Terms & Conditions

NOCOSTBT.COM (collectively referred to as the "Website"), understands the paramount importance of safeguarding your privacy. Here, we are fully committed to upholding the confidentiality, integrity, and security of all user information. This Privacy Policy is designed to elucidate how NOCOSTBT.COM acquires, stores, manages, and, on a necessity basis, transfers certain information obtained from you through your interaction with the Website. Please note that this Privacy Policy applies to all visitors to our Website and to both our current and prospective customers. By accessing and/or utilizing our Website, you indicate your acceptance and consent to adhere to the practices delineated in this Privacy Policy.

When you use or persist in using the website, you hereby consent to the utilization of your information, which may include sensitive personal data as defined by the Information Technology Act of 2000, as well as relevant regulations and notifications. This usage will adhere to the terms outlined in this Privacy Policy, subject to potential amendments made by NOCOSTBT.COM at its sole discretion.

1. Data Custodians:

Your data and information will be gathered and securely stored on servers situated in India by NOCOSTBT.COM.

2. The Personal Information We Collect:

At NOCOSTBT.COM Financial Services Private Limited, we are committed to enhancing your experience on the Website through personalization and continual improvement. To achieve this, we collect various types of information, which include:

Information you directly input or upload onto our Website or provide through other means, aligning with the product or service you have selected. This may encompass personal details such as your first name, last name, email address, date of birth, residential city, and more. While you have the option to withhold certain details, doing so may limit your access to many of our services and features. It's important to note that we do not gather or retain your biometric information.

We may also receive information about you from external sources, which we may then integrate into your account information to enrich your experience.

3. Collection of Cookies:

We collect and store specific types of information each time you engage with us. To illustrate, we employ "cookies" to obtain particular data when your web browser interacts with the Website, or when you come across advertisements and other content served by or on behalf of the Website on external websites. A cookie is essentially a data fragment linked to information about the user. Our utilization encompasses both session ID cookies and persistent cookies. Session ID cookies are terminated and erased once you close your browser or log out, while persistent cookies are small text files that endure on your computer's hard drive for an extended duration. Session ID cookies help Dcfinancial.in track user preferences during their website visits and contribute to reducing loading times and easing the burden on server processing.

Most web browsers provide options to prevent new cookies from being accepted, to have the browser notify you when a new cookie is received, or to disable cookies altogether. Furthermore, you can disable or delete similar data utilized by browser add-ons, such as Flash cookies, by modifying the add-on's settings or by visiting the manufacturer's website.

However, it's important to recognize that because cookies enable you to access essential features of the Website, we recommend keeping them enabled. Disabling or rejecting our cookies may limit your ability to use certain Website products and services that necessitate you to sign in.

4. How We Utilize Your Information:

NOCOSTBT.COM collects your information when you register for an account, engage with its products or services, or visit the Website's pages. Upon registration with our website, we request essential details such as your first name, last name, state and city of residence, email address, date of birth, and gender. Once you have registered on the Website and signed in, you are no longer anonymous to us. Additionally, you may be asked for your contact number during registration and could receive SMS notifications regarding our services on your wireless device. By registering, you grant NOCOSTBT.COM, including its business partners and affiliates, authorization to send texts and email alerts to you, encompassing your login details and any other service-related information, including promotional emails and SMS, even if you have registered under the DND or DNC or NCPR services. Your authorization remains valid as long as your account remains active, unless you choose to withdraw your consent.

Some of the Website's features or services may necessitate the provision of personally identifiable information as per your account section on our Website.

The purposes for collecting this information are as follows:

- To assist us and our business partners in facilitating and delivering services, communicate with you about products, services, and promotional offers.

- To respond to your queries, requests, and address any grievances, issues, or problems related to the services we provide.

- To administer and fulfill our obligations concerning agreements with our business partners.

- To inform you about special promotions, offers, new features, products, or services, including those offered by third-party entities in collaboration with Dcfinancial.in.

