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Privacy Policy

Nav Varta and our affiliated companies worldwide are committed to respecting your online privacy and recognize your need for appropriate protection and management of any personally identifiable information (personal information) you share with us.

At Nav Varta we collect different types of information about our users for three main reasons:
1. to help us to improve the services we offer
2. to provide personalized services unique to individual users use anonymous details about our users to sell appropriate advertising space on the site. This might mean showing an advertiser how many users we have on the site; it does not mean sharing an individual's details with an advertiser. Where we collect registration information from an individual, we will never share that individual’s information with a third party, including an advertiser, without that user’s explicit permission.
Cookies and Other Tracking Technologies
Some of our Web pages utilize “cookies” and other tracking technologies. A “cookie” is a text file that may be used, for example, to collect information about Web site activity. Some cookies and other technologies may serve to recall Personal Information previously indicated by a Web user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them.

You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser, but please note that if you choose to block the cookies, you will need to re-enter your original user ID and password to gain access to certain parts of the Web site.

Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; click stream patterns; and dates and times that our site is accessed. Our use of cookies and other tracking technologies allow us to improve our Web site and your Web experience. We may also analyze information that does not contain personal information for trends and statistics.

To protect your privacy, we have adopted the following principles:
• Notice
• Choice
• Security
• Access/Accuracy

Where Nav Varta collects personal information on the Web, we intend to post a purpose statement that explains why personal information will be collected and whether we plan to share such personal information outside of Nav Varta or those working on Nav Varta’s behalf. Nav Varta does not intend to transfer personal information without your consent to third parties who are not bound to act on Nav Varta’s behalf unless such transfer is legally required.

You may choose whether or not to provide personal information to Nav Varta. The notice we intend to provide where Nav Varta collects personal information on the Web should help you to make this choice. If you choose not to provide the personal information we request, you can still visit most of Nav Varta’s Web sites, but you may be unable to access certain options, offers, and services that involve our interaction with you.
If you chose to have a relationship with Nav Varta, such as a contractual or other business relationship or partnership, we will naturally continue to contact you in connection with that business relationship.

Wherever your personal information may be held within Nav Varta or on its behalf, we intend to take reasonable and appropriate steps to protect the personal information that you share with us from unauthorized access or disclosure.

Third Party Services
Third parties provide certain services available on on Nav Varta’s behalf. Nav Varta may provide information, including personal information that we collect on the Web to third-party service providers to help us deliver programmes, products, information, and services. Service providers are also an important means by which Nav Varta maintains its Web site and mailing lists. Nav Varta will take reasonable steps to ensure that these third-party service providers are obligated to protect personal information on Nav Varta’s behalf.

Nav Varta does not intend to transfer personal information without your consent to third parties who are not bound to act on Nav Varta’s behalf unless such transfer is legally required. Similarly, it is against Nav Varta’s policy to sell personal information collected online without consent.

Your Consent
By using this Web site, you consent to the terms of our Terms of Use and to Nav Varta’s processing of personal information for the purposes given above as well as those explained where we collect personal information on the Web. Should there be changes to the Terms of Use, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our Web site for a reasonable period of time.

Information security
• We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data.
• We restrict access of your personal information to our employees who need to know that information in order to operate, develop or improve our services.

Updating your information
• We provide mechanisms for updating and correcting your personal information for our services. For more information, please see the help pages for each service.

• Nav Varta will not contact children under age 13 about special offers or for marketing purposes without a parent’s consent • Nav Varta does not solicit personal information from a child under age 13 in any given activity or promotion.

Information Sharing and Disclosure
• Nav Varta does not rent, sell, or share personal information about you with other people or non-affiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances: o We provide the information to trusted partners who work on behalf of or with Nav Varta under confidentiality agreements. These companies may use your personal information to help Nav Varta communicate with you about offers from Nav Varta and our marketing partners. However, these companies do not have any independent right to share this information. o We require a parent’s permission to share the information if the user is a child under age 13. Parents have the option of allowing Nav Varta to collect and use their child’s information without consenting to Nav Varta sharing this information with people and companies who may use this information for their own purposes. o We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims. o We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Nav Varta’s terms of use, or as otherwise required by law. o We transfer information about you if Nav Varta is acquired by or merged with another company. In this event, Nav Varta will notify you before information o about you is transferred and becomes subject to a different privacy policy. • Nav Varta displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria—for example, women ages 18-24 from a particular geographic area. o Nav Varta does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad. o Nav Varta advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies). • Nav Varta works with vendors, partners, advertisers, and other service providers in different industries and categories of business. For more information regarding providers of products or services that you've requested please read our detailed reference links.

Confidentiality and Security
• We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs. • We have physical, electronic, and procedural safeguards that comply with the laws prevalent in India to protect personal information about you. We seek to ensure compliance with the requirements of the Information Technology Act, 2000 and rules made there under to ensure the protection and preservation of your privacy

Changes to this Privacy Policy
Nav Varta reserves the right to update, change or modify this policy at any time. The policy shall come to effect from the date of such update, change or modification.

Contact Information
Nav Varta welcomes your comments regarding this privacy statement at the contact address given at the website. Should there be any concerns about contravention of this Privacy Policy, Nav Varta will employ all commercially reasonable efforts to address the same