Pebble Media Inc. (“Company”), its subsidiaries and affiliates is the author and publisher of the internet resource www.MoneyInsider.in (“Website”) and any other domains created from time to time (“Domains”), as well as the software and applications, if any, provided by the Company, including but not limited to the mobile or computer applications, if any (“Applications”), hereinafter referred to as ‘Company’, ‘we’, ‘us’ or ‘our’ is committed to respect your privacy and choices (together with the Websites, Domains, Applications referred to as the “Services”). This Privacy Policy highlights our privacy practices regarding Personal Information that we collect and store through the Website, for the Personal Information that you provide us while interacting with us on our Website and for the Personal Information while using or accessing the Services. Personal Information means any information, data, details, records that relate to and can be used to identify, recognize, locate or contact a natural person or individual either directly or indirectly in combination with other information.
This document is an electronic record under Information Technology Act, 2000 and rules thereunder as applicable and is generated by a computer system and does not require any physical or digital signatures. This document is published and shall be construed in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of Website.
For the purposes of this Privacy Policy, ‘Personal Information’ or ‘Personal Data’ is any data which relates to an individual who may be identified from that data, or from a combination of a set of data, and other information which is in possession of the Company. Personal Information includes any information, data, details, records that relate to and can be used to identify, recognize, locate or contact a natural person or individual either directly or indirectly in combination with other information.
In general, you may browse our or use or access the Services without providing any Personal Information about yourself. However, we collect certain information such as:
We use your Personal Data only in accordance with this Privacy Policy and for the following purposes:
You may be required to provide valid contact details such as contact number, email address or residential address to us. We may communicate with You by e-mail, SMS, WhatsApp, phone call or by posting notices on the Website or by any other mode of communication. For contractual purposes, you consent to receive communications (including transactional, promotional and/or commercial messages), from Us with respect to Your use of the Services. You also agree that the Company reserves the right to make your details available to its vendors, service providers, business partners, agents or any other third party and that you may be contacted by such parties in relation to the services offered through the Website. You specifically understand and agree that by using the Website you authorize the Company, its vendors, service providers, business partners, agents or any other third party to contact you for any follow up calls in relation to the services provided through the Website and for offering or inviting your interest in availing any other product or service offered by the Company or such third parties. You agree and consent to receive communications from the Company or such third parties.
We process your Personal Data when it is in the legitimate interests of the Company in connection with marketing, sales, promotion of Services which we provide, or which are procured using our Services and to improve and enhance the range of those Services. We process your Personal Data in the following circumstances:
We share your Personal Data within:
The following applies only where the data controller processing your Personal Data is domiciled in the European Economic Area (“EEA”).
We transfer Personal Data to countries outside the EEA to third parties, including to countries which have different data protection standards to those which apply in the EEA. Where service providers process your Personal Data in countries deemed adequate by the European Commission, we rely on the European Commission’s decision to protect your Personal Data.
For transfers to Company group companies and service providers outside the EEA, we use standard contractual clauses or rely on controller-processor contracts entered in to with the
service providers.
We may share your information, including Personal Information and sensitive Personal Information to our partners, service providers, vendors, sponsors, marketing partners, third parties, agents, employees, payment aggregators, banks, financial institutions such as NBFCs, lenders, credit agencies, credit information companies (CICs), or our group companies or affiliates or any other parties which whom the Company has tie-ups in relation to provide any services or ancillary services on a need-to-know basis for the purposes mentioned in this Privacy Policy and you hereby consent to the same. We will not sell or rent or otherwise disclose your information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy.
The Company expects these third parties to manage and handle your information using the same level of care and with the confidentiality obligations as of the Company. There are also several products and services offered by certain third parties through the Website such as loan facilities. If you elect to avail these third-party services, you may be required to disclose to them or grant them access to your personal information. In such cases, their use of your information shall be governed in accordance with their terms and privacy policy. Company shall not be liable for any use or access of your information by third parties, providing services through the Website. We recommend you read, understand and evaluate the privacy policies and procedures of these external services providers before deciding to use their services.
We may also share your information, without obtaining your prior written consent, with judicial authorities, administrative bodies or government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, by any order or decree of such authorities under applicable law.
In case of any restructuring or reorganization of the Company, Company may also share, and/or transfer your Personal Information to any successor-in-interest as a result of change in ownership and control due to reasons such as merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity.
We limit the collection and use of your personal information. We may process and disclose the Personal Information in a non-personally identifiable manner. Such information does not identify you individually. To the extent reasonably possible, we would restrict access to your account information and any other personal identifiably information and use it only for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services.
This explains what cookies are, the different types of cookies, how we use them and most importantly how to control your cookies. By continuing to use our Services, you are agreeing to the use of cookies and similar technologies for the purposes described here.
Our Services use cookies to improve your online experience. “Cookies” are small pieces of information sent by an organization to your computer and stored on your hard drive to allow the Websites to recognize you when you visit. They collect statistical data about your browsing actions and patterns and do not identify you as an individual. This helps us improve our Services and deliver a more personalized service.
