFPL may use the personal data to improve
its services to you and to keep you updated about its new products or other information that may be
of interest to you.
B. KFPL may share information in the course of normal business operations, such as providing services you
have subscribed for, and any activity related to these services such as collection of fees. It may become
necessary for KFPL to disclose your personal data to its agents and contractors in the course of normal
business operations for the above referred purpose. However, these parties would be required to use
the information obtained from KFPL for such purposes exclusively. KFPL will endeavor to take all
reasonable steps to ensure that the confidentiality of your information is maintained by third parties to
whom it discloses such information. KFPLmay be required to disclose your personal data to the
statutory authorities in connection with any legal process that may be initiated by such authorities in
accordance with applicable laws.
C. KFPL may occasionally invite selected third parties to participate in offers we feel would be attractive
to customers of Tata Capital. KFPL may also share your information to provide you with superior
services and a range of offers. KFPL may use this information to advise you of products, services and
other marketing materials, which we think, may be of interest to you. KFPL may also invite visitors to
this site to participate in market research and surveys and other similar activities. KFPL reserve the right
to communicate your personal information to any third party that makes a legally compliant request
for disclosure.
5 HOW LONG DO WE RETAIN YOUR PERSONAL DATA?
A. You are responsible for providing KFPL with accurate and complete personal data. Please notify us of
any changes to your personal data. KFPL shall take reasonable steps to ensure that your personal data
is kept accurate, complete, and current.
B. KFPL shall not retain such Information longer than permissible. Such information however may be
retained for a longer period where we need the information for legal, regulatory, accounting or other
legitimate purposes which may include but not be limited to filing/ addressing complaints, responding
to any queries raised by any of our regulators/ customers/ governmental bodies, any legal claims etc.
To determine the appropriate retention period for personal data, KFPL considers the amount, nature
and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of
your personal data, the purposes for which it processes your personal data and whether it can achieve
those purposes through other means, and the applicable legal requirements. In some circumstances
KFPL may anonymize your personal data so that it can no longer be associated with you and use such
information.
C. KFPL only collects data from Users in accordance with the consents obtained from such Users and after
informing them about the consequences of refusing to provide personal data or withdrawing consent
for the identified purposes and maintains a record of such consents. This Privacy Commitment also
covers the terms of the consents granted by you to KFPL for the information submitted by you. All
information provided by you is purely voluntary and optional and you may choose not to provide the
information. You may also withdraw your consent to collect/ provide/share/process the information by
communicating to the email id given below in writing. However, in any of the above cases (i) you may
not be able to access some of the features or pages of the digital platform/ applications (ii) you may not
be able to avail some or all of our products or services or if you have already availed, such products or
services may be withdrawn, curtailed or cancelled as per the terms thereof. In some cases, it is essential
for the information to be collected/retained/stored/processed/shared either regulatorily, or as a
matter of policy or for any of the purposes above and you are requested not to avail the products or
services if you do not wish to
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provide the information or provide consent to collect/share/process the same since it may not be
possible to delete/purge/return such information if you choose to withdraw consent. For any queries
in this regard, you may contact the email ids mentioned later in this document.
D. KFPL ensures that an appropriate data privacy commitment is provided to the Users at the time or
before collecting their personal data including Sensitive Personal Data either by the terms of this Privacy
Commitment or otherwise.
6 HOW DO WE SAFEGUARD YOUR PERSONAL DATA?
A. KFPL has put in place procedures to deal with any suspected data security breach and will comply with
the legal requirements in this regard. KFPL is strongly committed to protecting the privacy of its Users
and has taken all necessary and reasonable measures to protect the confidentiality of the customer
information and its transmission through the world wide web and it shall not be held liable for
disclosure of the confidential information when in accordance with its privacy policy or in terms of the
agreements, if any, with the customers. KFPL uses procedural and technical safeguards to secure your
information from unauthorized access and use, alteration and destruction. In addition, access to your
personal data is limited to only those employees, agents, contractors and other third parties who have
a need to know. They will only process your personal data on KFPL instructions, and they are subject to
a duty of confidentiality.
B. In addition, like most platforms, KFPL uses small bits of data called “Cookies” stored on User’s
computers to stimulate a continuous connection. “Cookies” let KFPL store information about your
preferences and passwords and allow you to move to different pages of our secure site without having
to re-enter your password information. Any information collected is stored in secure databases
protected via a variety of access controls and is treated as confidential information by Tata Capital.
Therefore, you should be careful with usage of the username and password by maintaining
confidentiality and ensure that you do not knowingly or accidentally share, provide and facilitate
unauthorized use of it.
C. KFPL will protect your personal data against unauthorized use, dissemination or publication in the same
manner in which KFPL would protect its confidential information of like nature.
7 CHANGES TO OUR PRIVACY COMMITMENT
We may change our Privacy Commitment from time to time and post the updated version of the same. We
encourage you to visit frequently to stay informed about how we use your personal data.
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8 PROHIBITED ACTIONS
While visiting or using our application or digital platform, you agree not to, by any means (including
hacking, cracking or defacing any portion of the website/applications/portals/platforms) indulge in illegal
or unauthorized activities including the following:
i. Restrict or inhibit any authorized user from using application or digital platform
ii. Use the application or digital platform for unlawful purposes
iii. Harvest or collect information about application or digital platform’s users without their express
consent
iv. “Frame” or “mirror” any part of the application or digital platform without our prior authorization
v. Engage in spamming or flooding
vi. Transmit any software or other materials that contain any virus, time bomb, or other harmful or
disruptive component
vii. Remove any copyright, trademark or other proprietary rights notices contained in the application or
digital platform
viii. Use any device, application or process to retrieve, index, “data mine” or in any way reproduce or
circumvent the navigational structure or presentation of the application or digital platform
ix. Permit or help anyone without access to the application or digital platform to use the application or
digital platform through your username and password or otherwise.
9 HANDLING PRIVACY CONCERNS
If you have any questions about this Privacy Commitment or if you believe that your personal data is not
handled in accordance with the applicable law or this document, then you may contact us as at
[email protected]:
10 Governing Law and Jurisdiction
This Privacy Commitment shall be governed by the laws of India and the Courts of Mumbai (India) shall
have the exclusive jurisdiction to try any dispute arising thereof.