We automatically collect information about your internet connection, including but not limited to:

❑ The name of the Internet domain you used to access the Internet

❑ The IP address of the web site from which you linked directly to our Site

❑ The content you submit

❑ The date and time you accessed our Site

❑ The pages you visited

This information ("Non-Personal Information") does not identify you personally. We use this Non-Personal Information to monitor the effectiveness of the Site and Products, to identify areas of interest and to consider potential improvements to the Site, apps and products.

We request that you provide certain personally identifiable information ("Personal Information") when you register to participate in services of our Website. We request that you provide name, mailing address, telephone numbers, e-mail address, date of birth, qualification certificate, Aadhar Card, PAN Card, and payment information such as credit card, PayPal and other financial information as applicable. We also require you to submit a user name and password of your choice for future access to your information. Your user name and password is to remain confidential and you should not share this information with anyone. We request you to provide us information regarding your personal accounts and/or profiles on third-party social networking sites such as Facebook and Twitter so that we can use it to advertise our services by stating that you use services of our Website. Providing such information is voluntary, and by providing such information, you consent to our collection and use of it, as described in this Privacy Policy. We do not knowingly collect personally identifiable information from a child under the age of eighteen (18) without prior guardian consent. Our Website and products contain features useful to children; therefore, children should not be granted access to any passwords or use of the parent or guardian’s account without direct monitoring and supervision by the parent or guardian. We are not responsible for any unauthorized use of accounts, and we encourage everyone to protect their passwords and not disclose them to anyone. You may choose not to provide Personal Information via the Website, and you may choose not to participate in the Website.

We collect information when you send us an inquiry, suggestion, comment or request including any email or mailing address or telephone number you provide so that we may respond. We collect information when you choose to participate in a survey or promotion.

We use Personal Information obtained from you to process our services. In the process, you must provide additional financial information such as credit card number, expiration date, wire transfer or account information. This information is used for billing purposes and to fulfill services.

We do not disclose any Personal Information to non-affiliated third parties, except as necessary for us to provide our services to you, or as permitted by law, (like giving you credit for rewards, carrying out a transaction you have requested, operating or managing our business, or responding to legal process).

We may disclose any Personal Information we collect with our affiliates, including for purposes of internal audit, management, billing or administrative purposes including defending and bringing legal actions.

We are concerned about identity theft and the practice currently known as "phishing". Our top priority is to protect you from identity theft. We do not and will not, at any time, request your credit card information, your account ID, login password, or national identification numbers in a non-secure or unsolicited e-mail or telephone communication

We use a credit card processing company to bill users for purchases and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes. We use third party service providers, contractors and clients to facilitate the Website and the services we provide, and they may have access to Personal Information. In the event we merge or consolidate with another institution, Personal Information may be transferred to the successor entity. We may also disclose Personal Information if we are required to do so by law.

We may share Non-Personal Information, including aggregated demographic and statistical information, with our affiliates, partners, contractors, clients and others. Such information could be used to provide us with statistical or other analysis.

We may share Non-Personal Information with our affiliates, partners, contractors, clients and others in connection with reviews or surveys that you submit to us to post on our Website or other websites or on third-party social networking sites such as Facebook and Twitter.

We collect feedback from users about their experience with other users of the Service. Feedback that you provide on our Website will be publicly viewable.

We may send you emails for:

❑ Customer service required to maintain our Website program and services;

❑ Promotion of our Services;

The use of cookies enables us to enhance your visits to the Website. Cookies are alphanumeric identifiers that are transferred to your computer's hard drive through your web browser. The help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, but this may limit your ability to use some features of the Website. Cookies enable us to recognize your browser and provide features that are tailored to your needs.

We may use information from cookies for purposes of planning and tracking, as well as assessing the technical function of the Website and products. We may also use cookies to track information about which pages you visit within the Website to help us gauge the effectiveness of the Website or our services or products.

If you are located outside India and choose to provide information to us, we transfer and process your Personal Information to India or in other locations that we decide necessary or convenient in order to provide you with efficient and effective service. By accepting this Privacy Policy you agree to such transfer of your Personal Information to India. Your information may be transferred to and maintained on computers located outside of your country, state, province, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction.

We may provide links on the Website to other sites of interest or to sites that perform services for us. We do not review or endorse the content of these sites or guarantee that they will abide by this Privacy Policy. Your use of such linked sites is subject to the terms and conditions and privacy policies of the providers of those sites. We encourage you to be aware when you leave our Website and to read the privacy statements of each Website that collects Personal Information.

While we strive to secure your Personal Information, even reasonable security measures do not guarantee the security of any information you transmit via the internet, including information submitted to our Website. We cannot guarantee that information it seeks to protect will be protected under all circumstances, including those beyond its reasonable control. By accessing our Website, you agree that you transmit information to our Website via our Website at your own risk.