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We are committed to protecting the privacy and security of your personal information. Your privacy is important to us and maintaining your trust is paramount to us.
BanayanTree Services Limited, (hereafter referred to as "Banayantree" or "BANAYANTREE" or "BTSL"), which provides comprehensive personal finance & wealth management products and services (hereinafter collectively referred to as the "Company") offer their respective Services on the ET Money Platform and respective entities develop, operate & manage its respective sections including collection and usage of the Information.
Based on the Products/Services You avail or intend to avail, it will be construed that the respective Company (which is offering such Products/Services) is collecting the data from You. Any Information, that You submit while availing BANAYANTREE's Products and Services, you hereby agree and acknowledge that You submit Your Information to BSTL.
You must be a natural person who is at least 18 (eighteen) years of age. You must not misrepresent Your identity. The right to use the ET Money Platform is personal to the User and is not transferable to any other person or entity. The Company presumes adequate and lawful parental consent in case the Personal Information is shared by a User under the age of 18 years.
The information about the User as collected by the Company is: (a) information provided by Users and (b) information automatically tracked while a user uses the Platform(c) information collected from any other source (d) information generated while availing Our Services including but not limited to transactional information (collectively referred to as "User Information" or "Information").
The Company respects the privacy of the Users, understands the sensitivity of the information and is committed to protect it in all respects.
1.1 Information You Provide Us
When you start using the ET Money Platform, the Company asks you to provide Information about yourself on a voluntary basis. You are asked to provide such information at various points across the Platform. Some of the scenarios where you provide us your information includes, but not limited to
In some instances, you might have to provide certain information on a mandatory basis (such as KYC information or information which is required to comply with applicable laws, rules, guidelines, regulatory requirements). Any information disclosed by You shall be disclosed willingly on a voluntary basis and without any coercion.
1.2 Information that gets collected when you use the ET Money Platform
1.3 Information from third parties
In order to render our service, comply with regulatory requirement or to provide a much easier online process on activities such as, but not limited to, opening an investment account or to verify the information given by you, you acknowledge and agree that we may receive information about You from other sources. Such sources include entities such as, but not limited to, KRA/CKYCR/Credit Bureaus etc. We may add such information to Your account information (already available with us) and treat it in accordance with this Policy.
All Information provided by you and/ or collected from other sources shall be considered confidential by Us. However, any personally identifiable information provided by You will not be considered as confidential/sensitive if it is freely available and / or accessible in the public domain like any comments, messages, blogs, scribbles available on social platforms like Facebook, Twitter etc. Further, any Information posted/uploaded/conveyed/communicated by you on the public sections of these Sites becomes published content and is not considered confidential and/ or personal or personally identifiable information.
2.1 Providing, understanding, and improving our service
Any information provided by a User shall be used for creating and updating your Account and processing your transaction(s) or for any other purposes for which you have granted access to such information to us.
We may also use the information collected to perform internal operations necessary to provide our services, improve & customize user experience, troubleshoot software bugs and operational problems, to conduct data analysis, testing and research and to monitor and analyze usage and activity trends. Information collected may also be used to share communications to you about our products & services, provide additional features through cookies and to detect and/or prevent any fraudulent/criminal/prohibited activity as per applicable laws.
We may also use Your email address or other personally identifiable information to reach out to you or to send commercial or marketing messages about Our Services and/or such additional updates and features about third parties' products and services with an option to subscribe/unsubscribe.
2.2 Security & resolution of issues
We respect the privacy of our user and are committed to safeguard the same. Our hosting services and servers maintain its systems in accordance with industry standards and best practices to reasonably secure the information of its customers against unauthorized access, modification, disclosure, or destruction of data. We blend security at multiple steps within our products with state-of-the-art technology to ensure our systems maintain strong security measures. We conduct periodical internal and external reviews of Our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where We store personal data. All information gathered by the Company is securely stored within the Company controlled database. The database is stored on servers secured behind a firewall; access to the servers is password-protected and is strictly limited. We have an in-house network security team which uses industry leading products to conduct manual and automated VA/PT activities. Our safety and security processes are also audited by a third-party cyber security audit agency from time to time. If you have found a possible security vulnerability on our platform, we encourage you to report the issue to us responsibly at email@example.com. We shall put best of our efforts to investigate and fix the legitimate issues in a reasonable time frame, meanwhile, requesting you not to publicly disclose it.
We neither rent nor sell your personal Information to anyone. However, we may share your Personal Information with third parties as described in this section:
3.1 Your personal information with respect to connecting your Gmail account with ET Money Application: Compliance w.r.t. Google OAuth API Scopes (Restricted scopes)
We will never rent or sell your information or data to anyone. Company ensures that it is always in compliance with the restricted scope defined under Google OAuth API policies.
3.2 Your SMS information with respect to giving explicit permission to ET Money application with respect to your SMSs related to expenses & saving account balances (Personal & Sensitive information):
We will never rent or sell your information or data to anyone. ET Money ensures that it is always in compliance with the Google Play store policies and Google policies.
You may review, update, and correct your personal information through the Profile section on the ET Money application. In the event when your information is not accessible online and you wish to change your personal information or other information that you may have provided, please write to us at firstname.lastname@example.org.
Your right to review, update, correct etc. Your information is subject to Our records retention policies and applicable law, including any statutory retention requirements.
You also have an option to request for account deactivation. This will temporarily block your access to ET Money Platform until a re-activation request on email@example.com and is sent to reactivate the account.
Retention of Data
We shall retain the records as per Prevention of Money Laundering Act 2002 and SEBI (Investment Advisors) Regulations, 2013 for the period specified by SEBI from time to time. In the event any legal / regulatory proceeding is pending, we will retain records for a longer period till such proceedings come to a logical conclusion.
Please note that ET Money's use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.
Any complaints, abuse or concerns with regards to the use, processing and disclosure of Information provided by You or breach of these terms should immediately be informed to the designated Grievance Officers as below in writing or through email to:
Mrs. Modekurti Jaya Lakshmi (Grievance Officer)
Plot No. 391, Udyog Vihar, Phase - III,
Gurugram122016, Haryana, India.
Ph: + 91-124-4187000/4518550.
We request User to please provide the following information in User's complaint: