Privacy & Policy

INTRODUCTION:
Shraddha Consultancy acknowledges the expectations of its customers (hereinafter referred to as "customer/ you/ your") regarding privacy, confidentiality and security of personal information that resides with the Shraddha Consultancy. Keeping personal information of customers secure and preventing any misuse thereof, is therefore, a top priority of Shraddha Consultancy.
We state that Shraddha Consultancy is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with applicable laws and regulations as well as the best industry practice to protect the confidentiality of your personal information and its transmission through our website.
This Privacy & Security Policy (hereinafter referred to as "Policy") therefore, explains how we protect your personal information provided to us on our website i.e. www.shrddhaconsultancy.in (hereinafter referred to as "Website") and how we use that information in connection with the service offered through the Website (hereinafter called as "Service") and must be read in conjunction with our General Terms of Use.
This Policy is published and shall be construed to be in accordance with the provisions of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the Information Technology Act, 2000 and other applicable laws and regulations that require publishing of the privacy notice for collection, usage, storage, disclosure and transfer of sensitive personal data or information.
PERSONAL INFORMATION:
Personal Information ("PI") means any information/ documents/ details that relates to a natural person, which either directly or indirectly in combination with other information available with Shraddha Consultancy, can identify such person.
APPLICABILITY:
(i) This Policy applies to the PI such as details pertaining to your name, parentage, marital status, nationality, state/city of residence, residential address, e-mail address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, income proof, PAN, credit score, credit information report, e-KYC through UIDAI, Aadhaar based e-Sign and such other Know Your Customer (KYC) documents like address proof, identity proof, officially valid documents/details (OVDs) accepted for concluding a financial transaction, which may be shared/ uploaded by you, as and when you avail any products or use the Website and to which Shraddha Consultancy may become privy to.
(ii) By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy.
(iii) Shraddha Consultancy reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by e-mail (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.
WHAT PERSONAL INFORMATION ABOUT YOU WE GATHER:
The information we learn from customers helps us personalize and continually improve your experience at the Website.
Here are the types of information we gather:
• We receive and store any information you enter on our Website or give us in any other way. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features.
• We receive and store certain types of information whenever you interact with us. For example, like, we use "cookies" and we obtain certain types of information when your web browser accesses the Website or advertisements and other content served by or on behalf of the Website on other websites. We may also receive/store information about your location and your mobile device, including a unique identifier for your device.
• We might receive information about you from other sources and add it to our account information.
How do We Use The Information:
Shraddha Consultancy collects your information when you register for an account, when you use its products or services, visit its Website's pages. When you register with the Website and sign in you are not anonymous to us. Also, you are asked for your contact number and other details during registration and may be sent SMS, electronic mails ("e-mails") , notifications, Whatsapp messages about our services to your wireless device.
EXPRESS CONSENT:
(i) By making use of the Website, and furnishing your personal and contact details, you hereby agree that you are interested in knowing more or availing and/or purchasing various products, services, offers, campaigns or other promotional material that Shraddha Consultancy or any other third party may offer/provide/share/send you from time to time through any means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode . You hereby agree that Shraddha Consultancy may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application. Further you also expressly agree and authorize Shraddha Consultancy and its partners, service providers, vendors and other third parties to contact you for the purpose of offering or inviting your interest in availing other products or services offered by third parties, or for sending other marketing campaigns, offers, or any other information either on the Website or through other means including but not limited to telephone, SMS (short messaging service), electronic mail (e-mail), Whatsapp or any other messaging service/mobile application or any other physical, electronic or digital means/mode. You agree and authorize Shraddha Consultancy to share your information with its group companies, vendors, service providers, business partners, agents and other third parties, in so far as required for marketing purposes/offering/cross-selling various other products and services and/or to provide you with various value-added services, in relation with the Services selected by you or generally otherwise. You agree to receive communications through emails, telephone, Whatsapp, SMS, or any other form of messaging/communication service from Shraddha Consultancy or such third parties. You also agree that Shraddha Consultancy reserves the right to make your details available to its partner banks/financial institutions or any such other third party and that you may be contacted by the partners and/or the third party for information through email, telephone, Whatsapp and/or SMS.
(ii) The usage of the Website may also require you to provide consent for keying in your Personal Information ("PI") (including but not limited to any personal data or sensitive personal data as defined under applicable law) or to authorize Shraddha Consultancy to derive your data/information from any other source or public registry, as may be necessary to complete your profile or your application on the Website, conduct due diligence on you, assessing your eligibility for the products/services, undertaking know-your-customer ("KYC") checks by Shraddha Consultancy or any other third party and/or to process your application through this Website. Your PI may also be used or shared with third parties including but not limited to our vendors, service providers, credit information agencies, analytics and research partners, other banks or financial institutions, insurers or intermediaries or any other third party with the intent of making your experience on the Website better, faster and paperless and frictionless to the extent possible. Shraddha Consultancy shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, Shraddha Consultancy shall not be liable to you against any liability or claims which may arise out of such transactions as any such PI is being collected, used, processed and shared with your explicit consent.
(iii) You hereby authorize and expressly consent us to share your PI with third parties including but not limited to Credit Information Companies ("CIC") to do an aggregate check of your credit profile for Shraddha Consultancy to send you targeted communications and offers.
(iv) If you are no longer interested in sharing your PI, please e-mail your request at: info@Shraddha Consultancy.com. Please note that it may take about 72 business hours to process your request. In furtherance to your usage of the Website, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you for such purpose and usage. Hence, there will be no DNC / DND check required for the number you may have left on our Website. Such modes of contacting you may include sending SMSs and/ or telephonic calls.
(v) Shraddha Consultancy reserves the right (and you expressly authorize Shraddha Consultancy) to share or disclose your PI when Shraddha Consultancy determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.
CREDIT INFORMATION REPORT:
(i) Your Credit Information (credit score and credit information report) is procured through a 'soft search' of your credit records with Credit Information Companies "CICs" and Shraddha Consultancy has no control over the content or accuracy of information provided in your credit information by CICs. Shraddha Consultancy gets this information from CIC for and on your behalf only when you agree to appoint Shraddha Consultancy as your lawfully appointed authorized agent/ representative for collecting your credit information from CICs. By consenting to use and avail your credit information report through Shraddha Consultancy, you agree that Shraddha Consultancy and CICs shall be entitled to rely on your authorization and consent granted by you to Shraddha Consultancy.
(ii) Availing your credit information through Shraddha Consultancy is subject to your passing of appropriate identity authentication for security and privacy purposes. Shraddha Consultancy shall not notify you the reasons if you are unable to pass such identity authentications and not able to view and/or use your credit information.
(iii) Shraddha Consultancy may analyze and profile your credit information in order to assist you in being better informed about, understand and manage your credit score/rating, identify and inform you of credit products that are likely to be suited to your circumstances, to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score and credit history etc. For more details please access Shraddha Consultancy's Terms of Service for Credit Information Report.
MUTUAL FUNDS:

(i) Shraddha Consultancy collects, receives, possesses, stores, deals or handles PI received from investors/client/customers whether existing or prospective. Such PI may be as per the indicative list given below:
Bank Account details, change of bank account details or registration of multiple bank accounts etc. through application forms; Payment instrument details at the time of submitting application at the time of investment or as proof for carrying out change of bank account or any other details of debit card obtained (if any);
Generation and storing password (PIN) in encrypted form based on the request from the investor under the online mode of investments;
Demographic /Biometric information obtained, if any;
Demat Account details like beneficiary account no. etc.;
Annual Income and savings profile; and Any other information as may be considered as PI.
(ii) The aforesaid information is being collected by Shraddha Consultancy to respond to your requests, to process the investment applications and to also ensure safe subscriptions/redemptions of mutual fund investments. Shraddha Consultancy may also call you to inform them with respect to the other products or services offered by its partner AMCs. The said information is also being collected to be compliant with the Know Your Client (KYC) norms under the Prevention of Money Laundering Act, 2002 (PMLA), the rules issued thereunder, and guidelines and circular on Anti- Money Laundering issued by SEBI and SEBI (Mutual Funds) Regulations, 1996 as amended till date.
OPT-OUT:

In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested in the below table, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at info@Shraddha Consultancy.com from your email address registered at Shraddha Consultancy. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s). The details to be submitted for opting-out shall be as below:
Title* First Name* Last Name* Country* State* City* Email Mobile Number # Landline Phone Number * Mandatory fields # Please enter your 10-digit mobile number. If you wish to have all your details permanently deleted from our database, please email support@Shraddha Consultancy.com along with your full name, mobile number and email address. All your details will be permanently deleted and the same confirmed to you via email within 15 working days.

PURPOSE AND USAGE:

(i) Shraddha Consultancy will not sell or rent your PI to anyone for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to an affiliate and/or business partner. Shraddha Consultancy may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of our business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity. As used in this Privacy Policy, the term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity). We limit the collection and use of your personal information. We may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner. Such information does not identify you individually. Access to your account information and any other personal identifiably information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide with our services.
We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law.
There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies in addition to the Privacy Policy of the Website. Shraddha Consultancy is not responsible for their privacy policies. We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you apply for their products or services.
Further Shraddha Consultancy may use your information to:
Communicate with you about products, services and promotional offers offered by Shraddha Consultancy or by its business partners, or other third parties
Assist third parties like our business partners and/or service providers in facilitating and delivering products and services to you, process payments and your applications
send you any administrative notices, offer alerts and other communications relevant to your use of the Website;
display tailored product offers to you and enable you to apply for certain products and services;
Send you information about special promotions or offers offered by Shraddha Consultancy or any of its business partners. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom Shraddha Consultancy has a tie - up
carry market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity; improve our Services and manage our customer relationships better, and to provide you with location-based services, such as advertising, search results, and other personalized content;
enforce Shraddha Consultancy General Terms of Use;
comply with all applicable laws and regulations.
You also agree and consent to us collecting, storing, processing, transferring and sharing information (including sensitive personal information) related to you with third parties or service providers for the purposes as set out in this Privacy Policy.
(ii) In the event that you access the Service as brought to you by one of our partners either through the Website or on being redirected from a co-branded URL or any other website , your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, Form 26 AS, PAN, details of loan / credit card/ mutual fund applied for and loan, credit card and mutual fund status or any other financial product status may be provided to that partner when your application is submitted and whenever the status of application is updated. Shraddha Consultancy has a business relationship with these partners and you may not opt-out of sharing your information with these partners if you have applied via a co-branded URL or any other website or directly through the Website as the case may be.
(iii) For availing the Service such as applying for credit information report, loan, credit card, mutual fund or any other financial product we will require you to provide/upload on the Website the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26 AS, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (should you select this option), and to participate on our forum boards, you must provide a username for yourself.
(iv) You may opt out of location-based services at any time by editing the setting of your browser.
(v) In order to provide your bank statement or pay slip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow Shraddha Consultancy to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/pay slips, Form 26 AS and are not stored in our system. Shraddha Consultancy shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord.
(vi) We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your PI for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them.
DISCLOSURE / SHARING:
(i) Shraddha Consultancy does not disclose PI of a customer except as directed by law or as consent received from the customer / applicant.. No specific information about customer accounts or other personally identifiable data is shared with third parties unless any one of the following conditions is met:
To help complete a transaction initiated by you;
To perform support services through a third-party service provider, provided it conforms to the Privacy Policy of the Shraddha Consultancy; You have specifically authorized it by accepting the General Terms of Use of the Website or otherwise;
Where the disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process;
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
(ii) There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies. Shraddha Consultancy is not responsible for their privacy policies. Shraddha Consultancy may share your data with other third parties, such as service providers, advertisers, Credit Information Companies, fraud prevention agencies, marketing channels, affiliates, without the need for additional consent from you.
(iii) Shraddha Consultancy shall not be held liable for disclosure of the PI when used in accordance with this Privacy Policy or in terms of the ‘General Terms of Use' of Website or an agreement, if any, with the users of Website .
INTIMATION BY CUSTOMERS REGARDING CHANGE IN PERSONAL INFORMATION:
(i) If your PI provided to us when you had applied for a product on our Website changes, you may update it whenever you apply for a new product via our Website. To review and update your PI and to ensure that the same is accurate while your application is in process, you may contact us at support@Shraddha Consultancy.com. You will not be able to update the information you have provided in an application after a decision has already been made on it; however, you may create and submit a new application with your updated information.
(ii) Note: We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at support@Shraddha Consultancy.com. We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.
RETENTION OF YOUR DATA:

(i) Shraddha Consultancy will retain your information for as long as it is necessary for providing you the Services available on the Website or your request for termination of your account with Shraddha Consultancy, whichever is later.
(ii) Post termination of your account, Shraddha Consultancy may continue to use your anonymized data aggregated or in combination with anonymized data of other users. We use this aggregated anonymized data for data analysis, profiling and research purposes, for example to gain insights about our users and their profiles. We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/defense of a legal claim or for providing evidence in legal proceeding(s).
EMAIL & SMS COMMUNICATIONS FROM US AND OUR PARTNERS:

We provide our registered customers with periodic phone calls, emailers and email/SMS/Whatsapp alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Shraddha Consultancy or third-party products. Subject to the express consent clause above, Shraddha Consultancy's Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related e-mails/SMS/Whatsapp, such as e-mail/SMS alerts. The above services are also provided by our partners.
LOG FILES:

This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Website functionality.
TRACKING TECHNOLOGIES:

Shraddha Consultancy and its partners use cookies or similar technologies to analyze trends, administer the website, track users' movements around the website, and to gather demographic information about our user base. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service. To manage flash cookies, please visit the flash player support page.
BEHAVIOURAL TARGETING / RE-TARGETING:

We partner with a third-party service provider to either display advertising on our Website or to manage our advertising on other websites. Our third-party partner may use technologies such as cookies to gather information about your activities on this Website and other websites in order to provide you advertising based upon your browsing activities and interests.
THIRD PARTIES WILL NOT BE GIVEN YOUR PERSONAL INFORMATION UNLESS YOU GIVE CONSENT TO Shraddha Consultancy :

There are several products and services, such as credit information report, loans, credit cards, mutual fund and other financial products being offered by third parties on our Website, such as lenders, banks, credit card issuers and mutual funds (collectively "Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. Shraddha Consultancy is not responsible for their privacy practices.
TESTIMONIALS, BLOGS AND OTHER FORUMS ON Shraddha Consultancy WEBSITE:

(i) With your consent Shraddha Consultancy may post your testimonial along with your name. If you want your testimonial removed, please contact Shraddha Consultancy at support@Shraddha Consultancy.com.
(ii) If you use a blog, comments section or other public forum on Website, any information you submit there can be read, collected or used by other users and could be used to send you messages. Shraddha Consultancy shall not be held responsible for the PI you choose to submit in these forums.
ADDITIONAL POLICY INFORMATION:

(i) Widgets: Our website includes widgets, which are interactive mini-programs that run on our Website to provide specific services from another company (e.g. displaying the news, opinions, music, etc.). PI, such as your email address, may be collected through the widget. Cookies may also be set by the widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it and not by the Shraddha Consultancy.
(ii) Single Sign-On: You can log in to our Website using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain PI with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Website to your profile page to share with others within your network.
(iii) Like Button: If you use the "Like" button to share something that item will appear on your Facebook profile page and on your friends' newsfeed depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this Website or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
(iv) Links to 3rd Party Sites: Our Website includes links to other websites whose privacy practices may differ from those of Shraddha Consultancy. If you submit your PI to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.
WE KEEP YOUR DATA SECURE:

