Collection of Customer’s Personal Information
The Website’s interface provider i.e. MFU would require registration, which requires you to provide your details such as an email address, a password and other information as required by the website, MFU or regulators.
You would be required to provide Personal Information like your Name, PAN, Bank Account Number [“KYC information”] at the time of registration /activation of such facility. The collection of these KYC Information is obligatory pursuant to regulatory requirements in order to activate and enable the online transactions of mutual funds with AMCs. Such KYC information shall be used/shared/maintained/accessed/stored with/by third party technology service provider/EXPOWEALTH/AMCs/RTAs/authorised service providers/payment gateway providers in order to enable/ facilitate/ complete/ process online Mutual Fund transactions and report/statement generation.
From time to time, the Website may also request other Personal Information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that Personal Information as per your choice.
Use of Customer’s Personal Information
The Website uses and discloses your Personal Information only as follows:
To fulfill / complete your requests for products and services offered, or subscribed or availed by you on the Website
To deliver to you any administrative notices, money alerts, advice, notifications and communications relevant to your use of the Services.
To analyze Website usage and improve the services offered
For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity
To Third Party Service Providers that provide services to EXPOWEALTH and are bound by these privacy restrictions
To improve features, tailor the Website to suit your requirements, interests, and to get in touch with you whenever necessary for various purposes
For any of these purposes, we may use group companies / affiliates, third party vendors, agents, contractors, consultants or service providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) We may also use them to help us in providing the features of the Website, such as sending email messages on our behalf, collecting subscription fees for such services, and notifying or contacting you regarding any problem with such Services or hosting and operating a particular feature or functionality. Such Third Party Service Providers are bound by privacy restrictions which are similar to the restrictions mentioned in this Policy. The information is disclosed on the need-to-know basis.
Sharing and disclosure of Personal Information
We will not share, sale, trade or rent your Personal Information with any affiliated or unaffiliated third parties. Further, we will also not disclose your Personal Information with any affiliated or unaffiliated third parties, except as mentioned above and also to:
Provide you the product and services
Transaction processing and report generation
Conform with any legal requirements or comply with legal process (es)
Enforce the terms and conditions of the products or services
Protect the interests of EXPOWEALTH, its Affiliates, or its members, constituents, or of other persons
EXPOWEALTH may make anonymous or aggregate Personal Information, and disclose or use such data only in a non-personally identifiable manner for purposes of research, advertising, comparison to organizations approved by EXPOWEALTH.
Promotional Communication from the Website
The Website would provide you with periodic summaries of your Account Information and send email / SMS alerts. The Website also allows you to subscribe to email content, newsletters, research information, notifications and from time to time may transmit emails / SMS promoting the Website or third-party products or services. You have the ability to opt-out of receiving our promotional emails / SMS, notification and to terminate your newsletter subscriptions or notification facility as the case may be by following the instructions on the Website. Opting out in this manner will not end transmission of service-related emails / SMS - such transactional alerts that shall continue till you avail the services of The Website.
Third Party Services and Websites
Blogs and other Forums on the Website
If you use a bulletin board, blog or chat room on the Website, you should be aware that any information you submit there can be read, collected or used by other users/visitors and could be used to send you unsolicited messages. The Website and EXPOWEALTH are not responsible for any personal information you choose to submit in these forums. These forums shall be hosted by the Website or by our third Party Service Providers on EXPOWEALTH’s behalf.
The Website will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies" sent to your browser from a web server or other means. “Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive.
When you register for the Services, the Website requires a Login ID and a password from you for your privacy and security. You are responsible for maintaining the confidentiality of your Login ID and password and you may not provide these credentials to any third party. We recommend that you change your password periodically.
While accessing your linked accounts online or linked credit cards, the Website use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session, and to protect Website accounts and systems from unauthorized access. From the time you submit your Login ID and password, these communications between your computer/mobile and the Website are encrypted using at least 128-bit secure socket layer technology (SSL). This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. The Website also encrypts your Website/Mobile App password so that your password cannot be recovered, even by us.
In respect of KYC information provided by you for enabling the online mutual fund transactions and the mutual fund transaction details, such information would be also available with third party technology service provider/AMCs/RTAs/authorised service providers and treated as proprietary and confidential in nature by them and to be used/shared/maintained/processed by them only on need to know basis for service enablement.