Respecting your privacy and the law

The privacy of your personal information has always been important to us at ZUARIMONEY. We are committed to respecting your right to privacy and protecting your personal information against unauthorized disclosure. Our staff is trained to respect your privacy in accordance with our standards, policies and procedures.

Collecting your personal information

If you are acquiring or have acquired a product or service from ZUARIMONEY, it will collect and hold your personal information for the purposes of:

• Providing you with the relevant product or service (including assessing your application and identifying you).
• Managing and administering the product or service.
• Protecting against fraud where it is a product or service.

ZUARIMONEY may also collect your personal information for the purpose of letting you know about products or services from ZUARIMONEY that might better serve your needs or promotions or other opportunities in which you may be interested.

The information collected may include your name, postal or email address, mobile number, date of birth, financial details, PAN number or other information ZUARIMONEY is required by law to collect or it otherwise considers necessary.

We will, if it is reasonable or practicable to do so, collect your latest personal information from you by requesting your regular updates. This may happen when you fill out a product or service application or an administrative form (e.g., a change of address form) or when you give us personal information over the telephone or counter, or through our website.

Using and disclosing your personal information

In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below:

• Involved in providing, managing or administering your product or service such as third party suppliers, other Group organisations, loyalty and affinity program partners, printers, posting services, call canters and our advisers
• Group organizations/Subsidiaries who wish to tell you about their products or services that might better serve your needs or promotions or other opportunities, and their related service providers
• Involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
• Involved in a corporate re-organization
• Involved in a transfer of all or part of the assets or business of a Group organization
• Involved in product planning and development
• Which are your representatives including your legal advisers and bankers
• In compliance of or as required or authorized by law or regulations, for example, to government or regulatory bodies for purposes related to public health or safety, prevention or detection of unlawful or suspicious activities or to protect public revenue.

Keeping your personal information accurate and up-to-date

Our aim is to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. This is the legal requirement and also so that we can provide you better service. If you believe your personal information is not accurate, complete or up to date, please contact us for updating/correction. We solicit your co-operation in updating your correct information.

Protecting your personal information

We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, loss, unauthorized access, modification or disclosure. Some of the ways we do this are:

• Document storage security policies
• Security measures for systems access
• Allowing access to personal information only where the individual seeking access has satisfied our identification requirements
• Access to staff on need to know basis and under confidentiality obligation
• Access control for our buildings

Your Privacy on the Internet

We take care to ensure that the personal information you provide on our websites is protected. For example, our websites have electronic security systems in place, including the use of firewalls and data encryption. User identifiers, passwords or other access codes may also be used to control access to your personal information.

Third-Party Advertisement Servers

ZUARIMONEY Group engages the services of an outside advertisement company to display advertisement on the Website. These advertisements may contain cookies. While ZUARIMONEY Group uses cookies in other parts of the Web Site, cookies received with banner advertisements are collected by the Advertisement company, and ZUARIMONEY does not have access to this information.

Resolving your privacy issues

If you have any issues you wish to raise with ZUARIMONEY, or would like to discuss any issues about our Privacy Policy, you may do so in a number of ways:

• You are always welcome to speak directly to our staff at Customer care numbers.
• You can email your concern on ZFL@adventz.zuarimoney.com