• All Visitors ("Visitors") who visit this website https://www.bajajcapital.com ('Site') and provide information to Bajaj Capital Limited (BCL) online through this Site are covered under this Policy.
• Information covered by this Policy: This Policy seeks to cover private information of the Visitors provided to the Site and also any information collected by Bajaj Capital server from the Visitors' browser. ("Information").
• By visiting/using the site and/or registering yourself at the site, you authorize BCL/its subsidiary/parent company/ group companies/associates/affiliates/partnered banks/associate partners/service providers to contact you via email or telecommunication means and offer you their services for the product you have opted for and also to impart product knowledge, inform about promotional offers & offers of the affiliates and associated third parties available from time to time and running on the site, irrespective of the fact that you have registered yourself under DND or DNC or NCPR service. You also authorize BCL to make your details available to its parent/subsidiary company/group companies/associates/partnered banks/affiliates/associate partners/service providers for the above mentioned purposes.
• You hereby authorize and expressly give your consent to us to share your demographic and Personal Information with third parties including, but not limited to, Credit Information Companies to do an aggregate check of your credit profile and for BCL to send you targeted communications and offers by agreeing to the Terms of Use while accessing the Site. You hereby also give your consent to BCL to procure credit information and indicative scores from the Credit Information Companies on your behalf.

• Information collected shall only be used to provide the Visitor with the best possible services.
• Information shall not be shared with any external organisation unless the same is necessary to enable BCL to provide you services or to enable the compilation of a transaction or the same is necessary or required pursuant to applicable norms or pursuant to the terms and conditions applicable to such Information as agreed to with BCL. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates/partnered banks/associate partners/service providers including Credit Information Companies, for the purpose of underwriting and approval of your credit card, loan or any other financial product transaction/related transaction or for doing an aggregate check of your credit profile on your behalf and sending you targeted communications and offers. BCL may also share Information to provide you with superior services and a range of offers.
• BCL has a business relationship with these affiliates/partnered banks/associate partners/service providers and you may not opt-out of sharing your information with these partners if you have applied via a co-branded URL or directly through the Site as the case may be. However, if you desire BCL to limit such sharing whereby you would not like to be informed of offers available, you may contact us at customercare@bajajcapital.com
• From the online forms you fill out, we will also collect details of your name, including first name, E-mail address, contact details, postal code, demographic profile, your interest and financial information disclosed by you. Besides transmitting the online forms to the concerned third party service provider/product manufacturer, for whose privacy practice we are not responsible, this information will be used for getting in touch with you and providing services that you request, to obtain your feedback on products and to send you promotional material from advertisers and sponsors. We will also store the history of your transactions for our record purposes. For the purpose of providing you information on services requested by you, we may share your E-mail Id, demographic profile and your interests with other service providers, unless you specifically require us not to do so.
• For availing the Service such as applying for a loan, credit card, and/or any other financial product we will require you to provide/upload on the Site the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26 AS, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (if applicable) (collectively the "Registration Information").
• There are number of products/services such as loans, credit cards offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these products or services/disclose information to these providers, then their use of your information is governed by their privacy policies. BCL is not responsible for the privacy practices of other web sites, whose links are on our Site since we do not own, manage or control them.
• By using the services on this site, you are deemed to have consented for sending information about you to other companies or people when we require sharing your information to provide you the product or services you have requested from us.
• BCL will use the Information to improve the Visitor experience.
• The Site uses cookies. Cookies are small data files that a website stores on your computer. We use persistent cookies which are permanently placed on your computer to store non-personal (Browser, ISP, OS, Clickstream information etc.) and profiling information (age, gender, income etc.). While cookies have unique identification no, personal information (name, a/c no, contact no etc.) SHALL NOT be stored on the cookies. We will use the information stored in the cookies to improve Visitor experience through throwing up relevant content where possible. We will also use the cookies to store Visitor preferences to ease Visitor navigation on the site.
• We may in the future implement encryption of the cookies.
• Data is stored in encrypted format while in transit and while at rest.
• Access to the data is available only via multi-level authorisation and on need-to-know basis.
• We maintain an audit trail of customers’ point of origin, device IP and location.
• We use third-party advertising companies to serve ads on our Site and other websites. In the course of serving advertisements, these companies may place or recognize a unique 'cookie' on your hard drive, and may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to measure advertising effectiveness and to provide advertisements about goods and services of interest to you.
• You have the ability to correct or change certain information in our records, such as your address and contact information. If you need assistance or have questions about correcting information, you can contact us via e-mail at customercare@bajajcapital.com
• The information we receive from or about you is stored on systems designed to prevent the loss, misuse, unauthorized access, disclosure, alteration or destruction of that information. We may encrypt your transmission of sensitive information to us (e.g. your name, address, contact details, etc.) in the interest of heightened privacy protection and information integrity.
• We do not store any information pertaining to your credit card information in our database nor do we have any knowledge of the information you enter while making payment.
• BCL also may disclose information about you as permitted or required by law.
• Any changes to this Privacy Policy will be posted on the Site. You are responsible for periodically checking our Site for changes to this Privacy Policy. You may opt-out of any posted change to our collection, use or disclosure of your personal information by sending an e-mail to customercare@bajajcapital.com
• At BCL, we value your relationship and will, at all times, strive to ensure your privacy.

https://www.bajajcapital.com (‘Site’) is the group website of Bajaj Capital Limited and its subsidiaries/parent, associates, affiliates and group companies (“Bajaj Capital Group”).

