How does Bajaj Auto Credit Ltd. (BACL) treat data collected from your visit on their web site, Mobile Apps, or Bot Assistant ?
The information provider's or his/her family members' Personal information [hereinafter referred to as "provider's
Personal information”] are confidential matters and Bajaj Auto Credit Ltd. [hereinafter referred to as "BACL"] recognizes the
same. BACL is committed to keeping the information provider's Personal information confidential and secure and the
provider of the information is protected, not only by the applicable privacy laws but, more importantly, by BACL's commitment
to safeguard the privacy of personal information.
Notice
The information provider can surf all BACL website [which are available to the public] anonymously. When the information
provider surfs BACL's website or uses Mobile Apps or Bot Assistant or provider's Personal information is collected through
any other mode/source viz. inquiry forms/ Renewal notices, non-disclosure agreement, emails, or through the call center, or
any other modes of communication whether at the time of leads, or in the process of solicitation or procurement, or while
servicing the customers or when loan communications are being made by customers, at any time, we will be collecting,
processing and using the provider's Personal information or sensitive personal data/information of the provider. This
information, includes but not limited to Customer Name, Residential address, Family Details, Email ID, Mobile Number,
Birth Date, Aadhaar/PAN Number, Location data, IP address, etc. The information that we request will be retained by us
and used as described in this privacy policy. The app does use third-party services that may collect information used to
identify you.
The information provider is requested to kindly note that, while surfing/accessing BACL website or the information provided
through any of the above-given modes, for whatever purpose, when personal information/data and or sensitive personal
data/information is provided by the information provided it is sufficient authorization and or deemed authorization to BACL
to call back the information provider or store and use the personal information/data and or sensitive personal
data/information of the information provider or any family members of information provided for the purpose of solicitation
and procurement of business by BACL.
In this regard, the information provider or his/her family members will not be informed separately and surfing our or
providing the Information, Personal information or sensitive personal data/information of the information provider or any
family members of information provider by any of the above means shall be sufficient consent given by information
the provider or his/her family members that such provider's Personal information/sensitive personal information of
information of provider or any family members of information provided may be used by BACL for sending/calling for any
promotional purposes, for the marketing of any products of BACL, for lead generation, cross-sell, soliciting and procuring any
business for BACL without any limitation of whatsoever and you hereby give your irrevocable consent for the same and in
In this regard, you shall not hold BACL liable for use the information/personal data/sensitive personal data. We store all the
Personal information and or sensitive personal data/information in our servers/servers of service providers with all
safeguards and such preserving of Personal information or sensitive personal data/information shall be for such period as
per the policy of BACL.
Notwithstanding telephone/mobile of the information provided is registration with NDNC and or notwithstanding the
Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by the information provider's
accessing BACL website [which are available to the public] and surfing/leaving the site halfway enquiring/verify BACL's
products/services and or the information provider making a request to call him back, or by information provider providing
the information of himself and his/her family members under any of the modes mentioned hereinabove, it is deemed that
the information provider has expressly authorized BACL and or the information provided hereby authorize BACL to call
him/her back or send text messages or emails to the information provider for sending promotional
messages/emails/information or for solicitation and procurement of various insurance/loan products, or for cross-sell, and
for services of BACL and also for service calls. In this regard notwithstanding the registration/non-registration under NDNC,
the information provider or any family members of him/her shall not have any complaint or objections of whatsoever nor
complain to TRAI as to any alleged unsolicited calls by BACL to the information provider or any family members of him/her.
Choice
In some cases, we may share the information provider's Personal information and or sensitive personal data/information
with our employees, licensed agents, telemarketers, legal advisers, consultants, Service Providers, auditors, etc. In such
cases the provider of the information is deemed to have permitted BACL to so disclose and use the same for their requirements
and or for the purpose of their actions on our behalf and or for their offering their Services/products on our behalf. If
sensitive personal data/information is collected by us on BACL's websites or by any other modes mentioned hereinabove by
authorized person/s on behalf of BACL only in cases where it is required and considered necessary for offering the respective
products/services of BACL and subject to what is stated elsewhere in this privacy policy, we will use sensitive personal
data/information only for offering the BACL's products/services. Further, any Personal Information or sensitive personal
data/information may be disclosed, without consent of the provider of information, to government authorities, courts,
statutory authorities, financial institutions/credit bureaus/agencies/participation in any telecommunication or electronic
clearing network as may be required by law, customary practice, credit reporting, statistical analysis, and credit scoring,
verification or risk management and or as per provisions of laws, or to any third parties as per directions received under
laws, as the case may be.
