In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark Credit Information Services Pvt. Ltd. (“CIC”) through HT Digital Streams Limited (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

• The Company is my lawfully appointed agent, and he / it has agreed to be my agent obtain my Credit Information Report and Credit Score from CRIF High Mark Credit Information Services Pvt. Ltd (CRIF High Mark) for the purpose of rendering financial services such as but not limited to loans, credit cards, insurance, investment products etc (“Purpose”) and not for any other purposes.
• This consent shall be valid for a maximum period of 6 months or till such time the credit information is required to be retained to satisfy the Purpose for which it was intended, or I withdraw my consent at any time, by informing the same to the Company, at their registered office address, website, assigned email id or mobile application, whichever is earlier.
• I further authorize the Company to share with CICs, my personal information/details to procure my Credit Information on a monthly frequency and use the same to provide me with the said service.
• I confirm that this consent is given by my free will and not due to any solicitation by any person/entity.
• I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
• I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information, wherever authorized by me; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company;
• I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
• I agree that I may be required to record my consent / provide instructions electronically or physically as the case may be, and in all such cases I understand that by clicking on the "I Accept" button below or signing this Consent physically, I am providing "written instructions" to the Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize the Company to obtain such information to confirm my identity and display my Consumer Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button or signing this Consent physically, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.
• I understand that in order to deliver the Credit Information Report and Credit Score to me, I hereby authorize the Company to obtain my Consumer Credit Information from CIC.
• By submitting this registration form, I understand that I am providing express written instructions for the Company to request and receive a copy of my consumer credit report and score from CIC.
• I understand that the Credit Information Report and Credit Score is provided on an “as-is”, “as available” basis and CIC expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.
• I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all losses resulting from claims made against CIC by third parties arising from and in connection with this letter.
• I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof.

HT Digital Streams Limited (hereinafter referred as "HTDSL") recognizes the importance of maintaining the privacy of every user who visits our website. We value your privacy and appreciate your trust in us. We are committed to be transparent about the data we collect about you, how it is used and with whom it is shared.

This Privacy Policy applies when you use/visit our website, mobile or tablet application, or any other online service (collectively, the "Services") that links or refers to it. It does not governs or apply to information collected or used by HTDSL or its group companies through any other means.

By visiting and/or using our website, you agree to this Privacy Policy. We strongly recommend you to read this privacy policy so that you understand our approach towards the use of your personal data.

HTDSL is licensed to operate and manage the websites of HT Media Ltd. and its subsidiaries (hereinafter referred as "Company") . HTDSL manages hindustantimes.com, livehindustan.com and livemint.com domains.

We reserve the right to modify this privacy statement at any time as in required.

Information We Collect

We collect information directly from user(s), from third-parties and automatically through our websites/mobile applications.

Registration for the Services may require that you supply certain personal information such as name, age, sex, contact number, email address and demographic information (area, location, IP address etc) to register. To aid convenience, users can sign up on any of our sites, and we extend the same login credentials to sign in to any of the other sites. (Single Sign-on feature). You may also register or link your account through third party accounts such as Facebook, Google etc.

We collect limited information about your computer's connection to the Internet, including your IP address, when you visit our site. Your IP address does not identify you personally. We also collect and may store information that your computer or mobile device provides to us in connection with your use of our website/apps such as your browser type, type of computer or mobile device, browser language, IP address, mobile carrier, unique device identifier, location, and requested and referring URLs. We also receive information when you view content on or otherwise interact with our website/app/services, even if you have not created an account. We use this information to deliver our web pages to you upon request, to tailor our site to the interests of our users, to measure traffic on the website. This information may also be used by our advertisers/third party companies to personalize content, ads etc.

How We Collect Information

We collect information directly from you when you register with us.

• We collect information (whether you are registered or not registered with us) when you browse our sites/apps, open or respond to an email from us (promotional or informational)
• When you post a comment on our website or raise a query/question to us through phone or email.
• We collect information from you when you register with us by linking your social media or third party accounts. By doing this, you are authorizing them to share with us certain information from such accounts, and authorizing us to collect, store, and use this in accordance with this Privacy Policy.
• We collect information from you using third party tools, browser cookies and web beacons in order to improve user experience.
• Device Information: We may collect non-personal information about the computer, mobile device or other device you use to access the service, such as IP address, geo-location information, unique device identifiers, browser type, browser language and other information for the purpose of providing customized information on the browser.
• Location Information: Our mobile application and websites may capture your current location if you choose to enable GPS feature in the app or browser.

