Bank EMI Marketing and Consulting Private Limited (“Bank EMI”/“Company”/“BankEMI.in”), which includes the online platform(s) www.bankemi.in, acknowledges the significance of maintaining your privacy. BankEMI.in is committed to upholding the confidentiality, integrity, and security of all user information.
This Privacy Policy outlines how BankEMI.in collects, stores, handles, and transfers certain information from you through the use of the Website, as required. This Privacy Policy applies to all visitors to our Website, as well as our current and future customers. By continuing to use our Website, you are accepting and consenting to the practices outlined in this Privacy Policy.
By using or continuing to use the Website, you agree to our use of your information (including sensitive personal information as defined under the Information Technology Act 2000, and relevant rules, notifications, etc.) in accordance with this Privacy Policy, as may be amended from time to time by Bank EMI at its sole discretion.
Your personal data and information will be collected and stored on servers located in India by Bank EMI Marketing and Consulting Private Limited, along with its parent company (including representatives, affiliates, and business partners).
The information we gather from customers helps us personalise and continuously improve their experience on the Website. Here are the types of information we collect:
We receive and store certain types of information whenever you interact with us. For example, we use “cookies” to obtain certain types of information when your web browser accesses the Website or content served by or on behalf of the Website on other websites.
A cookie is a piece of data stored on your computer, tied to information about the user. We may use both session ID cookies and persistent cookies. Session ID cookies terminate and are erased once you close your browser or log out, while persistent cookies remain stored on your computer’s hard drive for an extended period.
You can configure most browsers to prevent the acceptance of new cookies, receive notifications when a new cookie is received, or disable cookies entirely. However, we recommend leaving cookies turned on to take full advantage of essential features on the Website. Blocking cookies may limit access to certain products and services that require you to sign in.
BankEMI.in collects your information when you register for an account, use our products or services, or visit our Website pages. When you register, you provide personal details such as first name, last name, email address, city of residence, and date of birth. Once registered, you are no longer anonymous to us. You are also asked to provide a contact number during registration, and you may receive SMS or notifications about our services on your device.
By registering, you authorise BankEMI.in (including its business partners and affiliates) to send you text messages and email alerts with login details and service updates, including promotional messages. Your authorisation remains valid as long as your account is active, unless you withdraw your consent. BankEMI.in may also, with your consent, access your camera, microphone, location, and mobile device for the purpose of service facilitation and compliance with applicable laws.
BankEMI.in does not sell, rent, or otherwise disclose your personal information for commercial purposes in ways contrary to the commitments in this Privacy Policy. We may share your information with third parties, including our business partners (banks, NBFCs), CICs, and service providers with whom we have agreements, for purposes outlined in this Privacy Policy.
These third parties must handle your information with the same level of care and confidentiality, as per our instructions, applicable laws, and your consent.
BankEMI.in may also share your information without prior written consent with government agencies when required by law for identity verification, fraud prevention, or legal obligations. If you apply for third-party services through the Website, such as loans or credit cards, those providers will also have access to your information. Their use of your data will be governed by their privacy policies in addition to ours.
BankEMI.in stores your personal information on servers located in India, retaining it as required for servicing customer needs, or as mandated by agreements with business partners. Data retention complies with applicable legal and regulatory requirements.
In certain cases, we may retain information for an extended period for purposes such as legal investigations or product/service improvements.
You have the right to control the personal and non-personal information collected from you. You may choose what information to provide or restrict disclosures to third parties, but this may affect your ability to access services. If you opt out of receiving marketing materials, you can adjust your preferences via your account or use the ‘unsubscribe’ option in our emails. You will still receive notifications about service updates. You can review or correct your information by logging into your account on the Website.
If you wish to withdraw your consent to the collection and use of your information, or request the deletion of your data, you may write to us at consentrevocation@bankemi.in. After verifying your request, we will process it within 45 days. However, we may retain your data if legally required to continue providing services. In such cases, withdrawal of consent may result in the termination of services.
We use log files to collect information such as IP addresses, browser type, ISP, and timestamp to analyse trends and administer the site. We may combine this automatically collected information with other data to improve services.
BankEMI.in employs robust technical and organisational security measures to protect your information. We adhere to industry-standard practices to safeguard data but cannot guarantee absolute security due to the nature of internet transmissions.
We may use third-party advertisers or agencies to serve ads. These companies may use non-personally identifiable information from your visits to show relevant ads. Links to third-party websites may be present on our site, but BankEMI.in is not responsible for their privacy policies.
BankEMI.in reserves the right to amend this policy from time to time. We encourage you to review this page periodically to stay updated on any changes.