Please read these Terms of Use carefully before using the Website. If you do not agree to all of these Terms of Use, do not use the Site.

In this User Agreement (“Agreement”) “Bajaj Capital Group” and “User” (Users of the Website) and “Visitor" (Visitors to the Website) are collectively referred to as “Parties” and individually as a “Party”. Being allowed access to the Site, you (User or Visitor) enter into the Agreement, on the terms and conditions written here under. This Agreement is for an indefinite term. Subject to the terms contained herein, either Party can terminate this Agreement for any reason, provided that such termination shall be conditional upon, including but not limited to, discharge of all contractual and statutory obligations.

All information(s) and material(s) on the Site are provided on an "AS IS" basis, and are without guarantees or warranties of any kind, express or implied. Bajaj Capital Group disclaims all responsibility for any loss, injury, liability or damage of any kind resulting from and arising out of, or any way related to:

• Any errors in or omissions from the Site and its content, including but not limited to technical inaccuracies and typographical errors
• Any Group Websites, third party Websites or content therein directly or indirectly accessed through links, if any, including but not limited to any errors in or omissions therefrom
• Your use of the Website.

Under no circumstances, will Bajaj Capital Group and/or any of its directors/ employees/ representatives accept any liability legal or otherwise for any direct or consequential loss, arising from the use of the information/data, material contained in the Site, to any User or Visitor for:

• Loss, injury, claim, liability or damages of any kind resulting from the use of or the inability to use the information(s), links, and/or material(s) in the Site;
• Special, direct, incidental, punitive, exemplary or consequential damages of any kind whatsoever in any way, resulting from or arising in connection with the use of or the inability to use the Website or its content(s) / information(s)/link(s) and material(s); and
• Claim attributable to errors, omission or inaccuracies in or destructive properties of any data/information/material.

Bajaj Capital Group has taken due care and caution in compilation and presenting factually correct information/data, material contained in the Site and shall make reasonable efforts to ensure that the information/data, material provided on the Site is accurate but does not guarantee or warrant its accuracy, adequacy, correctness, validity, completeness or suitability for any purpose. Bajaj Capital Group accepts no responsibility with respect to the information on the Site. Use of this Site, by implication, means that you have gone through and agreed to abide by the Terms and Conditions of use and the Disclaimers, Risk Factors provided/given on the Site. Bajaj Capital Group does not represent that the information downloaded from the Site is completely error-free and accurate or the servers that make the Site available, are free of viruses or harmful components. Though due care has been taken to make the database completely reliable and error-free, Bajaj Capital Group claims exemption from any liability arising out of any such error in the data base.

Users or Visitors of the Site are permitted to print or download extracts from these pages for his/her/its personal non-commercial use only. Any copies of these pages saved to disk or to any other storage medium, may only be used for subsequent viewing purposes or to print extracts for personal use. You may not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from the Site. No part of the Site, may be reproduced or transmitted to or stored in any other website, nor shall any of its pages or part thereof be distributed in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without Bajaj Capital Limited’s prior written consent.

Bajaj Capital Group reserves its right to add to or change/modify the information, contents and the terms of this Agreement. Any changes will be posted to the Site and it is the Users' responsibility to refer to the terms on accessing this service. Changes could be effected by Bajaj Capital Group after the first posting to the Site and you will be deemed to have accepted any change, if you continue to access the Site after that time. Bajaj Capital Group further reserves its rights to modify, suspend/cancel, or discontinue any or all service(s) at any time without notice, make modifications and alterations in any or all of the content, products and services contained on the Website without prior notice.

Unless otherwise stated, copyright and all intellectual property rights in all material presented on the Site (including but not limited to text, audio, video or graphical images), trademarks and logos appearing on the Website are the property of Bajaj Capital Group and are protected under applicable Indian Laws. Any infringement shall be strongly defended and pursued, to the fullest extent permitted by law.

The Website may contain advertising and other material submitted to Bajaj Capital Group by third parties. Advertisers are responsible for ensuring that material submitted for inclusion on the Site complies with applicable International and Indian Law. Bajaj Capital Group will not be responsible for any advertiser's claim, error, omission or inaccuracy in advertising material, and reserves the right to omit, suspend or change the position of any advertising material submitted for insertion/placement on the Site. Acceptance of advertisements on the Website will be subject to Bajaj Capital Group terms and conditions.

This Agreement, including the Website's Privacy Policy and Disclaimer, constitutes the entire user agreement between user/visitor and Bajaj Capital Group, and supersedes any prior agreements or understandings between the Parties. No amendment or modification hereof will be valid or binding upon either party unless made in writing and signed by the authorized representatives of the Parties.

User acknowledges and agrees that this Agreement shall in no event be construed as a third party beneficiary contract, and that it is not intended for the benefit of any person or company whomsoever except the Parties hereto.

Bajaj Capital Group may assign any or all of its rights and obligations here under to any party without the prior consent of or notice to User.

By using the Website, User agrees to indemnify and defend Bajaj Capital Group their directors, officers, consultants, and employees and hold them harmless from any and all claims and expenses, including attorney's fees, arising from user's misuse of the Website or Service.

The Terms of Use is governed by Indian Laws. Any dispute arising between the Parties shall be subject to exclusive jurisdiction of Court(s) at Delhi only.

If you have questions, comments, or notices about the Website or this Agreement, please contact us in writing at the address below:

Bajaj Capital Ltd
Corporate Office: Novus Tower, 1st Floor (East Wing)
Plot No. 18, Sector–18, Gurugram, Haryana 122008