Experian Services India Private Limited (hereinafter referred to as “ESIPL / we / our”) is committed to protecting the privacy of the users visiting the www.experiansolutions.in (“the Website”) and acknowledges the expectations of its consumers or customers of its clients (hereinafter referred to as “Consumer / you / your”) regarding privacy, confidentiality and security of personal information that resides with ESIPL. Keeping personal information of the Consumer secure and preventing any misuse is a top priority of ESIPL.
ESIPL is strongly committed to protect the privacy of its Consumers and has taken all necessary and reasonable measures in line with applicable laws and regulations as well as the best industry practice to protect the confidentiality of your personal information.
B. PERSONAL INFORMATION
Personal Information (“PI”) means any information that relates to a natural person, which either directly or indirectly in combination with other information available with ESIPL, that can identify such person.
This Policy applies to the PI such as details pertaining to your name, parentage, marital status, nationality, state/city of residence, residential address, e-mail address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, income proof, PAN, and such other Know Your Customer (KYC) documents like address proof, identity proof, officially valid documents/details which may be shared / uploaded by you, as and when you avail any of our products, services either directly from us or through our client either through our website / application or our client’s website or application where this Policy or a link to this Policy is displayed.
D. WHAT PERSONAL INFORMTION ABOUT YOU WE GATHER:
The information we learn from You helps us personalize and continually improve your experience at the Website.
Here are the types of PI we gather:
E. HOW WE USE YOUR PERSONAL INFORMATION:
We process your PI for purposes in connection with:
When you register on the Website, you are not anonymous to us. Also, you are asked for your name, contact number and other details during registration and may be sent via SMS, electronic mails (“e-mails”), notifications, WhatsApp messages about our services to your wireless device.
F. COLLECTION AND PROCESSING OF PI:
ESIPL endeavors to take all reasonable steps to protect your personal information. All the data collected by us is stored on a secure server. ESIPL has adopted procedures and measures in relation to its daily operations to safeguard and protect the PI maintained, against any unauthorised access to or misuse of the same, including but not limited to, adopting standards for physical and operational security, appropriate instructions for removing, labelling and securing electronic storage media, securing all paper based records, documentation and backup data containing all confidential information, adequate procedure to ensure access only by authorized persons on ‘need to know’ basis, creation of firewalls and stress testing of systems, taking necessary steps while handing over systems for maintenance to prevent unauthorized access or loss of data, information and PI maintained by ESIPL.
ESIPL also ensures utmost care in collection of Your PI and ensures that Your PI is properly and accurately recorded, collated and processed and protected against loss, unauthorised access, modification or disclosure.
In this regard, ESIPL ensures that no person has any access to your PI in the possession or control of ESIPL who is not required to or needs to access your PI. All ESIPL employees, managers, officers, authorized personnel, agents, sub-contractors, vendors and other persons who deal with or have right to access PI are essentially required to comply with confidentiality covenants in this regard.
G. LENGTH OF PRESERVATION OF PI:
ESIPL endeavours to take steps to retain Your data/Personal Information for a period not exceeding 36 (thirty-six) months from the date of termination of your relationship with ESIPL. Thereafter, we shall take reasonable steps to destroy or permanently de-identify PI that is no longer needed.
H. SHARING YOUR PI:
We have summarised below the categories of recipients with whom we are likely to share your personal data.
Affiliates and Third Parties: ESIPL may share your information with its affiliates i.e. companies that control or are controlled by or under common control with ESIPL as well as selected third parties with whom ESIPL works. These recipients within and outside our group, may be processing your personal data on our behalf as a Service Provider (see below).
Service Providers: ESIPL may share your personal data with entities that provide services to it, such as vendors and suppliers that provide ESIPL with technology, services, and/or content for the operation and maintenance of the Website. Access to your personal data by these service providers is limited to the information reasonably necessary for the Service Provider to perform its limited function. ESIPL takes reasonable steps to help ensure that Service Providers keep your personal data confidential and comply with ESIPLs privacy and security requirements.
Disclosure for Legal Reasons or as is necessary to protect ESIPL: ESIPL may release personal data to other parties: (1) to comply with valid legal requirements such as laws, regulations, search warrants or court orders; (2) in special cases, such as a physical threat to you or others, a threat to public security, or a threat to ESIPL’s system or network; or (3) cases in which ESIPL believes it is reasonably necessary to investigate or prevent suspected or actual harm, abuse, fraud, or illegal conduct.