- To employ your information for internal analysis and provide location-based services such as advertising, personalized content, and search results.

- To enhance our platform, detect and prevent fraud or misuse of our Website, and enable third parties to perform technical, logistical, or other functions on our behalf. We may combine the information we receive from you with data obtained from third parties.

- To send you notifications, communications, and service recommendations that may be of interest to you, update our records, and maintain your accounts. Additionally, we may display content and customer reviews.

- When you provide your contact details, we will use them to send you general notices, important updates about your account, solicit your feedback or opinions, and inform you about special deals and offers that align with your preferences.

Some features of the Website or our services may require you to furnish personally identifiable information as detailed in your account section on our Website.

5. Sharing Your Information with Third Parties:

NOCOSTBT.COM is committed to not selling, renting, or otherwise disclosing your information for commercial purposes in a manner contrary to the commitments made in this Privacy Policy or other than as expressly described herein. Nevertheless, we may share your information with third parties, including our group companies, employees, agents, business partners (Banks/NBFCs), Credit Information Companies (CICs), Payment Aggregators, and Service Providers we have partnerships with, as well as any of our affiliates, for purposes outlined in this Privacy Policy.

These third parties are contractually obligated to handle your information with the same level of care and confidentiality as NOCOSTBT.COM does, and any access to or processing of your information by these third parties adheres to contractual terms, applicable laws, and our instructions, subject to your consent. For the purposes of this paragraph, "Affiliate" refers to any entity that directly or indirectly controls, is controlled by, or is under common control with another entity. "Control" includes the power to direct management or policies through ownership of securities, partnership interests, contracts, or other means. "Person" encompasses natural persons, corporations, partnerships, limited liability companies, trusts, unincorporated associations, or any other legal entities.

We may also share or transfer your personally identifiable information to a successor-in-interest in the event of a sale of any portion of our business, or in the case of a merger, reorganization, or consolidation with another entity where Dcfinancial.in is not the surviving entity.

We restrict the collection and use of your personal information and may create anonymized or aggregated data that is non-personally identifiable for disclosure. Access to your Account information and other personally identifiable data is strictly limited and utilized only in accordance with specific internal procedures, primarily for the purposes stated in this Privacy Policy, to operate, develop, or enhance our services. We may employ third-party service providers to facilitate the delivery of our services, and we require them to maintain the confidentiality of the information we share under our contractual agreements.

We may also share your information, without requiring prior written consent, with government agencies mandated by law to obtain information for identity verification, prevention, detection, investigation (including cyber incidents), prosecution, and punishment of offenses, or where disclosure is necessary to comply with a legal obligation. By using the Website, you agree and consent to the disclosure of your information as required under applicable law.

6. Data Storage:

NOCOSTBT.COM exclusively stores your personal information on servers situated in India. We may preserve your information, including personal data, for as long as necessary to provide you with the services associated with the product you have inquired about or chosen, and in adherence to our agreements with our business partners. The retention of information follows the guidelines outlined in this policy, with strict compliance with applicable Indian laws and regulatory requirements.

In specific circumstances, NOCOSTBT.COM may extend the retention of your information, such as:

(i) When required for investigations under the law or as part of legal proceedings before courts, tribunals, forums, or commissions.

(ii) To enhance and improve our products and services.

(iii) As necessitated by contractual obligations with our business partners.

7. Your Control Over Collected Personal Information:

It is essential to recognize that the information we gather about you plays a pivotal role in tailoring products, services, and experiences to your benefit. You possess the ability to exercise control over the collection and use of non-personal information online.

Furthermore, you can select the personal information, including sensitive data like financial information, that you provide to us and restrict the disclosure of this information to third parties. However, please be aware that such choices may impact your seamless access to the specific products or services you have chosen. In situations where you opt not to furnish all of the required information and data, we may be unable to deliver the subscribed Services.

