Introduction
Money Haven (TM)) operates the web site accessible from the URL www.moneyhaven.co.in (the ‘Web Site’). Money Haven is committed to protecting your privacy and utilising technology that gives you the most powerful, safe, online experience that you can get anywhere else. Money Haven does, however, gather certain information that is provided by you to us. Money Haven believes that by collecting this information Money Haven is able to provide you with a personalised user experience, and to assist its own sales team and advertisers in efficiently reaching an appropriate audience. Money Haven requests the minimum information it believes necessary to achieve this goal. The following discloses Money Haven information gathering and dissemination practices for the Web Site: System Data: Money Haven might use your IP address to help diagnose problems with our server and to administer the web site. Your IP address is used to identify you and your shopping cart and to gather broad demographic information.
By using the Platform or availing the Services, you agree to this Policy. Subject to applicable laws, the terms of this Policy (and any changes thereto) will become applicable to you retrospectively on and from the date of your first use of the Platform. If you do not agree to the terms of this Policy, please do not use our Platform and Services. Further, by using this Platform, you also confirm that you are either the owner of or are duly authorized to use and share the information that the Platform may require, and that you using the Platform does not violate any applicable law or contract by which you may be bound or is otherwise prejudicial to any person. You agree to indemnify us, our employees, owners, officers, agents, business associates, affiliates and agents from any loss, damage, expenses or other adverse consequence they suffer as a result of your usage of the Platform unless such loss, damage, expenses or other adverse consequence can be attributed to our act or omission.
Information We Collect
When you use our Platform or avail the Services, we seek or collect, amongst others information such as your name, mother’s name, father’s name, password, date of birth, gender, Permanent Account Number (PAN), signature, marital status, nominee details, cancelled cheque, photograph and video recording, email id, phone number, educational or professional qualification, business name, business address, nature of business, Goods and Services Tax Identification Number (“GSTIN”), Tax Deduction and Collection Account Number (TAN), bank account details, United Payments Interface (UPI) ID, and/or other payment and investment information and copies of KYC documents that helps us confirm your identity and facilitate provision of the Services through our Platform. No liability pertaining to the authenticity/ genuineness of the information disclosed will lie on us. Further, we will not be in any way responsible to verify any information obtained from you.
In case you are required to provide your Aadhaar details to us during account creation, you acknowledge and agree that the act of providing your Aadhaar details to us is voluntary. We require Aadhaar details solely for the purpose of carrying out KYC and for filing of ITRs.
We collect mobile numbers, e-mail addresses that you provide us on the Platform and use the same for sending various communications to you.
When you visit our Platform or avail the Services, we collect certain information about your interaction with our Platform including the pages that you view, your internet protocol address, the links you select or actions you take, browser type, the unique identifier of your device and device information such as operating system, operating system version, browser plug-ins, crashes, system activity, hardware settings, location based information, date and time of your request and referral URL, and cookies that may uniquely identify your browser and mobile application and the previously visited webpage.
We may retrieve your information and records available with third party provider including credit score and liabilities information or information from the KYC Registration Agency, Goods and Services Tax Network (“GSTN”) and National Informatics Centre such as name, KYC details, KYC status, father’s name, occupation, address details and related documents You hereby authorise the Company to download and retrieve any information from governmental and other statutory bodies including but not limited to GSTN and NIC.
When you avail the Services, we may after obtaining consent, access and read information from your device such as information from your SMS storage for the providing the Services. Further, certain Services require us to obtain access to the ability to make phone calls or send messages using your device. If you choose to avail such Services, by agreeing to this Policy and Terms you are providing your express consent to permit the Company to access the calling and messaging functionalities of your device.
In order to prepare your income tax return, to file your e-return, to assist on your tax matters, we collect information about your income, deductions, credits, dependents, etc. Collectively, this information is referred as “Tax Return Information”.
