User ContentBy using TIL Services (for example, when you register for an account, communicate with us, on Our sites or applications or through social media), you agree and provide consent to Our collection, use and sharing of your personal information as described in this policy.
Accessing Site and TIL Services through VPNYou should not access or use the Site or TIL Services by means of any mechanism or technology which conceals your actual Geo - location or provides incorrect details of your location (for example, use a virtual private network (VPN) to access TIL Services, proxy server).
We will not be responsible or liable for any collection, storage or processing of your personal information or data if you use any mechanism or technology to access or use Site or TIL Services which conceals your actual geo-location.
Usage of our Mobile Applications.This policy shall also apply to our mobile applications. You are urged to update to the most current version of mobile applications. If you use an older version of these apps and/or access discontinued services, We may not be responsible or liable for any damages, due to any collection, storage and processing of your personal information as per older version of mobile application.
COLLECTION AND USE OF PERSONAL INFORMATION
A. Information you provide to Us
Information Collected at the time of registration.During registration, We ask that you provide basic personal information from you to continue to interact with you and to continue providing you the Services. Information that We may collect including but may not limited to the following-
- First/Last Name
- City, State, Address,
- E-mail id
- Contact number/Mobile No.
Information you provide to Us voluntarily.If you send Us personal correspondence, such as emails or letters, or if other users or third parties send Us correspondence about your activities or postings on the Site, We may collect and store such information.
We may collect additional information ( for example, your name, e-mail id, mobile number , location etc.,) at other times, including but not limited to, when you provide feedback(s), modify your content or email preferences, respond to surveys, provide comments, or communicate with Us. Additionally, We may also capture the financial information you provide Us such as investment details or compensation details when you use TIL Service functionalities like Wealth Calculator and Tax Calculator.
To improve the responsiveness of the Sites for our Users, we may use "cookies", or similar electronic tools to collect Information to assign each visitor a unique, random number as a User Identification (User ID) to understand the User's individual interests using the identified computer or device. Unless you voluntarily identify yourself (through registration, for example), we will have no way of knowing who you are, even if we assign a cookie to your computer or device. The only personal information a cookie can contain is information you supply. A cookie cannot read data off your hard drive or device. Our advertisers may also assign their own cookies to your browser (if you click on their ads etc.), a process that we do not control. We receive and store certain types of Information whenever you interact with us via Site or Service though your computer/laptop/netbook or mobile/tablet/pad/handheld device etc.
a User opts out using the Ads Settings, the unique Double-Click cookie
ID on the User's browser is overwritten with the phrase "OPT_OUT".
Because there is no longer a unique cookie ID, the opt-out cookie can't
be associated with a particular browser.
You can opt-out of Google Analytics for display advertising and customize Google Display Network ads using the Ads Settings options provided by Google
Log File Information
We may automatically collect limited information from your computer/device when you visit our site, application or service, for example;
- IP address
- Location/IP address
- Device serial number/ID
- SMS for OTP
- In App permissions for capturing location, storage, network connection and Wi-Fi connection
- Android Advertiser ID/ iDFA ID
- pages you view
- your computer/device's name,
- your operating system,
- browser type and version,
- CPU speed,
- connection speed.
- SSO ID
- Reviews and comments provided by you
- Your preferences while using the Sites
- Your activities and browsing patterns on the Site
- Articles and Topics, you have read, followed, shared and saved
- People you follow and people following you
- Response to a survey,
- any communications with us
Clear GIF.We may use "clear GIF" (Web Beacons) to track the online usage patterns of our Users in an anonymous manner, without personally identifying the User. We may also use clear GIF in HTML-based emails sent to our Users to track which emails are opened by recipients. We use this information to interracial deliver our web pages to you upon request, to tailor our Sites or Service to the interests of our users, to measure traffic within our Sites to improve the quality, functionality and interactivity of our Sites and let advertisers know the geographic locations from where our Users come without personally identifying the Users.
C. Inferred Information through usage and log data.We may track certain information about you based upon your behavior on TIL Services. We use this information for conducting internal research on Our users' demographics (such as age, gender), devices, interests, and behavior to better understand, protect and serve Our users.
We may also collect your Information to track user behaviour and preferences for internal analytics and research. We may also use your information:
- To evaluate your interest for various genres of content, services, offers;
- To perform analytics and conduct customer research, to determine your interest, for identifying content that generate sales and to analyses traffic patterns.