We firmly believe that you should have the power to determine the types of information you receive through email or SMS. If you prefer not to receive marketing materials via email or SMS, you can indicate your preferences within the contact information for your account or use the provided 'opt-out' or unsubscribe link in our marketing emails. Additionally, you can contact us at info@nocostbt.com to express your choice. It's important to note that it may take approximately 10 days to process your request. However, please keep in mind that we will continue to inform you through email, SMS, or phone calls concerning the services you are receiving from us, even after opting out.

You have the option to review the information you have supplied to us by accessing your account on the Website. This enables you to correct or amend any personal information or sensitive data to ensure its accuracy and completeness. It's worth noting that Dcfinancial.in cannot verify the authenticity of any personal information or sensitive data supplied by you or any third party.

8. Revoking Consent:

If you believe that we no longer need to retain your personal information or if you request the deletion or removal of your personal data when you think we lack the right to process it, we will proceed to destroy or delete the respective customer information. You have the option, at any point while utilizing our Services or otherwise, to withdraw the consent you previously granted us for collecting and using your sensitive personal data or information. To do so, simply contact us at info@nocostbt.com. However, in the event of such consent withdrawal, we reserves the right to discontinue providing the Services for which the information was initially requested. Please be aware that no refund of fees paid for any service will be provided in such a scenario, and you acknowledge that the Website shall not be held liable in any manner.

It is possible that data may need to be retained for purposes related to product servicing, repayments, and other relevant reasons, both by us and our partners, in accordance with applicable laws. Rest assured, any such retained information will be safeguarded in full compliance with cybersecurity standards.

9. Log Files:

Similar to most standard websites, we utilize log files. These log files may encompass internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date and time stamps, and the number of clicks. We analyze this information to detect trends, administer the site, track aggregate user movements, and gather broad demographic data for overall use. Furthermore, we may combine this automatically collected log information with other data we acquire about you. This practice is employed to enhance the services we offer, improve marketing strategies, analytics, and website functionality.

10. Data Security:

We implement appropriate technical and organizational security measures continuously to safeguard the information we gather from you. Multiple electronic, procedural, and physical security measures are employed to protect against unauthorized or unlawful use, alteration of information, accidental loss, destruction, or damage to information. While we have established adequate security measures to address potential data security breaches, it's important to note that no method of transmission over the Internet or electronic storage is entirely foolproof. As such, we cannot guarantee absolute security. Furthermore, it is your responsibility to maintain the confidentiality and security of your login ID and password, refraining from disclosing these credentials to any third party.

11. Third-Party Advertisers and Links to Other Websites:

Third-Party Advertising:

We may engage third-party advertising companies and ad agencies to deliver ads when you visit our Website. These companies may utilize information (excluding your name, address, email address, or phone number) about your visits to our Website to provide advertisements on this Website and other third-party websites regarding goods and services that may interest you. We also employ third-party service providers to serve ads on our behalf across the internet and, occasionally, on our Website. These providers may gather anonymous data concerning your visits to our Website and your interactions with our products and services. They may use this data to deliver targeted ads for goods and services based on your visits to our Website and others. This anonymous information is collected using pixel tags, which are industry-standard technologies widely used by major websites. No personally identifiable information is collected or used in this process.

Links to Other Websites:

Our Website may contain links to other sites affiliated with our banking and non-banking partners and other affiliates. The personal information you provide on these sites is not our responsibility or property. These affiliated websites may adhere to different privacy practices, and we encourage you to review their privacy policies when you visit them. NOCOSTBT.COM bears no responsibility for the content of the privacy policies or terms of use on these third-party websites.

12. Changes in this Privacy Policy:

NOCOSTBT.COM retains the right to amend this policy at its sole discretion. We may update this privacy policy to reflect changes in our information practices. We recommend periodic review of this policy. Checking the effective date below allows you to identify whether changes have been made since your last review of the statement.

If you have any questions, concerns, or suggestions regarding our Privacy Policy, please reach out to us using the contact information provided on our "Contact Us" page or contact us at info@nocostbt.com.