15. Collection of Sensitive Personal Data or Information

Kredere may for the purpose of rendering its services, collect personal information such as:

Name, Gender, Residential / Correspondence Address, Telephone Number, Date of Birth, Marital Status, Email Address or other contact information; PAN, KYC Status, Signature and Photograph; Bank Account, Medical Records and history or other payment instrument details;

Any other detail for providing services and any of the information received under personal information categories by Kredere for processing, stored or processed under lawful contract or otherwise.

Please note that any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal information.

Kredere offers an online platform system for carrying out trade transactions that collects such personal data or information to process your financial and non-financial transaction requests. The information so collected may be shared with SEBI / NSE / BSE / MCX / Asset Management Companies of Mutual Funds / Registrar and Transfer Agents / Collecting Banks / KYC Registration Agencies (KRAs), etc. solely for the purpose of processing your transaction requests or serving you better.

The information collected shall be used for the purpose for which it has been collected. Kredere shall not use or disclose Information for purposes other than as mentioned in this policy, except with the consent of user providing such Information or as required by law. However, Kredere may be legally required to disclose the Information in the following cases:

• Where the disclosure is necessary for compliance of a legal obligation;
• Where mandated under the law by government agencies to disclose such Information.

Kredere or its authorized agents shall not retain or store that information for longer than is required for the purposes except when the information may lawfully be used or is otherwise required under any other law for the time being in force.

Neither Kredere nor its representatives shall be responsible for the authenticity of such personal data / information provided to us. By agreeing to avail the service offered by Kredere you have agreed to the collection and use of your sensitive personal data or information by Kredere. You always have the right to refuse or withdraw your consent to share / dissemination of your sensitive personal data or information by contacting us. However, in such an event, you may not be able to avail the services of Kredere.

16. Communications

When you use the website or send emails or other data, information or communication to us, you agree and understand that you are communicating with us through electronic records and you consent to receive communications via electronic records from us periodically and as and when required. We may communicate with you by email or by such other mode of communication, electronic or otherwise.

17. Log File Information Collected and Stored Automatically

If you visit / log into our website just to browse, read pages or download information, we gather and store certain information about your visit automatically. This information cannot and does not identify you personally. When you register with or view our site, our servers automatically record certain information that your web browser sends whenever you visit our website. The kind of information that is gathered automatically include the type of browser you are using (e.g. Internet Explorer, Chrome, Firefox, etc.), the type of Operating System you are using (e.g. Windows or Mac OS) and the domain name of your Internet Service Provider, the date and time of your visit and the pages on our website. We sometimes use this information to improve our website design, content and primarily to give you a better browsing experience.

This notice / policy is not intended to and does not create any contractual or other legal rights in favour of any user or viewer of www.kredere.com or on behalf of any other party. However, users and viewers are informed that by using the website www.kredere.com, they are deemed to have consented to the collection and use of information by Kredere as stated above.

18. Updating or Reviewing your Sensitive Personal Data or Information

You may upon written request to us review the sensitive personal data or information provided. Kredere shall ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible.

19. Reasonable Security Practices for Protecting Information

Kredere uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. Kredere cannot, however, ensure or warrant the security of any information you transmit to Kredere and you do so at your own risk. Once we receive your transmission of information, Kredere makes commercially reasonable efforts to ensure the security of our systems. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. To protect your privacy and security, Kredere takes reasonable steps (such as requesting a unique password) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from Kredere, at all times.

20. Links to other websites

Our website sometimes has links to other website(s) in the World Wide Web. The privacy policies of these website(s) are not under our control. Once you leave our servers, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. It is advisable to read their privacy policies for further information. Your browsing and interaction on any other Web site, including those that have a link on our Web site, is subject to that Web site's own rules and policies. It is advisable to read their privacy policies for further information.

21. Notification Procedures

Kredere provides notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, written or hard copy notice, or through conspicuous posting of such notice on our Website page, as determined by Kredere in its sole discretion. Kredere reserves the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described in this Privacy Policy.

Kredere is not in any manner answerable, responsible or liable to any person or persons for any acts of omission or commission, errors, mistakes and/or violation, actual or perceived, by us or our partners, agents, associates, etc., of any of the Rules, Regulations, Bye-laws of the Stock Exchange, Mumbai, The National Stock Exchange of India, SEBI Act or any other laws in force from time to time. Kredere is not answerable, responsible or liable for any information on this website or for any services rendered by our employees, our servants, and us.

22. Changes to our Privacy Policy

Please note that this policy may change from time to time. If Kredere changes its privacy policies and procedures, Kredere will post those changes on Kredere's website to keep you / users aware of what information Kredere collects, how Kredere uses it and under what circumstances Kredere may disclose it. Changes to this Privacy Policy are effective when they are posted on this page. Please visit our website to keep yourself abreast of any changes to this Policy.