(i) We follow generally accepted standards to protect the PI submitted to us, both during transmission and once we receive it. Since no method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at info@Shraddha Consultancy.com.
(ii) We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Shraddha Consultancy online accounts and systems from unauthorized access.
(iii) When you register for the Service, Shraddha Consultancy requires a password from you for your privacy and security. Shraddha Consultancy transmits information such as your login credentials for Website or Account Credentials securely.
(iv) Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card and biometrics recognition procedures. Security personnel monitor the facilities 7 days a week, 24 hours a day.
(v) Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.
(vi) We enforce physical access controls to our buildings. No employee can put PI on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop). We permit only authorized employees who are trained in the proper handling of customer information, to have access to aforesaid PI.
(vii) Shraddha Consultancy has been verified for its use of SSL encryption technologies. In addition, Shraddha Consultancy tests the Website using Acunetix scan for any failure points that would allow hacking. However, it is important to understand that these precautions apply only to our Website and systems.
In Case of a Security Breach:

Procedures are in place for reporting, recording, investigation and closure of security breaches. Security incidents are analysed, and preventive/corrective actions taken to minimise recurrence of an incident. Action to correct and recover from security breaches and system failures are controlled. Security breach response process includes ensuring that clearly identified and authorised staff are allowed access to production systems and data. All emergency actions taken are documented in detail. Emergency action is reported to management and reviewed in an orderly manner. The integrity of business systems and controls is confirmed with minimal delay. Audit trails and similar evidence are collected and secured, as appropriate, for: 1) Internal problem analysis. 2) Use as evidence in relation to a potential breach of contract, breach of regulatory requirement or in the event of civil or criminal proceedings, e.g. under Copyrights Act, Information Technology Act; 3) Negotiating for compensation from software and service suppliers. 4) Settlement of Insurance claims, wherever applicable.
During security incidents, all the relevant stakeholders (both internal and relevant partners) are informed and provided with the status updates they need in a streamlined format with status updates and relevant information that works best for them. Identifying key stakeholders during incidents is done based on the incident severity by the Management. A follow-up analysis of the incident is performed after an incident has been fully handled. A security incident report is prepared by a person designated by the incident co-ordination team and distributed to the top Management for advice and action.
ALL PRIVATE INFORMATION IS ENCRYPTED AND COMMUNICATED SECURELY:

All communications between your computer/mobile and our Website that contain any PI are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
YOU ARE RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR LOGIN ID AND PASSWORD:

(i) You are responsible for maintaining the security of your login ID and Password and must not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at info@Shraddha Consultancy.com. We are not responsible if someone else accesses your account through the login credential they have obtained from you or through a violation by you of this Privacy and Security Policy or the Shraddha Consultancy Terms of Use.
(ii) If you have any security related concern, please contact us at info@Shraddha Consultancy.com. We will work closely with you to ensure a rapid and personal response to your concerns.
ISO 27001: ISO/IEC 27001:2013 is the international standard for management of information security and provides a systematic approach to keep your PI and sensitive company information secure. Getting the ISO 27001:2013 certificate is a reassurance for our customers that Shraddha Consultancy complies with the highest standards regarding information security. Shraddha Consultancy is ISO/IEC 27001:2013 certified under certificate number IND17.0322/U. We have implemented the ISO/IEC 27001: 2013 standard for all processes supporting the development and delivery of services by Shraddha Consultancy.
CONTACT US WITH ANY QUESTIONS OR CONCERNS (GRIEVANCE REDRESSAL):

If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to info@Shraddha Consultancy.com.
Last update: The Privacy Policy was last updated on 10th September, 2022.