We use both session cookies and persistent cookies. A session cookie is only stored on your device during a single visit to the Site (“browser session”) and is deleted when you close your browser to end the session. We use session cookies to make it easier for you to navigate our Services.
A persistent cookie remains on your hard drive for an extended period. We use persistent cookies to remember you, so you don’t have to log in every time you use our Services. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our Services.
Our Services gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp. This information is used to administer and improve performance, diagnose server problems, and to help ensure the security of our Services.
Our Services may include social media features, such as the Facebook Like button and widgets, such as a “Share” button. These features may collect information such as your IP address, which page you are visiting on our Services and may set a cookie to function properly.
Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policy of the
company providing it.
We may allow other companies or entities to serve advertisements to you. These companies or entities include third party advertisement servers, advertisement agencies, and advertisement technology vendors. We may target some advertisements to you that fit a certain general profile. In the course of serving advertisements or optimizing the services to its Users, we may allow authorised third parties to place or recognize a unique cookie on the User’s browser.
HOW TO OPT-OUT
We suggest you accept all cookies from our Website, Applications, or Services to get all the benefits outlined above.
You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. Unless you have adjusted your browser settings, our system will issue cookies as soon as you visit our Websites, Applications or Services.
If you reject cookies, you may still use our Services, but your ability to use some areas of our Services, will be limited.
Subject to the local legal requirements, you have the right to access, correct, delete or transfer your Personal Data that we hold, including your profile and preferences. You also have the right to object to certain processing and, where we have asked for your consent to process your Personal Data, to withdraw this consent. Where we process your Personal Data because we have a legitimate interest in doing so (as explained above), you also have a right to object to this. These rights may be limited in some situations – for example, where we can demonstrate that we have a legal requirement to process your Personal Data. Specifically, in certain circumstances, you have the following Personal Data protection rights:
However, in the case of you withdrawing such consent, Company shall have the option to stop
providing you the Services for which the information was sought. You will not be eligible for a refund of any fees paid for any service in such event and you agree that the Website shall not be liable to you for the same in any manner whatsoever.
We take every reasonable step to ensure that your Personal Information that we process is accurate and, where necessary, kept up to date, and any of your Personal Information that we process that you inform us is inaccurate (having regard to the purposes for which they are processed) is erased or rectified. You may access, correct, and update your Personal Information by logging into our account on the Website. You can assert your rights in this section by contacting us at info@moneyinsider.in. Please note that we may ask you to verify your identity before responding to such requests. Additionally, the Company would require reasonable time to act upon such requests. Please note, however, that withdrawal of consent will not be retroactive and will be in accordance with the terms of this Privacy Policy, related Terms of Use and applicable laws. In the event you withdraw consent given to us under this Privacy Policy, such withdrawal may hamper your access to the Services or restrict provision of our services to you for which we consider that information to be necessary.
The Company intends to protect your Personal Data and to maintain its accuracy, and we implement reasonable administrative, physical security, and technical controls in order to safeguard your Personal Data from unauthorised access, use and disclosure. However, we do not guarantee absolute security of your Personal Information. We adopt industry standard security measures and keep updating our systems from time to time to protect your Personal Information against any hacking or virus dissemination. However, by using the Services, the users accept the security implications of data transmission over the internet and the World Wide Web which cannot always be guaranteed as completely secure, and therefore, there would always remain certain inherent risks regarding use of the Services. Users are responsible for ensuring the protection of login and password records for their account. Your User account with the Website shall be created based on the details for registration provided by You. You shall solely be responsible to maintain the confidentiality of Your User account, passwords, details of transactions concluded through the User account, payment details, transaction history etc. The Company shall not be liable for any loss or damage arising, directly or indirectly, out of Your failure to comply with the confidentiality obligations stated herein. You shall be responsible for any loss incurred by the Company or any third party, due to Your breach of obligations, non-performance or negligence in performing Your obligations, Your unauthorized or illegal use of the Website or Your failure to keep secure and confidential all information related to Your User account on the Website.
Personal Data will not be retained for a period more than necessary to fulfil the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or for directly related legitimate business purposes. Such purposes may include without limitation i) any ongoing services availed through the Website, ii) any investigations and inquires under law,
or iii) any contractual arrangements between the parties.
We may keep records of all communications, both voice telephone calls and non-voice digital chats and emails received from and made to Users for the purpose of administration of services, research and development, training, business intelligence, business development, or for User administration. We may share such telephone records with third parties when required by law or when required to provide or facilitate the User with the Services.
The Company provides links to third-party websites and services. However, the Company is not responsible for the privacy statements, practices, or the contents of such third-party websites.
If you have any questions regarding our privacy practices or this Privacy Policy, please contact
us at info@moneyinsider.in
Alternately you can write to us at:
Name: Shankar Roy
Designation: Finance & Compliance Manager
Address: A/120, Lake Gardens, Kolkata 700045, India
The Company may change the data privacy practices and update this Privacy Policy as and when the need arises and without an obligation to notify you, and the same will be made available on the Websites, Applications or Services.