PRIVACY PRACTICES NOTICE
INFORMATION WE MAY COLLECT AND USE
We collect information about you, which we may share now or in the future. We do this to help us identify you as our customer or our former customer, to process your transactions and requests quickly, to provide investment services to you or tell you about products or services we believe you may want and use. The information that we collect is gathered in two ways:
- Automatically (example through our sites technology)
- Voluntary Information provided by you directly when you visit the pages of our website.
Automatic collection of information
In some instances, CBFR automatically collects certain types of information when you visit our web sites and through emails that we may exchange. Automated technologies may include the use of web server logs to collect IP addresses and "cookies". The collection of this information will allow us to better understand and improve the performance, usability and effectiveness of CBFR web site and to measure effectiveness of our marketing activities.
An IP address is a number assigned to your computer whenever you access the internet. It allows computers and servers to recognize and communicate with one another. IP addresses from which visitors appear to originate may be recorded for IT security and system diagnostic purposes. This information may also be used in aggregate form to conduct web site trend and performance analysis.
If you subsequently register with CBFR web site, this information may be linked to a cookie in order to enhance and personalize your online experience (e.g., by welcoming you back when you return or providing you access to your registration information).
You have the choice of deciding whether to accept cookies or not. You can set your browser to notify you when you receive a cookie or to reject cookies. However, please be aware that if you do not accept cookies, you may not be able to fully experience some of our Web site features.
Direct Voluntary Information that we collect includes:
Information from you – When submitting your application or new account form, you may give us information such as your name, address, Social Security number, financial, health and employment history.
Information about your transactions – We may keep information about your transactions with our company, for example, the products you purchase from us, the amount you paid for the insurance, your account balances, or payment history.
Information from outside our company – We may also collect other information that may include information from consumer reporting agencies such as your credit history, credit scores, driving or employment records. It may also include information from other individuals or businesses, such as demographic information.
HOW WE TREAT YOUR INFORMATION
CBFR, may share the information described above with our service providers. These providers may require access to information about you to process or service transactions you have requested, to provide efficient customer services, or to inform you of our products or services you may find useful. Our service providers may be affiliated or unaffiliated, and may include financial service providers (for example, third party administrators, brokered dealers, insurance agents and brokers, registered representatives, companies that perform marketing services on our behalf, reinsurers, other financial institutions with whom we have joint marketing agreements) or non-financial companies and individuals (for example, consultants, vendors, and the Medical Information Bureau). Please be assured that we require these service providers to safeguard your personal information and to use or disclose it only for the work they are performing on our behalf, or as permitted by law.
We may provide information to regulatory authorities and law enforcement officials in accordance with applicable law, or to others when we believe in good faith that the law requires it. In the event of a sale of all or part of one of our businesses, we may share customer information related to that business as part of the transaction. Unlike many other financial institutions, CBFR, does not sell or share your information with marketers outside our company who may want to offer you their own products and services. Neither do we share information we receive about you from a consumer-reporting agency. You do not need to take any action for this benefit.
SECURITY OF INFORMATION
Keeping your information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect your information. Employees are authorized to access your information only when they need it to provide you with products and services or to maintain your accounts. You should understand that the open nature of the Internet is such that data may flow over networks without security measures and may be accessed and used by people other than those for whom the data is intended.
MAKING SURE INFORMATION IS ACCURATE
We want to make sure that we have accurate information about you. Generally, upon written request, we will make your personal information available for your review. Information we have collected in connection with or in anticipation of a claim or legal proceeding will not be made available. If you believe that any of our records are inaccurate, you may notify us in writing of any corrections, amendments or deletions that you believe should be made.
Questions about accessing or correcting your personal information should be directed to Cross Border Financial Research (P) Ltd., L-30, Ist Floor, Lajpat Nagar -II, New Delhi - 110024 , India