Terms & Conditions

These terms and conditions shall apply to the provision of the Services by Shrddha Enterprises Pro Consultancy Pty Ltd (ACN 099 487 573) ("Shrddha Enterprises Pro Consultancy") to the applicable customer identified in a supplied quotation, proposal or statement of work document ("Customer"). The Customer accepts these terms and conditions by accepting the quotation, proposal or statement of work document.
The Customer's acceptance of the quotation, proposal or statement of work document subject to any other terms will be treated as a rejection of the quotation, proposal or statement of work and no services will be provided by Shrddha Enterprises Pro Consultancy.
1 OVERVIEW
1. Shrddha Enterprises Pro Consultancy agrees to provide the Services to the Customer in accordance with this Agreement. 2. This Agreement includes these standard terms and the details set out in a Proposal or Statement of Work. 3. In the event of any express inconsistency, the provisions in the Proposal or Statement of Work will prevail over these standard terms.
2 TERM
1. This Agreement commences on the Commencement Date and continues until the expiry of the Initial Term, unless terminated earlier in accordance with clause 9 or renewed under clause 2(b). 2. Prior to the expiry of the Initial Term, the Customer will have the option to extend the Agreement for the Renewal Term by providing Shrddha Enterprises Pro Consultancy with no less than 14 days' written notice prior to the expiry of the Initial Term.
3 SERVICES AND DELIVERABLES
3.1 The Services
1. The Services are specified in a Proposal or Statement of Work. 2. Shrddha Enterprises Pro Consultancy will provide the Services with in a professional manner with due care and skill and in accordance with good industry practice. 3. In providing the Services, Shrddha Enterprises Pro Consultancy will comply with all Laws, including Privacy Laws. 4. Shrddha Enterprises Pro Consultancy will ensure that the Key Personnel nominated in a Proposal or Statement of Work will perform the Services. 5. Additional services may be provided under this Agreement where the parties agree to and sign a written addendum that specifies the additional services and states that those additional services are being provided pursuant to this Agreement.
3.2 The Deliverables
1. Any Deliverables to be provided by Shrddha Enterprises Pro Consultancy to the Customer as part of the Services are also specified in a Proposal or Statement of Work. 2. Shrddha Enterprises Pro Consultancy will ensure that the Deliverables are of high quality, are not second-hand or used, and will operate correctly and in accordance with the specifications and requirements in a Proposal or Statement of Work. 3. If the Deliverables include software, Shrddha Enterprises Pro Consultancy will not include in the Deliverables: i. any third party code or third party intellectual property without the Customer’s prior written consent, or ii. any viruses, timebombs, lockups or backdoors. 4. If the Deliverables include equipment, hardware or software, Shrddha Enterprises Pro Consultancy will, upon request by Customer, provide the Customer with any documentation reasonably required to use and maintain the Deliverables.
3.3 Cooperation
1. Shrddha Enterprises Pro Consultancy will act in a professional and cooperative manner when dealing with the Customer. 2. The parties will always act reasonably and in good faith when dealing with each other. 3. If Shrddha Enterprises Pro Consultancy is required by the Customer to work with other suppliers or contractors of the Customer, Shrddha Enterprises Pro Consultancy will act cooperatively and in a friendly manner when doing so. 4. If Shrddha Enterprises Pro Consultancy attends the Customer’s premises or sites, Shrddha Enterprises Pro Consultancy must comply with the Customer’s relevant policies and directions known or made known to Shrddha Enterprises Pro Consultancy.
3.4 Timeframes
1. Shrddha Enterprises Pro Consultancy will supply the Services and deliver the Deliverables to meet any timeframes set out in a Proposal or Statement of Work. 2. If Shrddha Enterprises Pro Consultancy believes that Shrddha Enterprises Pro Consultancy will be late or is late in meeting the timeframes in a Proposal or Statement of Work, Shrddha Enterprises Pro Consultancy will notify the Customer as soon as reasonably practical. 3. If Shrddha Enterprises Pro Consultancy requires the Customer to provide anything to Shrddha Enterprises Pro Consultancy or to do anything so that Shrddha Enterprises Pro Consultancy can provide the Services, then the Customer’s obligations to do so are set out in a Proposal or Statement of Work and the Customer must fulfil these obligations. The Customer cannot make any claim against Shrddha Enterprises Pro Consultancy, including for failure to meet any timeframes, if the Customer does not fulfil these obligations.
4 INTELLECTUAL PROPERTY
1. Unless explicitly stated to the contrary in a Proposal or Statement of Work, Shrddha Enterprises Pro Consultancy will own all Intellectual Property Rights in the Deliverables. This includes Intellectual Property Rights in any documentation, reports, computer code, characters, artwork, logos and branding, and the look & feel of the Deliverables. 2. In furtherance of (a) above, Shrddha Enterprises Pro Consultancy hereby grants a license to Customer to use the Deliverables. This license does not cover any software or computer code, which must be separately licensed from Shrddha Enterprises Pro Consultancy. 3. Shrddha Enterprises Pro Consultancy will not infringe any Intellectual Property Rights when performing the Services or in creating the Deliverables. 4. Shrddha Enterprises Pro Consultancy warrants that the Customer’s use of the Deliverables will not infringe any Intellectual Property Rights in Australia. 5. Shrddha Enterprises Pro Consultancy indemnifies the Customer against any liability (including liability for reasonable legal costs) based on a claim that use of the Deliverables in Australia is an infringement of the Intellectual Property Rights of any third person. 6. Shrddha Enterprises Pro Consultancy acknowledges and agrees that the Customer owns all rights, title and interests (including Intellectual Property Rights) in any materials provided by the Customer to Shrddha Enterprises Pro Consultancy or that the Customer otherwise has the right to supply such materials to Shrddha Enterprises Pro Consultancy, and nothing in this Agreement is intended to transfer ownership of or any interest in the Customer’s works, trademarks or brands (including any Intellectual Property Rights) to Shrddha Enterprises Pro Consultancy. 7. Shrddha Enterprises Pro Consultancy has no right to use the Customer’s trademarks or brands unless explicitly provided for in a separate trademark licence agreement or in a Proposal or Statement of Work.
5 FEES, PAYMENT AND GST
5.1 Fees and Payment
