Please read this Privacy Policy carefully.

Green Malabar Finance Ventures Ltd, is a private limited company incorporated under the Companies Act, 1956 having its registered office located at 20C/2A, Sarangapani Street, T Nagar, Chennai 600017 (hereinafter shall be referred to as “Company”, “We”, “Us”, “Our” and terms of similar meaning).

This website is published and maintained by one of the Company’s division namely, Petro Money Fintech. This Privacy Policy and disclaimer, as amended from time to time (“Privacy Policy”) is applicable to www.petromoney.in and all other sub-domains of the Company which also comprises of the mobile site, smartphone app platforms such as iOS, android, windows (all together referred to as “Website”). This Privacy Policy does not apply to the websites of our business partners, corporate affiliates or to any other third parties, even if their websites are linked to the site. We recommend you to review the respective privacy statements of the other parties with whom you interact.

By accessing the Website or otherwise using the Website, you (hereinafter referred to as “You”, “Your”, “User”, “Customer” as applicable) expressly consent to Our collection, storage, use and disclosure of the Information (as defined hereunder) in accordance with the terms of this Privacy Policy & disclaimer. If You do not wish to provide any Information as may be required mandatorily to complete the transactions on the Website, We will not be able to provide the services to You or facilitate the transactions proposed to be conducted by You on our Website and this inability to provide the services, will be without any liability to Us. By accessing and using the Website, You consent to the use of Your Information in accordance with this Privacy Policy. We will not share any User Information with any third party without Your consent, except as outlined in this Privacy Policy or as permitted by law. The collection, usage, and sharing of User information by Us shall be in compliance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and other applicable laws, as amended from time to time.

As We update, improve and expand the Website, this Privacy Policy & disclaimer may change at Our sole discretion without notice, so please refer back to it periodically as You will be deemed to be governed by the terms of such modified Privacy Policy & disclaimer, as it comes into effect from time to time. By using Our Website, you are deemed to have read, acknowledged and accepted all the provisions stated herein this Privacy Policy & disclaimer, including any changes that we may make from time to time. This online Privacy Policy & disclaimer applies only to Information collected through our Website and not to Information collected offline.

1. TYPE OF INFORMATION COLLECTED

Our primary goal 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 the Website to make Your experience safer and easier. More importantly, while doing so, We collect personal, non-personal and other information and correspondences from You, as detailed below, that We consider necessary for achieving this purpose (such information and correspondences hereinafter collectively referred to as “Information”):

• Personal Information: Personal Information shall include all information that can be linked to a specific individual or to identify any individual, such as the following (“Personal Information”), which has been provided by You to Us on Our Website:
• (i) demographic data which includes name, gender, date of birth, nationality, address, zip code mailing address;
• (ii) contact data which includes telephone number, email address, etc.

Please note that the above list is not an exhaustive list and is only an illustrative list and is without prejudice to Our right to seek further Personal Information, as may be required for the provision of the services to You.

Note: Any content on the Website shared by You or end users via reviews, blogs, online chat or instant messages, forums, user testimonials etc., are not considered as Personal Information and is not subject to the terms of this Privacy Policy. We will not be responsible for the accuracy or filtration of any of the content posted on Our Website by You or any end user, however, We will be entitled to remove any content posted by any person on Our Website which We, in Our sole discretion, consider offensive, discriminatory, racist, defamatory or inappropriate in nature.

When browsing our Website, you are not required to provide any Personal Information unless and until you choose to provide us with Your Personal Information or sign up for one of our e-mail newsletters or other services as available on the Website. You may, however, visit our Website anonymously.

• Non-Personal Information: When You visit the Website, We may collect certain non-personal information such as domain and host from which You access the internet, Your internet protocol address, operating system, browser type, and internet service provider. This type of information does not identify You personally.
• Automatic Information: To improve the responsiveness of the Website for You, We may use “cookies”, or similar electronic tools to collect information to understand the End User’s individual interests. These server logs may include information such as Your web request, internet protocol address, browser type, browser language, the date and time of Your request and one or more cookies that may uniquely identify Your browser. We use cookies primarily for user authentication but may also use them to improve the quality of our service by storing user preferences and tracking user trends.
• Mobile: When You use the Website through Your mobile, We may receive information about Your location and Your mobile device, including a unique identifier number for Your device. We may use this Information to provide You with suggestions in respect of services if required.
• User communications: When You send emails or other communications to Us, we may retain those communications in order to process Your inquiries, respond to Your requests and improve our services provided through the Website.
• Information on behalf of Children: If you are a parent or a legal guardian of a minor child, you may, in compliance with the terms use the Website on behalf of such minor child. You also expressly undertake that You have the authority to share such Information on behalf of your child. Any Information that You provide while using the Website on behalf of your minor child will be treated as Personal Information unless otherwise provided herein. If You have reason to believe that a minor child has provided Personal Information to Us through the usage of Our Website, please contact Us at info@petro.money and We will endeavour to delete that information and terminate the minor’s account from our databases.

