This policy is applicable to all the existing customers, prospect customers and persons (“User”) who visit the office/branch and/or any ‘Digital Property’ belonging to Aar Shyam India Investment Company Ltd. (“Aar Shyam” or “Gurus Capital”).
The reference drawn to the term Digital Property would mean and include website, mobile application and/or any other electronic application.
Your valuable consent:
This Privacy Policy explains about the type of information of the User that GURUS CAPITAL collects, its purpose, its salient features etc. as detailed below. By using our website/application and by availing various products/services from GURUS CAPITAL, User consents to the terms of this Privacy policy (“Privacy Policy”) in addition to the terms of use of mobile application, website and product documents.
We encourage User to read this Privacy Policy regarding the collection, use, and disclosure of information of User from time to time to keep itself updated with the changes & updated that we make to this Policy.
Types of information:
This policy is applicable to any ‘information’ that is collected:
By GURUS CAPITAL and which is in the nature of personal / sensitive personal information/demographic information of the User provided to GURUS CAPITAL online or offline ( i.e. Name, age, date of birth, gender, address, mobile number, email id, PAN number, photograph/image, KYC documents provided by customer or collected from CKYC registry/Aadhar Authority/Digi locker, bank account details, credit scores, GST details, provident fund account details, financial details, employment details, assets and liabilities information etc provided to GURUS CAPITAL through mobile application, website and/or at the time of availing various financial products/services).
by GURUS CAPITAL server from User’s browser, mobile app or mobile device, including cookies etc.,
by GURUS CAPITAL, which may or may not be personally identifiable and/or traffic information; and
by GURUS CAPITAL, its dealers, agents/agencies, including the server from the User’s browser mobile app or mobile device.
By GURUS CAPITAL, which are collected with consent of User by reading the SMS and email regarding billers, bill reminders and bill payment confirmations to identify the billers that User interacts with (“Relevant Billers”) or for facilitating auto read OTP. For brevity sake, the above types of information is collectively referred as “Information” in this Policy.
Purpose
Information collected from User may be used by GURUS CAPITAL for the following listed
“Purposes”:
to provide the User with the services incidental and/or ancillary to the business of GURUS CAPITAL;
to promote the products/services of GURUS CAPITAL;
for evaluation of the existing GURUS CAPITAL products/services, and/or develop products/services;
to render service to User and/or to enhance / improvise the Products/Services.
to comply with Applicable Laws / regulations, from time to time, including but not limited to credit reporting;
to the extent permitted by the terms of an agreement/ Applicable Law / regulations, share or process User’s information in connection with the products / services provided by GURUS CAPITAL, and/or any third party.
Salient Features:
GURUS CAPITAL respects the privacy of User in accordance with prevailing Law/regulation that governs privacy and always strives to uphold the standards in protecting the same.
Excepting with its affiliates, the Information shall not be shared with any external organisation unless the same is necessary to enable GURUS CAPITAL to provide you services, meet legal and/or regulatory compliance requirement and/or to enable the completion of a transaction, rendition of services, pursuant to applicable norms/process or pursuant to the terms and conditions applicable to such Information as agreed with GURUS CAPITAL.
GURUS CAPITAL may use the Information to enhance the User’s experience and may make subsequent offers to the User about its products/services.
Cookies
Cookies are small data files that a website stores on your computer/electronic device. While cookies have unique identification nos., personal information (name, a/c no, contact nos. etc) SHALL NOT be stored on the cookies.
GURUS CAPITAL may:
use persistent cookies which are permanently placed on User’s computer to store non-personal (Browser, ISP, OS, Clickstream information etc) and profiling information (age, gender, income etc);
use Information stored in the cookies to improve User experience by throwing up relevant content where possible;
use the cookies to store User preferences to ease User’s navigation on the website/electronic/mobile application.
Data Governance and trainings
Securing User’s Information is of paramount importance to GURUS CAPITAL. Following are some of the initiatives by GURUS CAPITAL to security privacy of the User’s Information:
GURUS CAPITAL has reasonable management, technical and administrative measures in place to protect Information within GURUS CAPITAL.
The Information Security & Compliance team in GURUS CAPITAL is managed by expert Information Security executives.
Dedicated Cyber Risk Framework has been established to tackle cyber threats, if any.
Sound technical controls around Information and underlying systems are in place.
GURUS CAPITAL adheres to multiple regulatory and statutory requirements like RBI’s Master Direction for NBFC, Guidelines for Prepaid payment instruments, NPCI guidelines for Data localization, KYC Master Direction etc. to name a few.
GURUS CAPITAL conducts periodic internal and external audits of its systems.
Updates on information security position is updated at regular intervals to Board members, senior management of GURUS CAPITAL as well as Risk Management Committee.
In all contractual arrangements, we require GURUS CAPITAL employees, third party agencies/service providers to comply with appropriate compliance standards including obligations to protect any information and applying appropriate measures for the use and transfer of information. Staff also undergo mandatory information security awareness training annually once and at the time of joining.
