Introduction

We believe that the establishment of trust and privacy is instrumental to the continued growth of the Internet. We also believe that the efficient collection, use and transfer of information serve to enhance the development of the Internet and electronic commerce, provided that such information is handled in a fair and responsible manner. Therefore, in order to inform you of our policies and activities with respect to the collection, use and transfer of personal data on the Internet, we are providing you with an electronic copy of this Policy. This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. We wish to help you make informed decisions, so please take a few moments to read the sections below and learn how we may use your personal information.

Definitions

The following words have the following meanings: "Terms" means these terms and conditions; "Product Provider" means any loans company, life office, broker and administration provider, operator of a collective investment scheme, fund manager, bank, building society or any other financial institution; "Us/Our" means Deccan Charters Limited "You" means the user of the website.

How we collect information about you

When you visit the website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.

If you open an account, we collect the following types of information from you:

• Contact information - your name, address, phone, email,PAN Card Number and other similar information
• Financial information
• Demand Draft Numbers/Bank account Numbers and other related information
• In case the transaction is made by any Credit /Debit Card or any such instrument/s information thereof shall be processed by using authorized payment Gateway mechanism

Before permitting you to use our online Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth or other information. We may also obtain information about you from third parties such as credit Agency and identity verification services.

When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.

Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.

How we protect and store personal information

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.

We store and process your personal information on our computers, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable central and state regulations. We authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

How we use the personal information we collect

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:

• provide the services and customer support you request
• process transactions and send notices about your transactions
• resolve disputes, collect fees, and troubleshoot problems
• prevent potentially prohibited or illegal activities, and enforce our User Agreement
• customize, measure, and improve our services and the content and layout of our website
• send you targeted marketing, service update notices, and promotional offers based on your communication preferences
• compare information for accuracy and verify it with third parties

Regardless, we will not disclose your credit card number or bank account number to anyone, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.

How we share personal information with other parties

We may share your Contact information only with:

• Service providers under contract who help with parts of our business operations; Our contracts dictate that these service providers only use your information in connection with the services
• Credit Agency to report outstanding negative balance accounts, as allowed by law
• Law enforcement, government officials, or other third parties when
• we are compelled to do so by a subpoena, court order or similar legal procedure
• we need to do so to comply with law
• we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement
• Other third parties with your consent or direction to do so

We will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.

Cookies and clicktrails

We may collect information through our website by using cookies and clicktrails. All information collected by means of cookies or clicktrails will be anonymised, aggregated and only used to develop and track traffic patterns and the volume of use of our websites. Sometimes cookies are used to assist you in reaching the appropriate information and to tailor your visit to your individual preferences. For example, a cookie can be used to remember your login information if you choose the "Remember me" option while signing in. If you do not want to receive a cookie from our website, you may set your browser to refuse cookies or to notify you when you receive a cookie, which you may then refuse upon such notice. However, refusing the cookies may prevent you from accessing some parts of the websites.

Business reorganisations

Like many organisations, we may reorganise our business operations around the world and or in India from time to time, whether by buying new businesses or selling or merging and / or de-merging existing businesses. This may involve us disclosing Certain Data /information to relavent persons. It is our practice to seek appropriate confidentiality protection for Data /information disclosed in these types of transactions.

Data security and integrity

We use various technological and procedural security measures in order to protect the information / Data we collect, use or transfer from loss, misuse, alteration or destruction. However, you should be aware that, due to the open and unsecured character of the Internet, we can not be responsible for the security of transmissions of such information / Data over the Internet.

Indemnity

In using this website, we require that you abide by these Terms. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms, you agree to indemnify us, on demand, for all costs and expenses, including legal fees, which arise out of your failure to abide by these Terms.

Our Rights

We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part of it without notice to you and we will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms without reference / notice / liability to you.

We reserve the right at any time to refuse to process a transaction for any reason. We will not be liable to you or any third party by reason of our failing to process a transaction.

Third Party Links

In the event that there are third party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites and are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site.

Miscellaneous

We shall not be liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control.

If any part of these Terms is found to be unenforceable as a matter of law, all other parts of these Terms shall not be affected and shall remain in force.

Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material except for the purpose of applying for shares or with our written consent.

These Terms shall be governed by and construed in accordance with Indian law and the Indian courts in Bangalore shall have jurisdiction over any disputes between us.