Privacy Policy

The primary work of this website is to work as an ‘intermediary’ between the customers who are willing to find prospective lawful alliances. The customer is also referred as ‘you’ and “BanqMart” is referred as ‘the website’ herein below for the sake of convenience.

Privacy policy of www.banqmart.com is subject to change at any time without notice. BanqMart reserves the right at any time, at its sole discretion, to change or otherwise modify the Privacy terms without prior notice, and your continued access or use of this Website signifies your assent/ratification of the updated or modified terms. If you object to these privacy terms or any subsequent modifications to these terms in any way, your only recourse is to immediately terminate use of the Website. The service provided by BanqMart through Website is available and appropriate only for use in UAE. To make sure you are aware of any changes, please review this privacy policy periodically.

Before you may use the Website, you must read all of these Privacy Policy provided on the Website. By visiting this Website, you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree with the same, you are advised not to use or access our Website.

By mere use of the Website, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to the Terms of Use. By using the website or availing any products, software, services offered by BanqMart or their partner institutions or third parties (“Services”), you understand and agree that BanqMart will treat your use of the Services as acceptance of these Terms from such point of usage. You may not use the Services if you do not accept the Terms. If you do not agree to be bound by these Privacy Policy, you may not use the Website in any way. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms in force.

BanqMart recognises the importance of maintaining your privacy. We value your privacy and appreciate your trust in us. This Policy describes how we treat user information we collect on BanqMart and other offline sources. This Privacy Policy applies to current and former visitors to our website and to our online customers. By visiting and/or using our website, you agree to this Privacy Policy.

TERMS OF PRIVACY POLICY
1. PROPRIETARY RIGHTS

You acknowledge and agree that BanqMart owns all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether registered or not). You further acknowledge that the Services may contain information which is designated confidential by BanqMart and that you shall not disclose such information without BanqMart 's prior written consent.

BanqMart grants you a limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of BanqMart's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.

2. USAGE OF THE WEBSITE

The Website is intended for personal and non-commercial use. You shall register to become a member of the Website only if you are of the age of 18 or above and can enter into binding contracts as per applicable laws. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as and when prompted by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or BanqMart has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, BanqMart shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.

By making use of the Website, and furnishing your personal/contact details, you hereby agree that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that BanqMart or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that BanqMart may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize BanqMart and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode.

You specifically understand and agree that by using the Website you authorize BanqMart, its affiliates, partners and third parties to contact you for any follow up calls in relation to the Services provided through the Website and for offering or inviting your interest in availing any other product or service offered by BanqMart or such third parties. You agree and consent to receive communications relating to all of the above on your phone/mobile number provided by you on the Website and expressly waive any registration or preference made under DND/NCPR list under the applicable regulations.

You agree and authorize BanqMart to share your information, with its group companies, vendors, service providers of BanqMart and other third parties, in so far as required for marketing purposes/offering/cross-selling various products and services and/or to provide you with various value-added services, in association with the Services selected by you or generally otherwise. You agree to receive communications through e-mails, telephone and/or SMS, from BanqMart or its authorised third parties. You also agree that BanqMart reserves the right to make your details available to its partner banks/financial institutions, vendors, service providers, business partners, agents or any other third party and that you may be contacted by such partners and/or the third party for information through email, telephone and/or SMS. If you request not to receive such communication/marketing material any further, it shall be applicable prospectively only and shall not apply in respect to your data already shared by BanqMart with its partners upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our partner banks/ financial institutions/third parties, we request you to kindly get in touch with them independently, without involving BanqMart.

You agree and acknowledge that for undertaking any financial transaction through the Website, BanqMart may undertake client/customer due diligence measurers and seek mandatory information required for Know-Your-Customer (“KYC”) purpose which as a customer you are obliged to give, while facilitating your request of products/services and other requirements with the banks/financial institutions, in accordance with applicable law and regulations. BanqMart may obtain sufficient information to establish, to its satisfaction or the banks/financial institutions, the identity of each new customer/user, and to ascertain the purpose of the intended nature of relationship between you and the bank/financial institution. You agree and acknowledge that BanqMart can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer due diligence requirements in line with the requirements and obligations under applicable laws and regulations.

The usage of the Website may also require you to provide consent for keying in your Personal Information (“PI”) (including but not limited to any personal data or sensitive personal data as defined under applicable law) or to authorize BanqMart to derive your data/information from any source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking KYC checks by BanqMart or any other authorised third party and/or to process your application through this Website. Your PI may also be used or shared with third parties, including but not limited to our authorised vendors, service providers, analytics and research partners, with the sole objective of making your experience on the Website better, faster, friction-less and paperless to the extent possible. However, BanqMart shall adhere to best industry practices and applicable laws related to the information security, data protection and privacy law while processing such applications. However, BanqMart shall not be liable to you against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with your explicit consent.