The above information may also be captured by keeping cookies on Our Sites by Our affiliates for the purposes mentioned above.
D. Information we collect from third parties
Information obtained from other Sources.We may receive information about you from other online sources. We may add it to Our account information system and treat it in accordance with this policy. If you provide information to the platform provider or other partner to whom We provide services, your account information including may be passed on to Us. We may obtain updated contact information(s) from third parties in order to correct Our records and fulfill the Services or to communicate with you or share the information with any third party.
Information obtained from Third party Sites.If you link, connect or login to your TIL Services account with a third party services they may send Us information such as your registered e-mail id and public profile information from the service as stated below;
- Facebook –Email ID and public profile information which may include name, profile picture, age gender etc.
- Google –Email id, language preference and age.
- LinkedIn – Email id, public information which may include name, profile picture, current position etc.
Demographic and other information.We may reference other sources of demographic and other information in order to provide you with more targeted communications and promotions. We use various third party analytics service providers, among others, to track the user behaviour on Our Site. They are used to support display advertising towards helping Us gain understanding of Our users' Demographics and Interests. The reports are anonymous and cannot be associated with any individual personally identifiable information that you may have shared with Us.
Subscription or Paid service data.When you chose any subscription or paid service, We or Our payment gateway provider may collect your personal information such as address or billing information, including your credit/debit card number and expiration date etc. The subscriptions or paid Services may be on auto renewal mode unless cancelled. If at any point you do not wish to auto-renew your subscription, you may cancel your subscription before the end of the subscription term or contact Us on Our support e-mail.
Transactional/ Billing information.Based on your purchase of a subscription or paid service, Our payment gateway partner may collect information, including but not limited to, your credit/debit card details or other bank account details along with your billing address. This information is stored by the payment gateway partner. For instance, the Services will be using third party payment gateway partners to process and facilitate the payment of your subscription fee to the Services for providing you access to the subscription; such payment gateway partners are not controlled by us. When you visit such payment gateways you do so at your own risk. We encourage you to familiarize yourself with the privacy statements provided by such payment gateways prior to providing them with information about you or entering into any transactions with them. We do not assume any responsibility or liability for such payment gateways, the content of such payment gateways and their privacy practices, nor do we endorse them.
We may receive financial or transactional information (for e.g., transaction ID, etc.) from third party vendors in case of payments, for reconciliation and validation of transactions and also for the purpose of resolutions of complaints (in case of failed transactions and refunds).
PURPOSES FOR COLLECTING, PROCESSING AND DISCLOSING YOUR PERSONAL INFORMATION.We use information to provide, analyses, administer, enhance and personalize Our service and marketing efforts, to process your registration, to provide you services, and to communicate with you related to below mentioned points. For example, we may use information to:
- To provide you and administer Our services
- Enabling registration/Sign Up and maintaining your accounts on TIL Service
- Providing you location specific content
- Analyses and understand Our audience, improve Our service (including Our user interface experiences),recommendation algorithms and delivery which may require sharing personal information with Our group companies and affiliates or third-party service providers
- To help advertisers understand Our audience and confirm the value of advertising on Our Site(however it is usually in the form of aggregated statistics on traffic to various pages within our site) and to provide you relevant ads
- To provide you with interest-based content like articles, stories, news on our site
- Facilitate your use of functionalities like Tax and Wealth calculator
- Enable your participation in various webcasts and webinars conducted on the Site
- Provide you with push notifications on your browser.
- Communicate with you concerning Our service (for example by email), so that We can send you news about TIL Services, details about new features and content available on the TIL Services, promotional announcements, and surveys, and to assist you with operational requests such as password reset requests.
- Allow you to participate in interactive features offered through Our Services
- Sharing with Our customer support team to resolve your queries/concerns related to your rights or services provided to you.
Information Use by the Company.The Information supplied by you enables Us to improve Our services and provide you the most user-friendly experience(s). In some cases for e.g. provision of certain service(s) or utility (ies), We may require your contact information as well. All required information is service dependent and TIL may use the above said user Information to, maintain, protect, and improve the Services and for developing new services.
We may also use your email address or other personally identifiable information to send commercial or marketing messages about our Services and/or such additional updates and features about third parties products and services with an option to subscribe / unsubscribe (where feasible). We may, however, use your email address for non-marketing or administrative purposes (such as notifying you of major changes, for customer service purposes, billing, etc.)
When you register with the Application or Services, we contact you from time to time about updating your personal information to provide you features that we believe may benefit/interest you.