1. The Customer must pay the Fees set out in each invoice within 28 days of receipt, in accordance with this clause 5. 2. Shrddha Enterprises Pro Consultancy may only issue invoices to the Customer in accordance with the terms of this Agreement and in accordance with any timeframes for invoicing or payment set out in a Proposal or Statement of Work. 3. If a Proposal or Statement of Work specifies that a Deliverable is subject to acceptance testing by the Customer, Shrddha Enterprises Pro Consultancy may only invoice for that Deliverable once it has been accepted by the Customer. 4. The Customer may dispute an invoice. If so, the Customer may withhold payment of the amount in dispute until the dispute is resolved but must pay the undisputed portion of the invoice on time. 5. The parties have no right of set-off against each other. 6. The Customer will only reimburse expenses that are set out in a Proposal or Statement of Work as reimbursable expenses.
5.2 GST
1. If GST is payable on a supply made under or in connection with this Agreement, the party providing the consideration for that supply must pay as additional consideration an amount equal to the amount of GST payable on that supply. 2. Unless otherwise stated, all amounts referred to in this Agreement, including the Fees, are stated on a GST exclusive basis. 3. If an adjustment event occurs in relation to a supply made under or in connection with this Agreement, the GST payable on that supply will be recalculated to reflect that adjustment and an appropriate payment will be made between the parties. 4. In providing an invoice, a party shall provide proper tax invoices if GST is applicable to the Fees. 5. Terms which have a defined meaning in the A New Tax System (Goods and Services Tax) Act 1999 (Cth) shall have that meaning in this Agreement.
6 CONFIDENTIALITY
1. Each party agrees to keep strictly confidential, and not to disclose, the Confidential Information of the other party. 2. Each party agrees to use the Confidential Information of the other party solely to carry out its obligations or receive the benefits of this Agreement. 3. Notwithstanding the foregoing, a party may disclose Confidential Information of the other party: 1. to its legal advisors, accountants, auditors on a confidential need-to-know basis; 2. to its employees and contractors on a confidential need-to-know basis; 3. in enforcing this Agreement or in a proceeding arising out of or in connection with this Agreement; or 4. to the extent required by Law or pursuant to a binding order of a government agency or court. 4. The Customer must not disclose the terms of this Agreement to anyone other than to the Customer’s legal advisors, accountants and auditors on a confidential basis.
7 PRIVACY AND SECURITY
1. Each party must comply with the Privacy Act (as though it were an entity bound by the Privacy Act and notwithstanding the small business exception in the Privacy Act) and any other applicable Privacy Laws, in respect of any Personal Information that: 1. one party discloses to the other party; or 2. comes into the possession or control of that party arising out of or in relation to the performance of this Agreement. 2. Shrddha Enterprises Pro Consultancy must not, directly or indirectly, collect, store or use Personal Information of the Customer’s customers. 3. Shrddha Enterprises Pro Consultancy must comply with all reasonable directions of the Customer regarding privacy and security. If there are extra costs to Shrddha Enterprises Pro Consultancy in doing so, Shrddha Enterprises Pro Consultancy will notify the Customer and the Customer must pay such extra costs.
8 FORCE MAJEURE
1. Subject to the requirement to give notice under this clause, if the performance by any party (Affected Party) of all or any of its obligations under this Agreement is prevented or delayed (in whole or in part) due to any Force Majeure Event, this Agreement will continue and remain in effect but the Affected Party will not be in breach of this Agreement for that reason only, and the Affected Party will be granted a reasonable extension of time to complete performance of its affected obligations. 2. The Affected Party must promptly after becoming aware of a Force Majeure Event, give written notice to the other party of the nature of the Force Majeure Event and the way and the extent to which its obligations are prevented or delayed and notify the other party of any material change in these matters and use its reasonable endeavours to limit the effects of the Force Majeure Event, and promptly carry out its obligations as soon as, and to the extent that, it is able to do so.
9 TERMINATION
1. Either party may terminate this Agreement with immediate effect by giving written notice to the other party at any time if: 1. the other party experiences an Insolvency Event; or 2. the other party breaches any material provision of this Agreement which is incapable of being remedied, or where the breach is capable of being remedied, fails to remedy the breach within 21 days after receiving written notice from the terminating party requiring it to do so. 2. The Customer may terminate this Agreement on 30 days' written notice for any reason and without cause. If the Customer does so, the Customer must pay Shrddha Enterprises Pro Consultancy for all work done by Shrddha Enterprises Pro Consultancy up until the end of that 30-day period. 3. The Customer may not suspend work on the Services without Shrddha Enterprises Pro Consultancy’s written consent.
10 WARRANTIES
Each party warrants that it:
1. has the authority to enter into and perform its obligations under this Agreement and that this Agreement has been duly executed and is a legal, valid and binding Agreement; 2. will comply at all times with applicable Laws; and 3. will not do anything or make any statement that could be reasonably expected to harm the reputation of the other party.
11 SUPPLIER WARRANTIES
1. Shrddha Enterprises Pro Consultancy warrants that: 1. Shrddha Enterprises Pro Consultancy has all applicable licenses, permits and government authorisations required to perform its obligations in accordance with this Agreement; and 2. the use by the Customer of any Deliverables will not infringe the rights (including Intellectual Property Rights) of any other person. 2. Shrddha Enterprises Pro Consultancy acknowledges that the Customer has entered into this Agreement in reliance on the warranties in detailed in this clause.
12 LIMITATIONS ON LIABILITY
