Under this Policy we inform you regarding the manner in which we collect, store, use, disclose, transfer and process your Personal Information when you use our website, or avail any products or services which we may operate or offer to you either directly through our Websites or Platforms or through a merchant or partner platform; including the steps we take to protect your Personal Information.
“Force Majeure Event” shall mean any event that is beyond Baya’s reasonable control and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action or any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to your mobile or storage device, crashes, breach of security and encryption etc.
“Personal Information” refers to any information that identifies or can be used to identify, contact or locate the person, to whom such information pertains including, but not limited to, name, address, phone number, email address, identification number and/or documents and any other information disclosed by you in relation to the Services.
“Third Party” refers to any person or entity other than you or Baya.
Personal Information / Sensitive Information that may be collected and manner of its use:
Personal Information provided by you in relation to the use of the Website: In order for you to access the Website, Baya may collect your Personal Information and / or Sensitive Information as may be required for the purposes connected thereto. Baya endeavours to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input.
Cookies are small pieces of information saved by your browser onto your mobile device. Cookies are used to record various aspects of your visit and assist Baya to provide you with uninterrupted service. Cookies may be set in your browser by Baya when you access the Services or may be set in when you visit Third Party websites.
This anonymous information is maintained distinctly and is not linked to the Personal Information that you submit to Baya.
- Authenticate your login information
- Enable Baya’s security features;
- Show you advertising; and
- Improve and develop the features of the Website.
Please feel free to change your browser settings if you do not wish to accept cookies. However, please note that changing your browser setting may affect your experience on the Services.
Do help us protect your privacy by maintaining the secrecy of your username & password you use for any of our services. You should not share your username & password or other security related information with anyone. If we receive instructions using your username & password, we will consider that you have authorized the instructions.
In addition to the cookies, Baya may also collect information to enable it to better understand you so that Baya can improve your user experience; to assist Baya’s customer service and technical support personnel; and put processes in place to prevent fraud and unlawful use. In an effort to make the Website effective and improve the Website, certain information may be collected each time you access the Website. Such information may be saved in server logs in an encrypted form which may not identify you personally. Such information or data may include, but shall not limit to, IP address, your server details, duration of your visit, date, time or purpose of your visit. In addition to cookies Baya uses web beacons, ad tags, pixels to advertise as part of the Services. The above mentioned data may be used by Baya and may be shared with their sponsors, investors, advertisers, developers, strategic business partners or other associates to enhance and grow the user experience in relation to the Website.
Purpose and Usage:
Baya uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalised online experience on its website. Further, it enables Baya to:
- Process applications, requests and transactions
- Maintain internal records as per regulatory guidelines
- Provide services to customers, including responding to customer requests
- Comply with all applicable laws and regulations
- Recognise the customer when he conducts online transactions
- Understand the needs and provide relevant product and service offers
- Obtain necessary rankings / ratings from various agencies (including Transunion CIBIL Ltd, Experian credit information company of India Pvt ltd, Equifax Credit Information Services Pvt Ltd, Crif Highmark Credit Information Services Pvt Ltd, Score Me Solutions Pvt Ltd)
Other uses of the information provided:
Baya makes all efforts to ensure that they collect only such Personal Information that they believe to be relevant in order to record, support, and facilitate your access to the website.
Sharing information with Third Party service providers in relation to the Services:
To the extent necessary to provide you the Services, Baya may provide your Personal Information to Third Party contractors who work on behalf of or with Baya to provide you with such services, to help Baya communicate with you or to maintain the Services.
Baya may offer email, short message service (sms), multimedia message service (mms) or other forms of communication to share information with you about certain promotions or features the Services may choose to offer or about their affiliates, subsidiaries, business partners, advertisers and sponsors. You may receive such communication when you have registered as a User.
Disclosure of Information:
Baya may make disclosures of information diligently which is required pursuant to law or court order or under any legal procedure. Baya may or may not notify you for the same.
Link to Third Party apps and websites:
Baya strives to ensure the security, integrity and privacy of your Personal Information and Sensitive Information. To protect your Personal Information / Sensitive Information against unauthorized access or unauthorized alteration, disclosure or destruction.
Baya is not responsible for any breach of security or for any actions of any Third Parties that receive your Personal Information / Sensitive Information. Baya is not/shall be not responsible for privacy policies or practices of such third parties as it is beyond Baya’s control.
Third Party content:
Baya has no control over and accepts no responsibility for the content of any website or mobile application to which a link from the Website exists (unless Baya is the provider of those linked websites or mobile applications). Such linked websites and mobile applications are provided “as is” for your convenience only with no warranty, express or implied, for the information provided within them.
Intellectual Property Rights:
Baya retains all rights (including copyrights, trademarks, patents as well as any other intellectual property rights) in relation to all information on or via this website (including all texts, graphics & logos)
Kindly note that Baya does not collect information about individuals except when such individuals specifically provide such information on a voluntary basis. Upon such voluntary disclosure of information, we may further verify, collate or receive information about you from publicly and commercially available sources, which we may combine with other information we receive from you. We may also receive information about you from third-party social networking services if you are already connected with those services. Baya shall, at all times, ensure to implement reasonable security practices and procedures (such as managerial, operational, physical and technical) for the purpose of protection, confidentiality and safeguarding of your personal data and information, including Personally Identifiable information, as the same is of vital importance to Baya . At Baya, we are strongly committed to protecting the information that you submit to us. Personal information of individual users will not be sold, shared or otherwise transferred to unaffiliated third parties without your approval at the time of collection for any purpose other than providing the Services. However, please note that although we take reasonable steps to protect your information, no website, internet transmission, computer system or wireless connection is completely secure.
Your information/inputs/queries as a registered user are required to serve you better and the same shall not be shared with anyone without your consent. However, we may disclose your personal data to agents or Associates of Baya and/or its group companies/affiliates to enable processing of transactions or communications with you “on need” basis. Your aforesaid information may be further used for assessment and analysis of our market, customers, products, and services and to understand the way people use our Services so that we can improve them and develop new products and services. However, it shall be on the basis that the agents are required to keep the information confidential and will not use the information for any other purpose other than to carry out the services they are performing for Baya and/or its group companies/affiliates.
No Contractual Obligation: