BGSE Financials Limited, a company incorporated under the laws of India, with its registered office at Stock Exchange Towers, No. 51, I Cross JC Road, Bangalore, Karnataka, India – 560027 (hereinafter referred to as “Company,” “We,” “Us,” or “Our”), is committed to protecting your privacy and ensuring the security of your personal information when you access our digital platforms and services.
This Privacy Policy explains how we collect, use, process, store, and share personal data. It applies to all users (“You” or “Your”) accessing or using our website www.bfsl.co.in or any of our associated digital platforms (collectively, the “Platform”).
By using our Platform or services, you consent to the terms of this Privacy Policy. This Policy is to be read in conjunction with and is subject to our Terms & Conditions. This electronic document is governed by the Information Technology Act, 2000 and does not require any physical or digital signature.
1. Information We Collect
We may collect the following types of information:
- Personal Information: Includes your name, contact number, email address, PAN number, Aadhaar (where applicable), address, financial information, and any other details voluntarily shared by you.
- Transactional Information: Details related to transactions carried out on our Platform.
- Non-Personal Information: Browser type, IP address, location, device information, operating system, and browsing patterns.
You are required to share certain mandatory details to avail full features of our services (e.g., investing in stocks, mutual funds, etc.). You can always choose not to provide optional data.
2. Use of Your Information
We may use your information for the following purposes:
- To enable and improve the services you request.
- To process your transactions and provide customer support.
- To personalize your experience on the Platform.
- To contact you for service updates, transaction alerts, marketing communications, and customer support.
- To comply with applicable legal and regulatory requirements.
- For internal analytics, product improvement, and fraud detection.
- To share marketing or promotional content, subject to opt-out provisions.
3. Sharing of Information
Your personal and transactional information may be shared with:
- Our group companies, affiliates, and subsidiaries, for offering integrated financial services.
- Authorized third parties, including vendors, service providers, and regulatory bodies, only to the extent necessary for service delivery, legal compliance, or fraud prevention.
- Statutory authorities, under applicable laws or pursuant to legal obligations.
- In connection with a business transfer, merger, or acquisition.
We do not sell or rent your personal data to any third party.
4. Email and Account Integration
We may offer features that allow you to link your email accounts with our Platform to aggregate your financial data. You will be explicitly asked for your consent before such integration.
We assure that:
- The information collected is used only to enhance your experience and deliver services.
- We will not use or share this data for advertising purposes.
- You may opt-out and de-link your email at any time via Platform settings.
5. Links to Third-Party Sites
Our Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties. Please review their privacy policies separately.
6. Data Security
We take data protection seriously and have implemented appropriate physical, technical, and managerial safeguards to protect your personal data.
However, no system is 100% secure. Therefore:
- We do not guarantee absolute protection.
- You are responsible for maintaining the confidentiality of your login credentials.
- Notify us immediately of any unauthorized access or suspicious activity.
7. Your Consent and Rights
- Consent: By using the Platform, you give consent to collect, process, store, and use your data as described in this Privacy Policy.
- Account Deletion: You may request deletion of your account and associated data by contacting our support team. Post-deletion, we may retain data in compliance with legal obligations or internal policies.
- Changes to Policy: We reserve the right to modify this Privacy Policy at any time. Updated policies will be posted on the Platform with the revised date. Continued use of the Platform constitutes acceptance of changes.
8. Grievance Officer
In accordance with the Information Technology Act, 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below:
Name: Mr. Jinesh C K
Email: sm_systems@bfsl.co.in
Phone: 080-66673308
9. Questions or Concerns
For any questions regarding this Privacy Policy or the handling of your information, you may contact us at:
Email: sm_systems@bfsl.co.in
Phone: 080-66673308
Website: www.bfsl.co.in
10. Governing Law & Jurisdiction
This Privacy Policy shall be governed by the laws of India. Courts located in Bangalore, Karnataka shall have exclusive jurisdiction over any disputes arising from this policy.
11. Changes to this Policy
This Privacy Policy may be updated periodically without prior notice. It is your responsibility to review the Policy regularly. Continued use of our Platform constitutes your acceptance of any changes.
If you do not agree with any terms or future changes, please discontinue use of our services and contact us for assistance.