Access
We respect the information provider's privacy rights, particularly the information provider's right to access his/her
information. If the information provider asks us, and to the extent provided by Indian law, we will share with the information provider the personal information we collect/collected and retained about the information provided through our websites. We will keep the information provider's data accurate but for any mistakes, we shall not be liable or responsible provided always BACL shall not be responsible for the authenticity of the personal information or sensitive personal data or information supplied by the provider of information to BACL or to any other person acting on behalf of BACL.
Please provide us with any changes or corrections in data/information of the provider of information by sending your request to our grievance officer. As and when the request is sent by the provider of information to our grievance officer, to review the personal information or sensitive personal data or information we will review/update as per request and inputs of and information of provider of information and if personal information or sensitive personal data or information is found to be inaccurate or deficient or has to be updated/revised due to change, then we will correct or amend as feasible: BACL will comply with their obligations of secrecy.
Cookies
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory. This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a
cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this
Service.
Log Data
We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information
(through third party products) on your phone called Log Data. This Log Data may include information such as your device
Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our
Service, the time and date of your use of the Service, and other statistics.
Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. we have no control over and assume no responsibility for the content, privacy policies, or practices of any third party sites or services.
Children’s Privacy
These Services do not address anyone under the age of 18. we do not knowingly collect personally identifiable information from children under 18. In the case we discover that a child under 18 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do the necessary actions.
Data Security
BACL will take and implement the reasonable security practices, procedures, and standards as per the Policy of BACL, which will be as required and or not less than the applicable laws.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. we will notify you of any changes by posting the new Privacy Policy on this page.
Mr. Rajiv Bajaj is the Chairman, non-executive director of the Company. He graduated first in class, with distinction, in Mechanical Engineering from the University of Pune in 1988, and then completed his masters in Manufacturing Systems Engineering from the University of Warwick in 1991. He has since worked at Bajaj Auto in the areas of Manufacturing & Supply Chain (1990-95), R&D and Engineering (1995-2000), and Marketing and Sales (2000-2005). He has served on the board of Bajaj Auto Ltd since March 2002 and has been its Managing Director since April 2005. He has won several awards and recognition from various prestigious bodies and institutions for business leadership, entrepreneurship and innovation. His current priority is the application of the scientific principles of Homoeopathy to the task of building a brand centered strategy at Bajaj Auto with the objective of achieving its vision of being one of the world's leading motorcycle manufacturers. His directorships and other full-time positions in bodies corporates are as follows:
Mr. Rakesh Sharma is the non-executive director of the Company. He joined Bajaj Auto Limited, the holding Company in October 2007 as President (International Business) and is now an Executive Director of Bajaj Auto Limited. He led the International Business for over 10 years during which the business grew in scale to nearly INR ~10,000 crores representing close to 40% of Bajaj Auto’s revenues then. He was elevated to the position of Chief Commercial Officer in July 2018 with the responsibility to lead the front-end Business Units. He is a member of the Board of Commissioners of PT Bajaj Auto Indonesia, a subsidiary of Bajaj Auto Ltd. He is the Chairman of the Exports Council of the Society of Indian Automobile Manufacturers (SIAM) and the President of the International Motorcycle Manufacturers’ Association. Prior to joining Bajaj Auto, Mr. Sharma worked for over 20 years with the ICI Group in the chemicals, speciality materials and paints businesses in India and overseas. His last posting was as CEO-Southeast Asia for ICI Paints. Mr Sharma is a Commerce graduate from Delhi University and holds a PGDM from IIM Ahmedabad.
Mr. Kevin D'sa, has acquired a Bachelor's degree in Commerce from Pune University, completed his CA in 1978 and ICWA in 1981. He began his career with Bajaj Auto Limited in September 1978 and has completed 45+ years in BAL. He is presently the President - Retail Finance in Bajaj Auto Limited. Before taking over his current responsibility in 2019, he was heading the Finance function as President (Finance) & CFO of Bajaj Auto Limited for several years. He has also been the CFO of leading Bajaj Group NBFCs like Bajaj Finserv Ltd. and Bajaj Holdings and Investment Limited.