Information sharing with legal authorities, affiliates.TIL shares your information with any third parties without obtaining the prior consent of User in the following limited circumstances:
- When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offenses. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms or for complying with the applicable laws and regulations.
Disclosure to Third parties
When we present Information to our advertisers -- to help them understand our audience and confirm the value of advertising on our Sites -- it is usually in the form of aggregated statistics on traffic to various pages / content within our Sites. We use third-party advertising companies to serve ads when you visit our Sites. These companies may use Information (excluding your name, address, email address or telephone number or other personally identifiable information) about your visits to this and other Sites or application, in order to provide advertisements about goods and services of interest to you. We do not provide any personally identifiable information to third party advertisers / ad-servers without your consent.
MergerIn the event Times Internet Ltd. is merged with or acquired by another company or in case of re-organization or re-structuring of business, we and Our affiliates may share your personal information, wholly or in part, with another business entity.
Third Party Surveys, Promotional Activities conducted on Site.Surveys, promotional activities, might be conducted on our Site by associated third party vendors directly. Your personal information such as name, email, phone number, IP address, country code etc., may be captured by the vendor, in case you provide the details for participation in the Survey, promotional activity. Please note that the personal information may be shared between us and vendors for processing and deriving insights from the survey results, promotional activity.
You may share your Information regarding your activities on Sites with third party social Sites to populate your social wall that is visible to other people.
DATA RETENTION AND ERASURE
How long do we store and use your Information.We retain the information which We have collected no longer than is necessary. This is determined on a case by case basis. Normally We will retain the information as long as you maintain an account with Us and till the time you continue to access and use TIL Services. We will delete your information as soon as reasonably possible, based on your account activity and in accordance with applicable law(s), whenever you request Us to do so. However, We may archive and/or retain some information for legal purposes.
When you use the Services or Sites (or any of its sub sites), we make good faith efforts to provide you, as and when requested by you, with access to your personal information and shall further ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient shall be corrected or amended as feasible, subject to any requirement for such personal information or sensitive personal data or information to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case, where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Because of the way we maintain certain services and/or due to requirements under applicable laws for retaining or preserving information, after you delete your information, such information and/or residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
Data Erasure.We retain your personal information as long as necessary for Us to provide services to you or you ask Us to not retain your data. If you no longer want Us to use your information then you can request that We erase your personal information and close your TIL Services account as soon as reasonably possible, based on your account activity and in accordance with applicable law(s)..
We may retain some of your personal information as necessary for Our legitimate business interests, such as fraud detection and prevention and enhancing safety. For example, if We suspend the TIL Services account for fraud or safety reasons, We may retain certain information from that account to prevent that user from opening a new account in the future.
We may retain and use your personal information to the extent necessary to comply with Our legal obligations. For example, we may keep some of your information for tax, legal reporting and auditing obligations.
Information you have shared with others (e.g., Reviews, forum postings) may continue to be publicly visible on the TIL Services, even after your account is cancelled. However, attribution of such information to you will be removed. Additionally, some copies of your information (e.g., log records) may remain in Our database, but are disassociated from personal identifiers.
Because We maintain copies of personal information to protect from accidental or malicious loss and destruction, residual copies may take a period of time before they are deleted from Our active servers and may remain in Our backup systems.
Please note that if you have multiple accounts with Us, then you will have to raise separate requests for each of the accounts, along with the associated email IDs or phone numbers.
Further, We may retain and use Your personal information to the extent necessary to comply with Our legal obligations. For example, We may keep some of Your information for tax, legal reporting and auditing obligations.
CHILDREN’S PRIVACY.TIL Service is not intentionally designed for or directed at persons less than 18 years of age. TIL does not knowingly permit any person who is under 18 years of age to register with the services or to provide any other personally identifying information. If TIL becomes aware or get notified that any personally identifiable information of persons less than 18 years of age has been collected on the TIL Services without verified parental consent, then TIL will take the appropriate steps to delete any such information.
However, We consider it the responsibility of parents to monitor their children’s use of Our services. Nevertheless, it is Our policy not to collect and process any personal information from children below 18 years of age or offer to send any promotional materials to persons in that category. TIL does not seek or intend to seek or receive any personal information from children. Should a parent or guardian have reasons to believe that a minor has provided TIL with personal information without their prior consent, please contact Grievance Officer to ensure that the personal information is removed from the TIL Services.