1. Neither party will be liable to the other whether in contract, tort (including negligence) or otherwise in connection with the Agreement, for loss or damage to the extent that the other party (or the other party’s Personnel) contributed to the loss or damage. 2. Subject to clause 12(e), to the extent permitted by Law, neither party will be liable to the other party for any Consequential Loss suffered or incurred by the other party whether in contract, tort (including negligence) or otherwise in connection with the Agreement. 3. Subject to clause 12(e), to the extent permitted by Law, the maximum liability of Shrddha Enterprises Pro Consultancy to the Customer, whether in contract, tort (including negligence) or otherwise in connection with the Agreement (including under an indemnity), is limited to amount specified in a Proposal or Statement of Work, and if no amount is specified in a Proposal or Statement of Work, then is limited to $50,000. 4. Subject to clause 12(e), to the extent permitted by Law, the maximum liability of the Customer to Shrddha Enterprises Pro Consultancy, whether in contract, tort (including negligence) or otherwise in connection with the Agreement, is limited to twice the Fees specified in a Proposal or Statement of Work. 5. The exclusions and limitations of liability in clauses 12(b), 12(c) and 12(d) do not apply to liability in relation to:
1. personal injury, including sickness and death; 2. loss of, or damage to, tangible property; 3. an infringement of Intellectual Property Rights; 4. fraudulent act or omission; or 5. any breach of any obligation under clause 6. 6. A party who suffers loss or damage must use reasonable steps to mitigate its loss. The other party will not be responsible for any loss, damage or expenses to the extent that the injured party could have avoided or reduced the amount of the loss, damage or expense, by taking reasonable steps to mitigate its loss. 7. Shrddha Enterprises Pro Consultancy’s liability under this Agreement will be reduced proportionally to the extent to which any loss was caused or contributed to by any negligence or other wrongful act or omission of the Customer or its employees or agents. 8. Notwithstanding any other clause of this Agreement and to the extent permitted by Law, Shrddha Enterprises Pro Consultancy excludes liability to Customer whether in contract, tort (including negligence) or otherwise in connection with the Agreement (including under an indemnity) for:
1. the way the Customer and its Personnel use any software provided by Shrddha Enterprises Pro Consultancy or for the safety of road users; 2. personal injury, death or property damage arising from or related to the use, failed use, misuse, non-operation or incorrect operation by the Customer of any software provided by Shrddha Enterprises Pro Consultancy; or 3. claims made by third parties against the Customer for, relating to or because of the use, failed use, misuse, non-operation or incorrect operation by the Customer of any software provided by Shrddha Enterprises Pro Consultancy.
13 ASSIGNMENT AND SUBCONTRACTING
Shrddha Enterprises Pro Consultancy must not assign or novate, directly or indirectly, any of its rights or obligations under this Agreement without the prior written consent of the Customer, except that Shrddha Enterprises Pro Consultancy may assign this Agreement in connection with the sale or reorganisation of all or part of Shrddha Enterprises Pro Consultancy’s business, or due to a machinery of government change. Shrddha Enterprises Pro Consultancy must not subcontract or delegate any of its obligations under this Agreement unless explicitly allowed in a Proposal or Statement of Work. Shrddha Enterprises Pro Consultancy is a contractor of the Customer. Shrddha Enterprises Pro Consultancy is not an agent or employee of the Customer. Shrddha Enterprises Pro Consultancy has no authority to bind the Customer. The Customer has no authority to bind Shrddha Enterprises Pro Consultancy.
14 SURVIVAL
Without limiting any other provision of this agreement, clauses 4, 6, 7 and 12 survive termination or expiry of this Agreement for any reason.
15 REPRESENTATIVES
A Proposal or Statement of Work set out the representatives of each party for the purposes of this Agreement. These representatives will be the first point of contact between the parties in relation to any matter relevant to the Agreement. The contact details of each representative may be updated from time to time by the party that appointed the relevant representative by notice in writing to the other party.
16 NOTICES
Any notice, demand, consent or other communication (a Notice) given or made under this Agreement: 1. must be in writing and signed by the sender or a person duly authorised by the sender; 2. must be addressed and delivered to the intended recipient by prepaid post or by hand or email to the address or email address of the representative of the party as specified in a Proposal or Statement of Work, or as last notified by the intended recipient to the sender; and 3. will be conclusively taken to be duly given or made when delivered, received or left at the above email address, or address. If delivery or receipt occurs on a day that is not a business day in the place to which the Notice is sent or is later than 4pm (local time) at that place, it will be conclusively taken to have been duly given or made at the commencement of business on the next business day in that place.
17 DISPUTE RESOLUTION
1. If a dispute arises out of or in relation to this Agreement, either party may notify the other in writing in which case a nominated representative of each affected party must promptly attempt in good faith to resolve the dispute. If the parties are unable to resolve the dispute within seven days of the written notification referred to in this clause, each party must promptly refer the dispute for resolution to one of the Managing Director, Chief Executive or Chief Operating Officer (Senior Executive) of that party. 2. If the parties are unable to resolve the dispute within 21 days following referral to the Senior Executive of the relevant parties, then either party may use such lawful dispute resolution procedures or seek such legal and equitable remedies as it considers necessary or appropriate in its sole discretion. 3. Nothing in this clause 17, shall prevent a party from seeking urgent injunctive relief before an appropriate court.
18 GENERAL
1. This Agreement contains the entire agreement between the parties with respect to its subject matter. 2. This Agreement may only be amended only by another written agreement executed by all the parties. 3. No failure to exercise or delay in exercising any right, power or remedy under this Agreement operates as a waiver. A single or partial exercise or waiver of the exercise of any right, power or remedy does not preclude any other or further exercise of that or any other right, power or remedy. A waiver is not valid or binding on the party granting that waiver unless made in writing. 4. The rights, powers and remedies provided to a party in this Agreement are in addition to, and do not exclude or limit, any right, power or remedy provided by law or equity or any agreement. 5. Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction is ineffective as to that jurisdiction to the extent of the prohibition or unenforceability. That does not invalidate the remaining provisions of this Agreement nor affect the validity or enforceability of that provision in any other jurisdiction. 6. Each party must bear its own costs arising out of the negotiation, preparation and execution of this Agreement. 7. This Agreement and, to the extent permitted by law, all related matters including non-contractual matters, is governed by the laws of Queensland. In relation to such matters each party irrevocably accepts the non-exclusive jurisdiction of courts with jurisdiction in Queensland and waives any right to object to the venue on any ground. 8. This Agreement may be executed in any number of counterparts. All counterparts will be taken to constitute one agreement.