2. HOW WE USE YOUR INFORMATION

We may use the Information We collect from You and about You in any one or more of the following manner:

• To process, fulfill Your request for services and contact you for the products / services offered by us;
• To improve our Website, provide You with superior services and a range of offers;
• To diagnose technical problems, provide customer support;
• To contact You including to send You communications that You have requested or that may be of interest to You by way of emails, or courier, or registered post, or telephone calls, or any other mode of communication;
• Notify You about changes to Website;
• In any other way We may describe when You provide the Information;
• To avoid fraud and other prohibited or illegal activities;
• We may use and disclose Information, in good faith, wherein the access, use, preservation or disclosure of such information is reasonably necessary to (i) satisfy (which may be without notice to You) any applicable law, regulation, legal process or enforceable governmental request, (ii) enforce this Privacy Policy, including investigation of potential violations thereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, or (iv) protect against imminent harm to the rights, property or safety of the Company, its users or the public as required or permitted by law;
• For any other purpose with Your express consent.

3. SHARING OF INFORMATION

For the purposes of Our Website, We shall be sharing Your Personal Information with any of Our business partners (including advertisers), administrators, vendors, agents, service providers or affiliates for legitimate business purposes (including offering the products / services, and providing services to You), in accordance with applicable law. For example, companies We have hired to assist in protecting and securing Our systems and services may also need access to Personal Information to provide those functions.

However, We do not sell, trade, or otherwise transfer Your Personal Information to outside parties other than for the purpose it is collected for except in the following ways:

• legal and regulatory authorities, upon request, or for the purposes of reporting any actual or suspected breach of applicable law or regulation, for the purposes of prevention, investigation, detection or prosecution of criminal offences or the execution of criminal penalties, including safeguarding against and the prevention of threats to public security;
• outside professional advisors (such as accountants, auditors, or lawyers), subject to binding contractual obligations of confidentiality;
• any relevant party, law enforcement agency or court, to the extent necessary for the establishment, exercise or defense of legal rights;
• If You interact with social media features on Our Website or use Your social media credentials to log-in or post content (as maybe applicable), these features may collect information about Your use of the Website, as well as post information about Your activities on the social media service. Your interactions with social media companies are governed by their privacy policies;
• Collective information such as demographics and website usage statistics with Our sponsors, advertisers or other third parties whose practices are not covered by this Privacy Policy. When this type of information is shared, such parties do not have access to your Personal Information.
• Transfer of sensitive personal information under a contract subject to maintaining the same level of data protection; and
• Additionally, in the event of an audit, reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of Our business, assets or stock (including in connection with any bankruptcy or similar proceedings), We may share/transfer/assign the Information We have collected to the relevant third party, subject to such party maintaining the same level of data protection.

4. DATA RETENTION

We shall be entitled to retain Your Information for Our record for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law after the deletion of Your Account with us and such Information shall be used by Us only in consonance with this Privacy Policy & disclaimer. The criteria for determining the duration for which We will keep Your Personal Information are as follows:

• We will retain copies of Your Personal Information in a form that permits identification only for as long as is necessary in connection with the purposes set out in this Privacy Policy;
• if there is a legal obligation to which We are subject (for example, certain laws require Us to keep records of Your transactions for a certain period of time before We can delete them); or
• keeping in view the legitimate interests of the Company (litigation or regulatory investigations).

5. ACCESSING AND UPDATING YOUR INFORMATION

When You provide your Personal Information on our Website, You are opting in to receive emails from Us. We will take reasonable steps to accurately record the Personal Information that You provide to Us and any subsequent updates. You may at any time access, delete or change your Personal Information or subscribed services.

