Privacy Commitment
Privacy Commitment
Privacy Commitment
Tata Capital Limited and its subsidiary and/or affiliate companies as defined under relevant laws including
Tata Capital Housing Finance Limited and Tata Securities Limited (hereinafter referred to as “Tata
Capital/we/our”), take privacy of its customers, or any other person visiting or using any office, branch,
website, portal, application or other platform provided by Tata Capital or communicating with us over
telephone, WhatsApp, face-to-face or any other method or availing the products and services physically
or vide the online application forms and questionnaires (hereinafter referred to as “User/you/your”) very
seriously and are committed to protect your personal data. This Privacy Commitment sets out the way in
which we collect, use, disclose, transfer, and store your personal data.
You are advised to carefully read the Privacy Commitment before using this or any other platform,
application or channels or communicating with us or sharing information/data. Tata Capital will not be
liable / responsible for any breach of privacy owing to User’s negligence.
Please note that our application and other digital platforms may contain links to third party applications /
digital platforms which are provided for your convenience. We are only responsible for the privacy
practices and security of our own digital platforms. We recommend that you check the privacy and security
policies and procedures of each and every other application / digital platform that you visit.
In broad terms, we use your personal data for the following purposes:
i. to administer and provide products and services you request or have expressed an interest
in;
ii. to communicate with you in the event that any products or services you have requested are
unavailable;
iii. for fraud screening and prevention purposes and to protect Tata Capital’s legal rights and
comply with Tata Capital’s legal obligations;
iv. for record keeping purposes, to comply with laws and regulations, and to comply with other
legal processes and law enforcement requirements;
v. to carry out market research so that we can improve the products and services we offer;
vi. to track your activity on our digital platforms;
vii. to create an individual profile for you so that we can understand and respect your
preferences;
viii. to personalize and improve your experience on our digital platforms and allow you to utilize
digital platforms’ features by granting Tata Capital access to information from your device;
ix. to personalize and/ tailor any communications that we may send you;
x. for profiling purposes to enable us to personalize and/or tailor any marketing
communications that you may consent to receive from us;
xi. to inform you about important details like Tata Capital’s digital platforms, change in terms,
conditions and policies and /or other administrative information important to meet your
interests;
xii. to address your requests and queries and manage your relationship with Tata Capital;
xiii. to access your eligibility for our products or services and provide you with such products or
services which you may have shown interest in or requested for;
xiv. to perform activities such as data analysis, audits, usage trends to determine the
effectiveness of Tata Capital’s campaigns and as input into improving products and services;
xv. for security and business continuity and risk management;
xvi. for system or product development and planning, audit and administrative purposes;
xvii. to meet the legitimate interests to be pursued by Tata Capital or by a third party.
H. When you sign up with us for an online account, register to receive marketing
communications from us, fill in one of our forms (whether online or offline), contact us or
otherwise expressly provide us with your personal data, we may collect and store any
personal data that you provide to us and may use it to personalize and improve your
experience on our digital platforms, provide products and services you request from us, and
carry out profiling and market research.
I. We may also infer your country of location from the IP address you have used to access our
digital platforms and we may analyze which marketing activity led to your taking specific
action on our digital platforms (e.g. downloading the app).
We want you to be the first to know about new products and services, and occasional offers from
our partners. We may share these offers with you only with your prior consent. You can
unsubscribe from receiving these offers by emailing us. Please note, if you don’t choose to receive
this information, we will be unable to keep you informed of new services, products, events or
special offers that may interest you.
A. We may process your personal data for legitimate interests, including providing you with
services and for service improvement purposes.
B. It may be deemed necessary to process personal data for the following purposes of legitimate
interests by us such as :
i. To deliver services in respect to requests raised by you.
ii. To ensure continued relationship with our customers, partners or suppliers.
iii. To prevent misuse or fraudulent activities on our platforms.
iv. To uphold performance of contracts with us.
v. Protecting our interests.
vi. To maintain compliance with legal obligations.
C. Tata Capital takes special consideration to ensure that the legitimate processing of data do
not override the fundamental rights and freedoms of the User.
7. WHAT ARE YOUR PRIVACY RIGHTS AND HOW CAN YOU EXERCISE THEM?
A. We provide you with reasonable access to view and review your personal data and request
correction and deletion where appropriate. In order to protect your privacy, we will take
reasonable steps to verify your identity before granting access to your personal data.
B. If you have any questions, comments or concerns about how we handle your personal data,
then you may contact us as per the details mentioned in paragraph 10 below:
C. You have the right to tell us if you:
i. would like to confirm whether the company processes data about you;
ii. would like to access your data;
iii. would like to correct or update your personal data;
iv. would like to port your data or would like a copy of the personal data which we hold
about you;
v. would like to delete your personal data in our records; and
vi. would like to withdraw a consent provided earlier
D. You also have the right to file complaint to the authorities.
E. To exercise any of the above listed rights you may contact the respective Privacy/Grievance
Officers as per the aforementioned details. To assist us in dealing with your request, please
provide your full name, address, date of birth, email address and some document for
identification.
We may change our Privacy Commitment from time to time and post the updated version of the
same. We encourage you to visit frequently to stay informed about how we use your personal
data.
9. PROHIBITED ACTIONS
While visiting or using our application or digital platform, you agree not to, by any means
(including hacking, cracking or defacing any portion of the
website/applications/portals/platforms) indulge in illegal or unauthorized activities including the
following:
i. Restrict or inhibit any authorized user from using application or digital platform
ii. Use the application or digital platform for unlawful purposes
iii. Harvest or collect information about application or digital platform’s users without their express
consent
iv. "Frame" or "mirror" any part of the application or digital platform without our prior authorization
v. Engage in spamming or flooding
vi. Transmit any software or other materials that contain any virus, time bomb, or other harmful or
disruptive component
vii. Remove any copyright, trademark or other proprietary rights notices contained in the application
or digital platform
viii. Use any device, application or process to retrieve, index, "data mine" or in any way reproduce or
circumvent the navigational structure or presentation of the application or digital platform
ix. Permit or help anyone without access to the application or digital platform to use the application
or digital platform through your username and password or otherwise.
If you have any questions about this Privacy Commitment or if you believe that your personal
data is not handled in accordance with the applicable law or this document, then you may contact
us as at [email protected]:
This Privacy Commitment shall be governed by the laws of India and the Courts of Mumbai (India)
shall have the exclusive jurisdiction to try any dispute arising thereof.