Cookie Policy, Pixels And Tracking

Cookies are small text files which contain a small amount of information that is downloaded to your computer or mobile device when you visit a website. When you visit the website again, or visit partner website which recognises that cookie, your device is able to communicate with our website and the website can read the information held in that cookie.

We use Cookies to help you efficiently browse our websites and to save you time by not having to re-enter your details/preferences each time you visit. Cookies allow us to provide you with information and show you content relevant to you. We also use Cookies to analyse how our customers interact with our websites so we can improve the customer journey.

You can choose to accept or decline cookies in your browser settings. Most web browsers automatically accept cookies, but you can usually modify your browser setting to reject cookies if you prefer. You may find more help about managing cookies in your browser: Chrome, Internet Explorer, Mozilla Firefox & Safari. This may prevent you from having complete website experience by affecting the access to some of the links, services or features. Information collected by cookies and web beacons is not personally identifiable.

Google Analytics: Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

Link to other Sites: Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

How We Use The Information

• To Provide and Manage the Services You Request:
  This includes, for example, processing your subscription, sending you electronic newsletters, or enabling you to participate in the features provided by the Services. It also includes providing personalized content and recommendations to you, including by email. Through such features, we are able to bring you information and content tailored to your individual interests and needs.
• To Reach You:
  We may periodically contact you with offers and information about the Services and our affiliates, including in connection with your accounts, online surveys, legal notices, news stories, new features that you are entitled to access, and other important information. You may opt out of receiving commercial email messages from us by following the instructions contained in those email messages.
• To Customise Advertising:
  We may use your information to facilitate the delivery of targeted ads, promotions, and offers to you, on behalf of ourselves and advertisers, on and off the Services. We may provide you with personalized services, such as recommendations on our websites, apps and in direct marketing and tailored advertising. This includes where we use cookies or similar technologies in relation to the devices you use, for example to make some of the adverts you see more relevant to you
• Understand Our Readers and Users:
  The Services conduct research on our users’ demographics, interests and behavior based on the information we collect. We do this to better understand and serve our users, and to improve our products and services.
• To Protect the Rights of the Services and others:
  We may use your personal information as we believe is necessary or appropriate to protect, enforce, or defend the legal rights, privacy, safety, or property of the Services, its employees or agents, or other users and to comply with applicable law.
• Consent:
  We may otherwise use your information with your consent or at your direction.

How We Share Your Information

The following provides information about entities with which we may share information. Our practices vary depending on the type of information.

• Logging In Through Social Media Services:
  If you log into the Services with a social media service or if you connect a social media account with the Services, we may share your information with that social media service. The social media services’ use of the shared information will be governed by the social media services’ privacy policy and your social media account settings. If you do not want your information shared in this way, do not connect your social media service account with your Services.
• Business Partners:
  We may also share your information with business partners to provide you with services that you request.
• Service Providers:
  We may share information with vendors providing contractual services to us, such as hosting vendors, advertising service providers, and list managers. We also may share your information, including your payment information, as appropriate to process your payments for the Services or complete a transaction.
• Other Parties When Required by Law or As Necessary to Protect Our Users and Services:
  We may share your personal information as we believe is necessary or appropriate to protect, enforce, or defend the legal rights, privacy, safety, or property of the Services, our employees or agents or users or to comply with applicable law or legal process, including responding to requests from public and government authorities.
• Affiliates:
  We may share information within our family of affiliated companies and business associates.
• Third Parties that Provide Content, Advertising, or Functionality:
  When you use our Services, third parties may collect or receive certain information about you and/or your use of the Services (e.g., hashed data, clickstream information, browser type, time and date, information about your interactions with advertisements and other content), including through the use of cookies, beacons, mobile ad identifiers, and similar technologies, in order to provide content, advertising, or functionality or to measure and analyze ad performance, on our Services or other websites or platforms. This information may be combined with information collected across different websites, online services, and other linked or associated devices. These third parties may use your information to improve their own services and consistent with their own privacy policies.
• Other Parties in Connection With a Corporate Transaction:
  We reserve the right to transfer any information we have about you in the event that we sell or transfer all or a portion of our business or assets to a third party, such as in the event of a merger, acquisition, or in connection with a bankruptcy reorganization.
• Otherwise With Your Consent or At Your Direction:
  In addition to the sharing described in this Privacy Policy, we may share information about you with third parties whenever you consent to or direct such sharing.
• We also may share other information with third parties in a manner that does not identify particular users, including, for example, aggregated data about how users are using our Services.
• Links to Third-Party Sites :
  Our Services may link to third-party websites and services that are outside our control. We are not responsible for the security or privacy of any information collected by other websites or other services. You should exercise caution, and review the privacy statements applicable to the third-party websites and services you use.