19 DEFINITIONS AND INTERPRETATION
19.1 DEFINITIONS
The following definitions apply unless the context requires otherwise. Commencement Date is defined in a Proposal or Statement of Work. Confidential Information means all non-public business or technical information, in any form whether tangible or not, disclosed or communicated by a party to the other, or learnt or accessed by, or to which the other party is exposed as a result of entering into this Agreement. Confidential Information does not include information which party can demonstrate by written records was:
1. already known to that party; 2. received by that party from a third party not under a duty of confidence; or 3. independently developed by that party by people who did not have access to the Confidential Information of the other party. Consequential Loss means any indirect or consequential Loss, including any loss of profits, loss of revenue, loss of or damage to data, loss of contract value, loss of anticipated savings, loss of opportunity, and loss of reputation or goodwill. Deliverables are any works, reports, materials or items that Shrddha Enterprises Pro Consultancy is required by this Agreement to provide to Customer, including those deliverables specified in a Proposal or Statement of Work. Fees means the fees and expenses set out in a Proposal or Statement of Work. Force Majeure Event affecting a party means a circumstance beyond the reasonable control of that party causing that party to be unable to observe or perform on time an obligation under this Agreement, including acts of God, lightning strikes, earthquakes, floods, storms, explosions, fires and any natural disaster, acts of public enemies, terrorism, riots, civil commotion, malicious damage, sabotage, revolution and acts of war and war, general strikes (other than of its own staff), embargo, pandemic, or power, water and other utility shortage. Initial Term means the initial term set out in a Proposal or Statement of Work. An Insolvency Event occurs in respect of a person where:
1. a party ceases, suspends or threatens to cease or suspend the conduct of all or a substantial part of its business or disposes of or threatens to dispose of a substantial part of its assets; 2. a party becomes unable to pay its debts when they fall due, or stops or suspends or threatens to stop or suspend payment of all or a class of its debts; 3. a party becomes or is (including under legislation) deemed or presumed to be insolvent; 4. a party has a receiver, manager, administrator, administrative receiver or similar officer appointed in respect of it or the whole or any part of its assets or business; 5. any composition or arrangement is made with any one or more classes of its creditors; 6. except for the purpose of solvent amalgamation or reconstruction, an order, application or resolution is made, proposed or passed for its winding up, dissolution, administration or liquidation; 7. a party enters into liquidation whether compulsorily or voluntarily; or 8. any analogous or comparable event takes place in any jurisdiction.
Intellectual Property Rights means all industrial and intellectual property rights of any kind including but not limited to copyrights (including rights in computer software), trade marks, service marks, designs, patents, trade secrets, semi-conductor or circuit layout rights, trade, business, domain or company names, rights in Confidential Information, know-how and other proprietary rights (whether or not any of these are registered and including any application, or right to apply, for registration) and all rights or forms of protection of a similar nature or having equivalent or similar effect to any of these, which may subsist anywhere in the world, but excludes moral rights, and similar personal rights, which by law are non-assignable.
Law means all applicable laws including rules of common law, principles of equity, statutes, regulations, proclamations, ordinances, by laws, rules, regulatory principles, requirements and determinations, mandatory codes of conduct and standards, writs, orders, injunctions and judgments, and includes any Privacy Laws.
Loss means any claim, loss, damage, liability, cost, charge or expense (including legal expenses on a full indemnity basis), however arising, and whether present or future, fixed or unascertained, actual or contingent. Personal Information has the meaning given to that term in the Privacy Act. Personnel means, in respect of a person, any officer, employee, contractor, servant, agent, or other person under the person's direct or indirect control and includes any subcontractors. Privacy Laws means all legislation, principles, industry codes and policies, as amended or replaced from time to time, which relate to the collection, use, disclosure, storage or granting of access rights to Personal Information, and includes the Privacy Act 1988 (Cth), the Queensland Information Privacy Act 2009 and the Spam Act 2003 (Cth). Related Body Corporate has the meaning given to that term in section 9 of the Corporations Act. Renewal Term means the periods for which the Term shall successively renew, as set out in a Proposal or Statement of Work. Services is defined in a Proposal or Statement of Work. Term means the period from the Commencement Date until the end of the Initial Term or any applicable Renewal Term.
19.2 INTERPRETATION
Headings are for convenience only and do not affect interpretation. The following rules apply unless the context requires otherwise.
1. the singular includes the plural and conversely; 2. where a word or phrase is defined, its other grammatical forms have a corresponding meaning; 3. a reference to a person includes any body corporate, unincorporated body or other entity and conversely; 4. a reference to any party to this Agreement or any other agreement or document includes the party’s successors and permitted assigns; 5. a reference to any agreement or document (including a reference to this Agreement) is to that agreement or document as amended, notated, supplemented, varied or replaced from time to time, where applicable, in accordance with this Agreement or that other agreement or document; 6. a reference to any legislation or to any provision of any legislation includes any modification or re-enactment of it, any legislative provision substituted for it and all regulations and statutory instruments issued under it; 7. a reference to conduct includes any omissions, statement or undertaking, whether or not in writing; 8. a reference to includes, means includes without limitation; and 9. all references to $ are to Australian dollars, unless otherwise specified. .