Any acts involving (i) unauthorized usage/ sharing of Information, (ii) breach of security procedures; (iii) usage of Information for unlawful gain (iv) breach of IT policy/procedure; and (v) breach of confidentiality as per employment terms and/or Code of Conduct, shall warrant appropriate disciplinary action as per Company’s Policy.
Service Providers
We may employ third-party service providers and individuals due to the following reasons (not exhaustive):
To facilitate GURUS CAPITAL’s products/ services;
To provide the service on behalf of GURUS CAPITAL;
To perform any ancillary service related to products/services of GURUS CAPITAL and/or its Affiliate;
To assist GURUS CAPITAL in analyzing how the services are used; and
To assist GURUS CAPITAL and/or its Affiliate in evaluating and improvising the service standards.
User is hereby informed that the third-party service provider/agent/agencies will have access to your Information PURELY on a need to know basis to assist GURUS CAPITAL in rendering service and are restricted from using the same for any other reason. The third-party service provider is STRICTLY obligated not to disclose or use the Information for any other purpose.
Security
We value User’s trust in providing Information with GURUS CAPITAL. Hence, GURUS CAPITAL continuously strives to use commercially reasonable efforts in protecting such Information. But, remember that no method of transmission, whether in physical form or over the internet, or method of electronic storage is 100% secure and may be subjected to unintentional risks, due to reasons beyond the control of GURUS CAPITAL.
Responsibility of User
User acknowledges the following:
GURUS CAPITAL and/or its employees /assigns will not contact the User directly for disclosure of any sensitive and personal information unless required for the above mentioned Purposes. Hence, User is solely responsible to exercise proper due-diligence to verify the identity of the individual(s) contacting before disclosing any personal and sensitive personal data/ information by reaching out to the GURUS CAPITAL’s nearest branch or GURUS CAPITAL’s official customer care number accessible on its website before making any disclosure.
GURUS CAPITAL will not be liable / responsible for any breach of privacy owing to User’s negligence.
User shall only use the official website/links of GURUS CAPITAL for availing product/services by inputting the domain information on the address bar.
User is completely aware about the potential risk of data/privacy breach and User shall be solely liable for any unauthorized disclosure/ breach personal/ sensitive personal information etc. and any direct/ indirect loss suffered by User due to User’s conduct. Hence, User shall exercise utmost caution to ensure that User’s personal data/ Sensitive personal data (including but not limited to any Passwords, financial information, account details, etc.) are not shared/stored/made accessible through: any physical means with or without User’s knowledge (disclosure to any person/third-party etc.) or through any electronic means, by exercising the following precautions/ safety measures:
User shall always check if “https” appears in any website’s address bar before making any online transaction, to ensure that the webpage is encrypted;
User shall avoid using third- party extensions, plug-ins or add-ons on the/your web browser, as it may result in the risk of tracking or stealing of User’s personal details;
User shall always type the information and not use the auto-fill option on web-browser and mobile apps to prevent the risk of storage of my personal/ sensitive personal information;
User shall NOT access darknet, unauthorized/ suspicious website, suspicious online platforms or links, downloading information from unreliable sources;
User shall ensure to disable cookies before accessing any domain/website, to ensure that User’s personal information is not tracked by any third-party, unless otherwise consciously permitted by User by accepting the same, for which, User alone will be responsible for the consequences thereof;
User shall not respond to any generic emails from an unknown/ unidentified source;
User shall check the Privacy Policy of website/ application to know the type of information that may be collected from User and the manner in which it may be processed by the website/ application before accepting/ proceeding/ transaction on any website/ application;
User shall always verify and install authentic web/mobile applications from reliable source on User’s computer/Laptop/tab/ipad/ smart phone or any other electronic device;
User shall NOT access any unidentified weblinks, bitly link or any other electronic links shared over electronic platform (such as email, sms, social media, websites);
Retention & Deletion of Information:
GURUS CAPITAL may retain User’s Information if it is required to provide services or as long as it is required for business purpose. Retention of Information will be as per applicable law/regulatory requirements in India. Information may be retained for an extended period (i) in case of requirement of any investigations under law or as part of any requirement before Courts/Tribunals/Forums/Commissions etc and (ii) to enhance / improvise the products /services of GURUS CAPITAL.
GURUS CAPITAL shall erase personal data, upon the user withdraw its consent or as soon as it is reasonable to assume that the specified purpose is no longer being served.
Website & links to Other Sites
GURUS CAPITAL’s website/ electronic/mobile application may contain links to other sites. If User clicks on a third-party link, User may be directed to that site. It may be noted that such external sites are not operated by GURUS CAPITAL and is beyond the control of GURUS CAPITAL. Therefore, GURUS CAPITAL strongly advises the User to review the privacy terms/policy of such external websites/electronic applications. GURUS CAPITAL has no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Amendment of Privacy Policy
GURUS CAPITAL may amend/update the Privacy Policy from time to time as required under law. Thus, User is advised to review this page periodically for any changes, since any such changes will be effective immediately after they are updated/posted on this page.
Contact us:
In case if you may want to share your concern, we welcome you to easily reach out to us through multiple contact options displayed on https://aarshyam.in/contact.htm