Transfer Of Personal Data

Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. We maintain servers around the world and your information may be processed on servers located outside of the country. Please note that we transfer the data, including personal data, to India, Japan and Singapore and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Children's Personal Data

We do not aim any of our products or services directly at children under the age of 13 and we do not knowingly collect personal data about children under 13. Some of our services may have a higher age restriction and this will be shown at the point of registration. If you are a minor i.e. under the age of 16 years, you may use our products or services only if the consent is provided by the holder of parental responsibility over you

How Long We Keep Your Personal Data

We retain your information for as long as it is necessary to provide you with the service so that we can fulfil our contractual obligations and rights in relation to the information involved. Where we do not need your information in order to provide the service to you, we retain it only as long as we have a legitimate business purpose in keeping such data or where we are subject to a legal obligation to retain the data. We will also retain your data if necessary for the establishment, exercise or defence of legal claims. For example, we may need to use it to answer your queries about a product or service and as a result may keep personal data while you are still using our product or services. We may also need to keep your personal data for accounting purposes, for example, where you have bought a subscription. If we no longer need your data, we will delete it or make it anonymous by removing all details that identify you. If we have asked for your permission to process your personal data and we have no other lawful grounds to continue with that processing, and you withdraw your permission, we will delete your personal data.

Access To Personal Information

You may access or modify your personal information by signing on to the website. We will not modify the information provided by you. However, you must update your personal information as soon as such changes are necessitated

Upon your request, we will close your account and remove your personal information from view as soon as reasonably possible, based on your account activity and in accordance with applicable law(s). However, we will retain the required personal information from closed accounts to comply with law, Avoid/check illegal and/or potentially prohibited activities and to enforce User Agreements; Comply with any court judgment / decree / order / directive / legal & government authority /applicable law; Investigate potential violations or applicable national & international laws; Investigate deliberate damage to the website/services or its legitimate operation; Detect, prevent, or otherwise address security and/or technical issues; safeguard p the rights, property or safety of company and/or its Directors, employees and the general public at large; Respond to Claims of third parties; and take such other actions as may be permitted by law.

Your Rights With Regard To The Personal Data That We Hold About You

If you would like to have a copy of the personal data we hold on you or if you think that we hold incorrect personal data about you, please write at privacypolicy@hindustantimes.com We will deal with requests for copies of your personal data or for correction of your personal data within one month. If your request is complicated or if you have made a large number of requests, it may take us longer. We will let you know if we need longer than one month to respond. You will not have to pay a fee to obtain a copy of your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive.

• Where you have provided us with consent to use your personal data, you can withdraw this at any time.
• Where applicable, you may also have a right to receive a machine-readable copy of your personal data.
• You also have the right to ask us to delete your personal data or restrict how it is used. There may be exceptions to the right to erasure for specific legal reasons which, if applicable, we will set out for you in response to your request. Where applicable, you have the right to object to processing of your personal data for certain purposes.
• You have the right to have data which we process based on your consent or in fulfillment of a contract automatically delivered to yourself or to a third party in a standard, machine-readable format. If you require the direct transfer of data to another responsible party, this will only be done to the extent technically feasible.

If we decide to change our Privacy Policy we will post the changes here. If the changes are significant, we may also choose to email all our registered users with the new details. If required by law, we will get your permission or give you the opportunity to opt out of any new uses of your data.

Deleting Your Information

You may submit a request to access or delete the information we have collected about you by sending your request to us at grievance.fs@htdigital.in We will respond to your request consistent with applicable law and subject to proper verification.

Reach Out To Us

For any complaint related to our services or content of the website the aggrieved person may raise the query/complaint within a period of 7 (seven) days from the date of first publication to the email id mentioned herein:
Email:
grievance.fs@htdigital.in

HT Digital Streams Ltd.

Corporate Office:
2nd Floor 18-20 KG Marg
New Delhi-110001

Phone:
+ 91 11 66561123