Changes in ESIPL's corporate structure: If all or any part of ESIPL is sold, merged or otherwise transferred to another entity (including a transfer of ESIPL's assets), the personal data you have provided to ESIPL may be transferred as part of that transaction.
I. DATA SECURITY AND PROHIBITION FROM UNAUTHORIZED ACCESS OR USE OR DISCLOSURE:
ESIPL has adopted procedure and measures in relation to its daily operations to safeguard and protect the PI collected/stored/accessed/maintained with it, against any unauthorized access to or misuse of the same, including but not limited to, adopting standards for physical and operational security, appropriate instructions for removing, labelling and securing electronic storage media, securing all paper based records, documentation and backup data containing all confidential information, adequate procedure to ensure access only by authorized persons on ‘need to know’ basis, creation of firewalls and stress testing of systems, taking necessary steps while handing over systems for maintenance to prevent unauthorized access or loss of data, information and PI maintained by ESIPL.
J. SECURITY ASPECTS:
ESIPL has security protocols and measures in place to protect from unauthorized access or alteration, the PI, and other information ESIPL maintains. These measures include internal and external firewalls, physical security and technological security measures, and encryption of certain data. When PI is disposed of, it is disposed of in a secure manner.
K. PURPOSE AND USAGE:
We may share your PI to our business partners/subcontractors/service providers or group companies located within or outside India, provided that they also comply with applicable laws.
ESIPL may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of our business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity.
We may also share your information, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law.
Please note that during our use of your PI, if you choose not to provide the relevant personal data, we may not be able to enter into or continue our arrangement with you.
L. YOUR CONSENT:
We acknowledge your right to access, rectification, erasure, restriction of the processing, data portability and object to the processing of your PI. However, these rights are not absolute in nature and are subjected to contract, applicable legislation, record keeping requirement under applicable statutes, ongoing disputes or potential disputes ESIPL may foresee.
M. COOKIE STATEMENT:
What are cookies?
Cookies are text files stored on the device you use to visit our website. Some cookies are essential for our websites to work, others collect anonymous or personal information to allow us to improve our websites and to show you relevant content.
We may use different types of cookies and you can read more about some of these below.
How long are cookies stored on my device?
Two types of cookies can be stored:
Session cookies which are automatically deleted when you close your browser
Persistent cookies which remain on your computer until they are deleted or expire. Persistent cookies can keep your user preferences to help make future browsing easier and more relevant.
Types of cookies we may use
Without these cookies, our website may not work properly. These cookies are strictly necessary for ESIPL sites to ensure security, ease of use and functionality. Others provide you with services available across our websites and are needed to use some of its features.
Analytics cookies are used to understand how visitors use our website. This includes capturing visitors’ location, how pages are browsed, patterns and preferences within their journey, time spent on site, and additional data that helps us improve your experience. Some of these include third party cookies, and are implemented to provide you with a quick and seamless personalized experience.
Performance and functional cookies
We use performance & functional cookies to further improve our website in order to provide you with the best possible online experience. For example, to ensure the speed of our web pages, enable video content and faster browsing. Without these cookies, certain website functionality may become unavailable. Some of these cookies may be third party cookies.
Advertising and marketing cookies
Advertising and marketing cookies are used to show you adverts relevant to you, your interests and your interaction with ESIPL and our websites. We use this data to improve our communications with you. They are used to show you relevant advertisements, and to help measure the effectiveness of our advertising campaigns.
These cookies can also remember that you have visited a website and collect information about your browsing habits in order to manage your preferences accordingly.
Some of these cookies can identify you as an individual based on IP address and connected identifiers. These cookies may also be third party cookies.
Social media cookies
Social media cookies may be placed on our website and, if you are logged into the social media platform, can identify your visit and collect information about your browsing habits. We may use these cookies to include or exclude you from social media advertising and to help measure the effectiveness of these advertising campaigns. These cookies may be third party cookies.
N. YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR LOGIN ID AND PASSWORD:
You are responsible for maintaining the security of your login ID and Password and must not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at email@example.com.
If you have any security related concern, please contact us at firstname.lastname@example.org. We will work closely with you to ensure a rapid and personal response to your concerns
O. QUERIES AND GRIEVANCE REDRESSAL
In case of any feedback or grievance regarding data privacy, you may contact our customer support team. On receipt of the request, the team shall take necessary steps, within a reasonable time, to ensure that proper action is taken to redress the complaint (s). The email id for the customer support team is email@example.com.
Last updated: November 2022