Privacy Policy

This document (“Privacy Policy”) is published by virtue of the legal requirement under the provisions of the Information Technology Act, 2000 that require intermediaries to publish the rules and regulations, privacy policy and terms for access or usage of their website/mobile app and is primarily governed by Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

Objectives

RATNAAFIN may collect and store information about you when you visit our site, use our services, or view our online advertisements. The information which RATNAAFIN collects and store during normal use of the site is used to monitor use of the site and to help further development of our products and services. We use this information to improve our Web-based offerings.

RATNAAFIN intends to protect the privacy of its users and members on its Website and the privacy of the data provided by them to RATNAAFIN from time to time. For the purpose of this Privacy Policy, Website means and includes the website (www.ratnaafinsure.com) and applications of RATNAAFIN.

Scope

This policy applies to information collected by RATNAAFIN through its websites and applications.

Collected Information:

RATNAAFIN may collect personal information that you submit to us through the Services, which include:

• Name;
• Home address;
• Guardian’s name (if minor);
• Email address;
• Domain address;
• Telephone number;
• Date of birth;
• Job position;
• Occupation;
• Company;

User credential, or any information that you submit to us. Other personal information we collect may include:

• financial information such as income, assets and your financial investment strategy and investment background;
• documents that you provide to us to verify your identity, such as copies of your passport, utility bills, and/or bank statement or your company incorporation details.

RATNAAFIN also may collect some information automatically, which include:

• IP address
• Information about your web browser software and version;
• General geographic location indicated by your IP address;
• Website that referred you to us, and similar information.

We also may collect information about your activity on our websites, which might include:

• frequency of visits to our website;
• Average length of visits;
• Pages viewed during a visit

We may use various technologies to collect information about your activities on our websites, including:

• Cookies (If not selected may affect certain or all functionalities);
• Web Beacons / Web bugs (Measures user experience on our website).
• We may combine your information, automatically gathered information and the information we collect through cookies/web beacons / web bugs,

Use of collected Personal Information:

RATNAAFIN may use the personal information that is collected from you to provide requested products and services and for our internal business purposes, including, but not limited to:

• Responding to your requests for our unique products and services;
• To process your transactions and to provide you with transaction and post transaction-related services, providing, improving, and marketing our products and services, including site content and performance;
• Evaluating your use of the services;
• Providing advertising for products and services that might interest you;
• Responding to your requests for information;
• Communicating with you by e mail, postal mail or courier, and/or telephone about products or services that may be of interest to you;
• Maintaining and managing your account with us;
• Keeping you updated on the issues that are relevant to your business relationship with us;
• Monitoring your compliance with any terms and conditions associated with our products and services, including to confirm your identity;
• Performing other functions as described to you at the time of collection or pursuant to your consent.

In addition, certain information we collect, such as the IP address of any computer or other device that you use to access our website and any other domains that may be operated by RATNAAFIN, will be used to monitor and investigate possible violations of and enforce any terms and conditions associated with our products and services or other applicable agreements between you and RATNAAFIN. Our use and sharing of your personal information in the manner described in this Privacy Policy may involve the transfer of your personal information to RATNAAFIN or to third parties, as described in this Privacy Policy, that are in countries outside your country of residence, which may not have the same privacy legislation as your country of residence.

Service Providers:

We may share personal information with organizations or individuals that perform functions on our behalf. For example, service providers may process payments for our products and services or may store and process data on our behalf. These service providers are granted access to personal information for the purpose of performing their functions for RATNAAFIN.

Marketing:

RATNAAFIN may share collected personal information with group companies whose products and services we believe you may find of interest. If you would prefer that we not share your personal information with any third parties for the third parties’ marketing purposes, you can notify us of your preference by contacting us as contact details described on the website.

Legal Matters:

RATNAAFIN may share personal information in response to a court order, a request for cooperation from a law enforcement or other government agency, or as otherwise required by law; to persons acting as representative capacity on your behalf; to defend against legal claims; to investigate, prevent, or take other action regarding illegal activity, suspected fraud, suspected violations of terms and conditions associated with any of our products or services, or other wrongdoing; or to protect and defend the rights, property or safety of our company, our users, our employees, or others.

Transactions:

RATNAAFIN may share personal information in connection with a substantial corporate transaction, such as mergers, acquisition, the sale of our business, a divestiture, consolidation, or asset sale, or in the unlikely event of bankruptcy.

Other Purposes:

RATNAAFIN may share personal information as otherwise described to you at the point of collection or pursuant to your consent.

Third Parties:

For our website users’ convenience, RATNAAFIN may provide links or otherwise refer you to third parties, such as operators of Internet services linked to from our websites, that may collect personal information from you. In addition, RATNAAFIN may invite your participation in various promotional initiatives through its presence on social networking websites and blogs operated by third parties, such as LinkedIn, Facebook, Twitter, WordPress etc. Personal information collected by these third parties is not covered by this policy. In addition, RATNAAFIN may provide you with links to “share” any RATNAAFIN content with other third parties via email or certain social networking websites for your convenience. Data transmitted during such linking, including but not limited to your email address or the email address of the party receiving such data, shall not be tracked by RATNAAFIN. Use of RATNAAFIN data by any third party shall be at their discretion and risk. Personal information collected by these third parties is not covered by this policy, and RATNAAFIN shall not be bound in any manner by any claims and/or liabilities arising there to.
If we share information with third parties (other than our service providers) as described above, we cannot control the privacy practices of those third parties, and they may not comply with the restrictions that we describe here.

Personal Information:

RATNAAFIN use commercially reasonable security measures (including physical, electronic and procedural measures) to help safeguard personal information against loss, misuse, damage or modification and unauthorized access or disclosure. However, no system for transmitting or storing information electronically can be completely secure. Therefore, we cannot guarantee that personal information or other communications will always remain secure.

Minor’s Privacy:

We do not knowingly collect personal information from minor children. If we learn that we have collected personal information from a child who are in the minor category, we will delete that information from our database.

Privacy Policy Changes:

This policy provides a general statement of the ways in which RATNAAFIN aims to protect your information. You may, however, in connection with specific products or services offered by RATNAAFIN, amend statements to this privacy policy or supplement this policy with another. We may also occasionally update this privacy policy to reflect changes in our practices concerning the collection and use of your information. As a result, we encourage you to review the privacy policy before accessing the websites or otherwise furnishing data to RATNAAFIN. In order to assist you in determining whether our policy has changed, we will list at the top of the policy the most recent date on which we updated it. If we make any material changes to this policy, we will notify you by posting notice of the changes on the websites or by other appropriate means.

Privacy Review:

We reserve the right to change or update this policy at any time by placing a prominent notice on our site. Such changes shall be effective immediately upon posting to this site.