How We Use The Information
We do not sell or share your personal or financial information to anyone. However, notwithstanding anything contained in this Policy, you expressly acknowledge, consent and agree to the following terms on information use and further authorise us to access and use your information in the manner set out below:
a. to use your information to manage your account, to contact you and to operate, improve, and deliver our Platform and Services. We use your information to give you a customized, interactive experience as you use our Platform and avail the Services.
b. to use your information for maintaining a record of such information and your transactions in a secure and confidential manner, and as required under the applicable laws.
c. to use services of third parties to provide the Platform and Services for you, who use the information according to their own privacy policy on which we cannot have control.
d. to troubleshoot bugs and operational issues, to conduct data analysis, testing and research and to monitor and analyse usage and activity trends. Information collected may also be used to share communications to you about our products & services, provide additional features through cookies and to detect and/or prevent any fraudulent/criminal/prohibited activity as per applicable laws.
e. to share your information with judicial, administrative and regulatory entities to comply with any legal and regulatory requirements.
f. to summarize information about your usage and combine it with that of others to learn about the use of the Platform and Services and further to help us develop new products and services.
g. to retain copies of your completed and filed ITRs,GST Returns including retrieving information from governmental and other statutory bodies including but not limited to GSTN and NIC. This information may also be used to perform analysis or to provide you with a copy of your returns for your convenience.
i. to use your information to manage your account, to contact you and to operate, improve, and deliver our products and services, including the Platform. You further acknowledge, agree and authorise us to use your information for market research, project planning, product development, troubleshoot problems, analyse user behaviour, marketing purposes, and promotions.
j. to use your information to compute the charges for the products and services you purchase.
k. to use the contact information to communicate with you. You further expressly consent and authorise us to send you messages on your mobile number, call you on your mobile number, send you messages and communicate with you in any other manner including for the purpose of providing you Platform and Services and for marketing and promotional purposes.
l. to (by using your Tax Return Information) prepare and file your IT return, GSTR1 3B etc and provide related assistance and services.
m. to use third-party advertising companies to display advertisements. Such companies may use information about your visits to the Platform and Third-Party Platforms in order to provide advertisements about goods and services of interest to you.
n. to share your information with identified Strategic Partners, our third party service providers and our affiliates to host, use, copy, transmit, process, store, share, analyse, display, make derivations, and back up all data you submit to us through the Services and as required by us, including but not limited to personal data and any other data relating to financial information of yourself and others, for the purposes of (a) providing the Services requested by you, as set out in this Policy and enable you to use the Platform and avail the Services (including the services provided by our Strategic Partners, third parties and affiliates; (b) allow us to improve, develop and protect the Services; (c) create, market or provide new services through the Company or its Strategic Partners, group companies and affiliates; (d) communicate with you about our Platform and the Services; and (e) send you information we think may be of interest to you. You agree, represent and warrant that you have, and you will maintain, all rights to allow us, our Strategic Partners and/ or any third-party service providers, and our affiliates, to host, use, compile, copy, transmit, process, store, share, analyse, display, make derivations, and back up all your data and retain aggregated customer data, including without limitation in combination with data of other users.
o. to conduct audit of your records without any notice in case of apprehension of fraud;
p. to retain/ store your data and confidential information, of any nature (either wholly or partially), in our servers or cloud or otherwise in any other medium as may be transmitted/ processed/ passed through the Platform.
2.2. You acknowledge, agree and authorise us to collect, store, process your information and further transfer and share information (including personal information) with third parties, including Securities Exchange Board of India, National Stock Exchange of India Limited, Bombay Stock Exchange, Central Registry of Securitisation Asset Reconstruction and Security Interest of India (“CERSAI”), payment gateways, banks, KYC Registration Agencies, Asset Management Companies, Registrar and Transfer Agents, Mutual Funds, Income Tax Department etc.
2.3. If you Services provided by our Strategic Partners or our third-party service providers, your information may be governed by the terms of the privacy policy of such Strategic Partners and the third-party service providers. We will not be responsible or liable for the privacy practices of such Strategic Partners or any third-party service providers.
Cookie Policy
Like many websites, we use cookies, flash cookies, web beacons or similar technologies. “Cookies” are small text files that are stored on your computer or other device when you visit certain online pages that record your preferences and actions. We use cookies for a variety of purposes, including remembering you and your preferences, tracking your use of our Platform, and facilitating your use of Platform. Most web browsers automatically accept cookies, but, if you prefer, you can usually modify your browser setting to decline cookies. However, please note that refusing a cookie may limit your access and/or use of Platform and Services.