6. SECURITY

We use reasonable security measures to protect Information from unauthorized access, maintain data accuracy and help ensure the appropriate use/disclosure of Information. These safeguards take into account the sensitivity of the Information that We collect, process and store and the current state of technology. We follow generally accepted industry standards to protect the Personal Information submitted to Us, both during transmission and once We receive it. We host the Website in a secure server environment that uses firewalls and other advanced technology to prevent interference or access from outside intruders and Our email services have the most advanced security infrastructures. It protects Personal Information with multiple layers of security, including leading encryption technology like HTTPS and Secure Sockets Layer. Although We provide appropriate firewalls and protections, We cannot warrant the security of any Personal Information transmitted as Our systems are not hack proof. Information pilferage due to unauthorized hacking, virus attacks, technical issues is possible and We take no liabilities or responsibilities for it.

Further, please note that You are responsible for maintaining the security and confidentiality of Your account, user ids and passwords or any other Personal Information while accessing the services. If We receive instructions using Your user name and password, We will consider that You have authorized the instructions.

7. COOKIES

• The Company uses cookies to personalize Your experience on the Website and to display advertisements or send you emails of offers of Your interest (provided you have not opted out of receiving such emails)). Cookies are small pieces of information that are stored by Your browser on Your device’s hard drive. Cookies allow You to easily access our Website, by logging You in without having to type your login name each time.
• By using this Website You agree that We can place cookies on Your computer or device as explained above. However, You can control and manage cookies in various ways. Removing or blocking cookies can impact user experience and parts of this Website may no longer be fully accessible.
• Most browsers will allow You to delete them on an individual basis or block cookies from particular or all websites. In the event of You deleting all cookies, you will lose any and all preference You have set including Your preference to opt-out from cookies.

8. LINKS TO THIRD PARTY SITES

The Website may include links to third party applications/websites (“Third Party Sites”). Such Third Party Sites are governed by their respective privacy policies, which are beyond Our control. Once You leave Our Website, use of any information You provide is governed by the privacy policy of the operator of the Third Party Site You are visiting. That policy may differ from Ours. If You can’t find the privacy policy of any of these Third Party Sites, You should contact the relevant Third Party Site directly for more information.

We do not provide any Personal Information or personally identifiable information to third party websites/advertisers/ad-servers without Your consent.

9. YOUR CONSENT

By using the Website and/ or by providing Your Information, You consent to the collection and use of such Information in accordance with this Privacy Policy & disclaimer, including but not limited to Your consent for sharing Your Information as per this Privacy Policy & disclaimer. You specifically agree and consent to us collecting, storing, processing, transferring and sharing Information (including Personal Information) related to You with third parties, service professionals or to registered vendors/users for the purposes as set out in this Privacy Policy & disclaimer.

You may withdraw Your consent to submit any or all Personal Information or decline to provide any permissions on its Website as covered above at any time. In case, You choose to do so then Your access to the Website may be limited, or We might not be able to provide the services to You. You may withdraw Your consent by sending an email to info@petro.money

10. INDEMNIFICATION

You agree to indemnify Us, Our subsidiaries, affiliates, officers, agents, partners, and employees and hold Us harmless from and against any claims and demand, including reasonable attorneys’ fees, made by any third party arising out of or relating to: (i) Personal Information and contents that You submit or share through the Website; (ii) Your violation of this Privacy Policy, or (iii) Your violation of rights of other person(s).

11. LIMITATIONS OF LIABILITY

You expressly understand and agree that the Company, including its affiliates, directors, officers, employees, representatives, business partners, shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, information, details or other intangible losses (even if You have been advised of the possibility of such damages), resulting from; (a) use of, or the inability to use the Website and/or services; (b) failure or delay in providing the services; (c) any loss or damage arising out of Your failure to adhere to Your obligations under the disclaimer and/or this Privacy Policy and/or; (d) unauthorized access to or alteration of Your Personal Information or otherwise.

12. CONTACTING US

If You have any grievance with respect to the Website, You can contact our grievance officer at:

Name : Ramesh Ramakrishnan

Designation: Chief Digital Officer

Email: Ramesh.R@Petromoney.co.in

13. GOVERNING LAW & JURISDICTION:

This document shall be governed by, construed and enforced under the laws of India and Courts in Chennai, India shall have exclusive jurisdiction.

Thank you for using the Website!

Last updated on: 09-Sep-2020