Privacy and Security Policy
SHAKMAN ESERVICES PRIVATE LIMITED (hereinafter referred to as “Gullakh.com/ we/ our”) acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) with regard to privacy, confidentiality and security of their Personal Information that resides with Gullakh.com. Keeping Personal Information of customers secure and preventing any misuse thereof is a top priority of Gullakh.com
This Privacy & Security Policy (hereinafter referred to as “Policy”) explains how we protect Personal Information provided to our websites such as wwww.Gullakh.com(hereinafter referred to as “Website”) and how we use that information in connection with our service offered through the Website (hereinafter called as "Service").
Personal Information means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Gullakh.com, is capable of identifying such person.
This Policy is applicable to the Personal Information (which may be a Sensitive Information “SI”) of yours including but not limited to details pertaining to your name, state of residence, city of residence, email address, date of birth, gender, contact number/mobile number, user ids and passwords which Gullakh.com may become privy to, as and when you avail the products and services vide the online application forms and questionnaires through usage of Website. By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website and to our online customers. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy. Gullakh.com reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.
- You while providing the details over the Website, including but not limited to Personal Information as mentioned herein above, expressly consent to Gullakh.com (its affiliates and business partners) to contact you, to make follow up calls in relation to the services provided through the Website, for imparting product knowledge, offering promotional offers running on Website & various other offers offered by its partners on the Sites.
- The usage of the Website may also require you to provide consent for keying in your Sensitive Information (including but not limited to user ids and passwords), as may be necessary to process your application through the Website. Sensitive information keyed in shall be required for enabling hassle free, faster and paperless (to the extent possible) processing of applications for financial products so opted / availed by you.
- In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for this purpose. Hence, there is no DNC / DND check required for the number you have left on our Website. Such modes of contacting you may include sending SMSs, email alerts and / or telephonic calls.
- Gullakh.com reserves the right (and you expressly authorize Gullakh.com) to share or disclose your Personal Information when Gullakh.com determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.
Purpose and Usage:
- Gullakh.com will not sell or rent your Personal Information to anyone, for any reason, at any time. Gullakh.com uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website. Further, it enables the Gullakh.com to:
- analyse usage of the Website and to improve the Service;
- send you any administrative notices, offer alerts and communications relevant to your use of the Service;
- enable you to apply for certain products and services for which you have chosen to apply;
- Carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
- bind third-party contractors that provide services to Gullakh.com and are bound by these same privacy restrictions;
- Comply with all applicable laws and regulations;
- In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your name, e-mail address, mobile number, date of birth, employment type, residency status, details of loan applied for and loan status may be provided to that co-brand partner when your application is submitted and whenever the status of application is updated. Gullakh.com has a business relationship with these co-brand partners and you may not opt-out of sharing your information with these co-brand partners if you have applied via a co-branded URL
- For availing the Service such as applying for a loan will require you to provide Gullakh.com with details such as a your name, email address, residential address, mobile number, PAN number, employment & income details/proofs, personally identifying information about a potential co-loan applicant (should you select this option), password and to participate on our forum boards, a username (collectively the "Registration Information").
- In order to provide your bank statement or payslip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow Gullakh.com to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/payslips and are not stored in our system. However, Gullakh.com shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord.
- We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them
Disclosure / Sharing:
Gullakh.com does not disclose sensitive personal data or information of a customer except as directed by law or as per mandate received from the customer / applicant. No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:
- To help complete a transaction initiated by you
- You have specifically authorized it
- The disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process
- The information is shared with Government agencies mandated under law
- The information is shared with any third party by an order under the law
- When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,
Intimation by customers regarding change in registration information:
If your Registration Information provided to us when you had applied for a product on our Website or Sites changes, you may update it whenever you apply for a new product via our Website or Sites. To review and update your Personal Information and to ensure that the same is accurate while your application is in process, you may contact us at email@example.com You will not be able to update the information you have provided in an application after a decision has already been made on it; however you may create and submit a new application with your updated information.
Note: We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at firstname.lastname@example.org. We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.
Email & SMS communications from us and our partners:
We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Gullakh.com or third-party products. Gullakh.com’s Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts. The above services are also provided by our partners.
This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.
If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of our Website. Cookies are small electronic files that collect information when someone visits a website. They can identify the pages that are being viewed and this can assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. Some cookies only exist whilst viewers are online, but 'persistent' cookies are not session-based and remain on the viewer's computer. When you visit this Website again, 'persistent' cookies can enable us to customize our content according to your preferences.
Technologies such as: cookies, beacons, tags and scripts are used by us and our partners like banking and financial entities, affiliates, or analytics or service providers use technologies such as google Ad sense, google analytics etc. These technologies are used in analysing trends, administering the Website, tracking user’s movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
Cookies used by Gullakh.com are Sessionid, TRCKR, UBID etc.
We use Local Storage Objects (LSOs) such as Flash and HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash cookies, please click herein below:
Gullakh.com is not responsible for cookies placed in the device of user/s by any other website and information collected thereto.
Behavioural Targeting / Re-Targeting:
We partner with a third party service provider to either display advertising on our Website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this Website and other Sites in order to provide you advertising based upon your browsing activities and interests.
Third parties will not be given your Personal Information unless you direct Gullakh.com to do so:
There are a number of products and services, such as loans, credit cards being offered by third parties on our Website, such as lenders, banks, credit card issuers and mutual funds (collectively "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. Gullakh.com is not responsible for their privacy practices.
Testimonials, Blogs and other forums on Gullakh.com Website:
With your consent Gullakh.com may post your testimonial along with your name. If you want your testimonial removed please contact Gullakh.com at email@example.com
If you use a blog or other public forum on Website, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. Gullakh.com is not responsible for the Personal Information you choose to submit in these forums.
Additional Policy Information
- Single Sign-On: You can log in to our Website using sign-in services such as Facebook or Google+ Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain Personal Information with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Website to your profile page to share with others within your network.
- Like Button: If you use the "Like" button to share something that item will appear on your Facebook profile page and also on your friends’ newsfeed depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this Website or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
We keep your data secure:
We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it. Since no method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at firstname.lastname@example.org
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Gullakh.com online accounts and systems from unauthorized access.
When you register for the Service, Gullakh.com requires a password from you for your privacy and security. Gullakh.com transmits information such as your Registration Information for Website or Account Credentials securely.
All Private Information is encrypted and communicated securely:
All communications between your computer and our Website that contain any Personal Information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
You are responsible for maintaining the confidentiality of your login id and password:
If you have any security related concern, please contact us at email@example.com We will work closely with you to ensure a rapid and personal response to your concerns.
Contact us with any questions or concerns:
If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to firstname.lastname@example.org Gullakh.com (SHAKMAN ESERVICES PRIVATE LIMITED), F-56, LGF, Greater Kailash Enclave-I, New Delhi - 110048, India
The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.
21st Day of Sept 2016