Privacy Policy

You can visit EFSL’s website without telling us who you are and without revealing any information about yourself. There are times, however, when we may need information from you.

EFSL does not share personal information about you with non-affiliated companies except:
  1. to provide products or services you’ve requested;
  2. when we have your permission or
  3. under the following circumstances:
    • We provide the information to trusted entities who work on behalf of or with EFSL under strict confidentiality agreements. These entities may use your personal information to help EFSL communicate with you about offers from EFSL and our partners. However, these companies do not have any independent right to further share or disseminate this information;
    • We respond to court orders or legal process or to establish or exercise our legal rights or defend against legal claims;
    • We believe it is necessary to share the information in order to investigate, prevent, or take action against any illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or as otherwise required by law.
    • We believe it is necessary to share the information in order to protect or enforce EFSL’s rights, usage terms, intellectual or physical property or for safety of EFSL or associated parties.
    • We may share information about you if EFSL is acquired by or merged with another company.
You may choose to give us personal information such as your name, contact number, address or e-mail identification address (‘ID’) that may be needed, for example, to correspond with you, to provide you with products and services information etc. We intend to protect the quality and integrity of your personally identifiable information.

EFSL will not be liable to any unsolicited information provided by you. You consent to EFSL using such information as per EFSL’s privacy policy.

We will make a sincere effort to respond in a timely manner to your requests to correct inaccuracies in your personal information. To correct inaccuracies in your personal information, please return the message containing the inaccuracies to the sender.

EFSL’s websites are not directed at nor targeted at children. No one who has not reached the age of thirteen may use the websites unless supervised by an adult.

Cookies usage
We sometimes collect anonymous information from visits to our sites to help us provide better customer service. For example, we keep track of the domains from which people visit and we also measure visitor activity on EFSL web sites, but we do so in ways that keep the information of the visitor anonymous. EFSL or its affiliates or vendors may use this data to analyse trends and statistics and to help us provide better customer service. We maintain the highest levels of confidentiality for this information. Our affiliates and vendors follow the same high levels of confidentiality. This anonymous information is used and analysed only at an aggregate level to help us understand trends and patterns. None of this information is reviewed at an individual level. If you do not want your transaction details used in this manner, you can either disable your cookies or opt-out at the download or request page. Alternatively, you can set your browser to intimate upon receiving a cookie. You may accordingly decide to opt out.

EFSL may, if you so choose, send direct mailers to you at the address given by you.

Do Not Disturb (DND)
EFSL may, if you share your contact number through the provided forms on our website, call you to discuss the details about our products and services and regarding the transaction status on the services you have availed irrespective of whether your number is registered for DND with TRAI.

Anti-Spam policy
EFSL recognizes the receipt, transmission or distribution of spam emails (i.e. unsolicited bulk emails) as a major concern and has taken reasonable measures to minimize the transmission and effect of spam emails in our computing environment. All emails received by EFSL are subject to spam check. Any email identified as spam will be rejected with sufficient information to the sender for taking necessary action. With this measure, along with other technical spam reduction measures, EFSL hopes to minimize the effect of spam emails. EFSL reserves the right to reject and/or report any suspicious spam emails, to the authorities concerned, for necessary action.

Links to Non-EFSL websites
EFSL may provide links to third-party websites for your convenience and information. If you access those links through the EFSL website, you will leave the EFSL website. EFSL does not control those sites or their privacy practices, which may differ from EFSL’s practices. We do not endorse or make any representations about third-party websites. The personal data you choose to provide to or that is collected by these third parties, including any social media websites featured on our website, is not covered by the EFSL Privacy Policy. We encourage you to review the privacy policy of any website before submitting your personal information.
We may also provide social media features on our website that enable you to share EFSL information with your social networks and to interact with EFSL on various social media sites. Your use of these features may result in the collection or sharing of information about you, depending on the feature. We encourage you to review the privacy policies and settings on the social media sites with which you interact to make sure you understand the information that could be shared by those sites.

  1. Effective Date:
  2. This Privacy Policy on Personal Information is effective from April 2014 and it supersedes all existing polices on the subject matter.
  3. Applicability:
  4. This Policy applies to all Personal Data collected electronically by EFSL.
  5. Definitions:
  6. ‘Personal Data’ for the purposes of this Policy means any information that relates to a natural person and is capable of identifying such person available or likely to be available with EFSL.
  7. Objective of Policy:
  8. EFSL takes seriously the trust you place in us. To prevent unauthorized access or disclosure, to maintain data accuracy and to ensure the appropriate use of the information, EFSL utilizes appropriate physical, technical and administrative procedures to safeguard the information we collect.
  9. Reasonable Security Practices & Procedures:
  10. EFSL will take reasonable steps to ensure that all dealings in Personal Data, shall:
    1. be processed fairly & lawfully
    2. be obtained only with the consent of the information provider;
    3. be collected, only when the information is collected for a lawful purpose connected with a function or activity of EFSL; and
      • the collection of the sensitive personal data or information is considered necessary for that purpose.
      • be available for review by the information provider, as and when requested.
      • be kept secure against unauthorized or unlawful processing and against accidental loss, destruction or damage, as per the prescribed standards.
  11. Disclosure of information: EFSL shall share your personal information with your consent, where the disclosure is necessary for compliance of a legal obligation or where required by government agencies mandated under law to procure such disclosure.
  12. Transfer of Information: EFSL may transfer your personal information to any other body corporate or a person in any country, that ensures the “same level of data protection” that is adhered to by it.
  13. Publication: EFSL shall also not publish your personal information and shall ensure that the information transferred to a third party is not further disclosed by it.
  14. Right to opt out: EFSL respects your privacy considerations and hence provides an option to you, to not provide the data or information sought to be collected.
    Further, you can also withdraw your consent which was earlier given to EFSL, and the same must be communicated to EFSL in writing.
  15. Authenticity: EFSL shall not be responsible for the authenticity of the Personal Data supplied to it by the provider, whose duty it is to ensure that the information provided by it or its employees is authentic.
  16. Grievance Redressal: Any grievance or complaint, in relation to processing of information, should be sent to EFSL in writing to following contact email ID. Grievance shall be redressed as expeditiously as possible.
  17. Changes to this Policy
  18. Please note that this Policy may change from time to time. We will not reduce your rights under this Policy without your explicit consent. We will post any Policy changes on this page. We will also keep prior versions of this Policy in an archive for your review.