You shall not sell BanqMart’s or their authorised partners’ Products, Services, information, or software associated with or derived from it or use any robot, spider, other automatic device, or manual process to monitor or copy the Website and or its content or interfere or disrupt the Website; take any action that imposes an unreasonably or disproportionately large load on BanqMart’s infrastructure/network or use any device, or interfere or attempt to interfere with the BanqMart Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through BanqMart or to manipulate your presence on the Website.

You may only use the Website to search for and to apply for product or services as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local or international laws that might apply to you. Since the Website is in operation in UAE, while using the Website, you shall agree to comply with laws that apply to UAE and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.

You are prohibited from posting or transmitting to or through this Website: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website.

3. COLLECTION OF PERSONALLY INFORMATION AND OTHER INFORMATION:

When you use our Website, we collect and store your personal information which is provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. This allows us to provide services and features that most likely meet your needs, and to customize our Website to make your experience safer and easier. More importantly, while doing so we collect personal information from you that we consider necessary for achieving this purpose.

In general, you can browse the Website without revealing any personal information about yourself. Once you give us your personal information and other details, you are not anonymous to us. Wherever possible, we indicate which fields are required and which fields are optional. We may automatically track certain information about you based upon your behaviour on our Website. We use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve the customers. This information is compiled and analysed on an aggregated basis. This information may include the URL that you just came from (whether this URL is www.banqmart.com or not), which URL you next go to (whether this URL is on www.banqmart.com or not), browser information of your computer, and your IP address.

We use data collection devices such as cookies on certain pages of the Website to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety.

Cookies

A cookie is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in your computer's hard drive. The cookies do not contain any of your personally identifiable information.

We also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are session cookies, meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Website and you may be required to re-enter your password more frequently during a session.

Additionally, you may encounter cookies or other similar devices on certain pages of the Website that are placed by third parties like third parties providing services. We do not control the use of cookies by third parties.

If you choose to post messages on our message boards, chat rooms or other message areas or leave feedback, BanqMart will collect that information which is provided by you. We retain this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specified to you.

We collect personally identifiable information (email address, name, phone number, nationality, Id Cards information like passport, residence card, credit card / debit card / other payment instrument details, employment information, salary information, financial details etc.) from you when you provide such information to us. While you can browse some sections of our Website without providing such information, certain activities do require such information to us. We may use your contact information to contact you subject to the terms and conditions stated above.

A. Use of Demographic / Profile Data / Your Information

In our efforts to continually improve service offerings, we collect and analyse demographic and profile data about our users' activity on our Website.

We identify and use your IP address to help diagnose problems with our server, and to administer our Website. Your IP address is also used to help identify you and to gather broad demographic information.

We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, or income level). We use this data to tailor your experience at our Website, providing you with content that we think you might be interested in and to display content according to your preferences.

B. Sharing of personal information

We may share personal information with our other corporate entities and affiliates to help detect and prevent identity theft, fraud and other potentially illegal acts; correlate related or multiple accounts to prevent abuse of our services; and to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity. Those entities and affiliates may not market to you as a result of such sharing unless you explicitly opt-in.

We may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, enforcement authorities, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms and conditions and or Privacy Policy; respond to claims like an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public etc.

We and our affiliates will share / sell some or all of your personal information with another business entity, if we (or our assets) plan to merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business. If such a transaction occurs that other business entity (or the new combined entity) will be required to follow this privacy policy with respect to your personal information.

4. LINKS TO OTHER SITES

This Website may provide links to other websites or resources. Since BanqMart has no control over such third-party websites and resources, you acknowledge and agree that BanqMart is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that BanqMart shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Your interaction with any third party accessed through the Website is at your own risk, and BanqMart will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

5. CHOICE/OPT-OUT

We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general. If you want to remove your contact information from www.banqmart.com (website), its lists and newsletters, please visit ‘unsubscribe’.

6. ADVERTISEMENTS ON WEBSITE

We use third-party advertising companies to serve ads when you visit our Website. These third parties may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

7. YOUR CONSENT

By using the Website and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Terms and Conditions, Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.

If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

8. DATA PROTECTION AND GRIEVANCE

Data protection is of prime importance to us, and all the data related to the website shall be stored in a secured cloud server following all the standard data protection and security practices. We have even appointed a data protection officer (DPO) to oversee our data protection and privacy practices. If you have any questions about this privacy policy or any other queries, you can get in touch with us in the below

Email id: [email protected]

9. UPDATES TO THIS POLICY

This Privacy Policy was last updated on 14.10.2021 From time to time, we may change our privacy practices. We will notify you of any material changes to this policy as required by law. We will also post an updated copy on our website. Please check our site periodically for updates.