Registration Data: The Web Site’s registration form or our sales team or otherwise may require users to give us contact information (like their name and e-mail address), unique identifiers (like their PAN Number) and demographic information (like their pin code, age or income level,etc). We uses customer contact information from the form to send the users information about Money Haven and promotional material from some of Money Haven’s partners. The customer’s contact information is also used to contact the visitor when necessary. Unique identifiers (such as PAN numbers) are, collected to verify the user’s identity. Demographic and profile data is also collected by us. We use this data to tailor the user’s experience at the Web Site, showing them contents that we think they might be interested in, and displaying the contents according to their preferences. By submitting your contact details to Money Haven, you override your NDNC registration and authorise Money Haven and Money Haven’s representatives to contact you via a call, SMS, email and WhatsApp in order to assist you with the Services and any other assistance as you may require pursuant thereto.
Links and Co-Branded Sites: This site contains links to other Web Sites which are not necessarily been screened or reviewed by Money Haven. Money Haven is neither responsible for the privacy practices or the contents of such Web Sites nor shall be held answerable for the inaccurate, inappropriate or offensive data, material, information, products and services that may be viewed on those sites. Money Haven might operate a number of cobranded sites. Policies regarding information collection and sharing may differ on some of these co-branded sites. If you have any particular questions, you should check the privacy statement that appears on each co-branded site.
Order Forms: The Web Site uses an order form for customers to request information, products and services. The Web Site collects visitors’ contact information (like their e-mail address), unique identifiers (like their PAN number) financial information (like their account numbers) and demographic information (like their pin code, age or income level). Contact information from the order form is used to send orders, information about Money Haven, and promotional material from some of Money Haven’s partners to the visitors of the Web Site. The visitor’s contact information is also used to get in touch with the visitor when necessary. Financial information that is collected is used to check the users’ qualifications and bill the user for products and services. Unique identifiers (such as PAN numbers) are collected from Web Site visitors to verify the user’s identity.
Surveys and Contests: The Web Site’s online surveys ask visitors for contact information (like their e-mail address) and demographic information (like their pin code, age or income level). The Web Site uses contact data from its surveys to send the user information about Money Haven and promotional material from some of Money Haven partners. The customer’s contact information is also used to contact the visitor when necessary. Users may opt-out of receiving future mailings; see the choice/opt-out section below. Demographic and profile data is also collected at the Web Site. The Web Site use this data to tailor its visitor’s experience at the Web Site, showing them content that it thinks they might be interested in, and displaying the content according to their preferences. This information might be shared with advertisers on an aggregate basis. Money Haven may run contests in which we might ask users for contact information (like their e-mail address). Money Haven uses contact data from its contests to send users, information about Money Haven and promotional material. The customer’s contact information is also used to contact the visitor when necessary. Users may opt-out of receiving future mailings; see the choice/opt-out section below.
Third-Party Advertisement Servers: Money Haven engages the services of an outside advertisement company to display advertisement on the Web Site. These advertisements may contain cookies. While Money Haven uses cookies in other parts of the Web Site, cookies received with banner advertisements are collected by the Advertisement company, and Money Haven does not have access to this information.
Protection of your Data and Information: The privacy and protection of your data and information provided to us is of vital importance. Money Haven shall ensure to safeguard the security and confidentiality of any information you share with us. Any personally identifiable information of the customers obtained by us shall not be used or shared other than for the purposes for which the customers consents or for better provision of serivice. However security and confidentiality of information cannot be guaranteed cent percent. Hence despite our utmost efforts to protect your personal information, Money Haven and MoneyHaven.co.in cannot warrant the security of any information you transmit to us through our services. Such transmission of your personal information is done at your own risk.
Disclosure of Customer Information : Money Haven and MoneyHaven.co.in shall not deliberately disclose customer’s personally identifiable information to any unauthorized third person, save and except where such information shall be disclosed in good faith and for the purpose of law for the time being in force or to protect the rights and property of Money Haven and MoneyHaven.co.in or for better provision of services to customer. Information we share to vendors or others for better provision of service may use the information according to their privacy policy on which we cannot have control.
Public Forums The Web Sites may make chat rooms, forums, message boards and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information. Supplemental Information We may provide you with relevant updates on product and service offerings of our group and third-party service/product providers which we believe could be useful for you. The Web Site supplements the information that you provide with information that is received from third parties.