Mr. Pradip Shah is the Independent Director of the Company. Mr. Pradip P Shah runs IndAsia, a corporate finance and investment advisory business. He is also the co-founder of www.Grow-Trees.com, a web-enabled social initiative. Earlier, IndAsia had a joint venture with AMP of Australia for the private equity business. Prior to that, he helped establish the Indocean Fund in 1994, the first foreign India-dedicated private equity fund, in association with affiliates of Chase Capital Partners and Soros Fund Management. Before starting Indocean, he was the founder Managing Director of CRISIL, India's first credit rating agency. Mr. Shah provided technical assistance and training to Rating Agency Malaysia Berhad and MAALOT. He has been honored with a garden of a hundred trees in his name in Israel. Prior to founding CRISIL, Mr. Shah assisted in founding Housing Development Finance Corporation (HDFC), India's first retail housing finance company, in 1977 where he was seconded from ICICI, where he was Project Officer. Mr. Shah has also served as a consultant to USAID, the World Bank and the Asian Development Bank. Mr. Shah holds an MBA from Harvard, is a Management Accountant and ranked first in India in the Chartered Accountants' examinations. He has written articles and given talks in India and in Amsterdam, Abu Dhabi, Bahrain, Bangkok, Copenhagen, Hong Kong, Istanbul, Singapore, Kuala Lumpur, Jakarta, Shanghai, Bali, Colombo, Tel Aviv, London, Oslo, Washington, San Francisco, New York, Chicago, Boston, Perth, Melbourne and Sydney on credit rating housing finance, capital market, venture capital and other subjects. Mr. Shah is Chairman of Kansai Nerolac Paints, Sonata Software, BASF (India), Pfizer Ltd and Director of Godrej & Boyce and Bajaj Auto amongst other companies. He serves as Chairman of the Advisory Board of Infomo Global of Singapore, as member of Dun & Bradstreet International Advisory Board, and member of the Advisory Board of 4FO-X Ventures, Switzerland. He is Member, Banks Board Bureau appointed by the Government of India, was Chairman of IFSC International Retail Business Development Committee, was a member of the Committee for Economic Development of Gujarat post-Covid served on the Justice Easwar Committee for simplifying direct taxes, serves on the Management Committees of the IMC Chamber and Bombay Chamber, was a Director on the Western Region Board of Reserve Bank of India, was the first Chairman of the CII's Financial Sector Committee, and has served as a member of the Finance Commission of the State Government of Gujarat; of the Expert Group on Infrastructure Financing appointed by the Government of India; of the Advisory Board of the Bureau of State Public Enterprises, Government of Maharashtra of the CII National Task Force on Non-Performing Assets; of the SEBI Committee on Venture Capital; of the SIDBI Working Group on Access to Capital Markets for Small Industries; of the Expert Committee, Public Sector Restructuring Program, Government of Gujarat, and of the Gujarat Infrastructure Development Board Task Force on Policy and Implementation. He also serves as Governing Council Member of Somaiya Vidyavihar University and other non-profit organizations and co-founded Harvard Business School Association of India.
Mr. Arun Nathani is the Independent Director of the Company. He is also the Chief Executive Officer and Managing Director of Cybage Software. Cybage is a data-driven company, and this work ethic primarily originates from Arun's thought process of giving more importance to how the analysis of data is applied to decision-making rather than the data alone. This thought process has led to the conceptualization of ExcelShore™ for Digital Excellence, which is a unique data-driven system used for all core decision-making in the organization. Arun started his career as a software design engineer in the USA and has been contributing to software development and quality management ever since. He returned to India in the early ’90s and founded Cybage with the intention of creating one of the most efficient IT service companies in the world that provides a high value chain in the product engineering and IT services space. He believes that the right balance must be struck between being ‘customer-centric’ and ‘employee-centric’ in order to benefit from and provide benefits to both entities. He is a strong believer in the empowerment of the society through education and has been instrumental in establishing and promoting two Corporate Social Responsibility wings of Cybage: CybageAsha and CybageKhushboo. Arun was awarded the ‘CEO of the Year Award’ by the National Awards in IT Excellence. He has also been conferred the ‘CEO with HR orientation Award’ during the Talent & HR Leadership conference organized by World HRD Congress and ET Now. He was honored with the ‘Global HR Excellence’ award at the Asia Pacific HRM Congress. Arun is dedicated towards staying healthy and is very disciplined about it. He encourages all Cybagians to maintain a healthy physical and mental state in order to attain optimal productivity and a balanced personal and professional life. He is a conscious writer, drawing out management lessons from real-life situations and sharing them on his blog www.arunnathaniblog.com, which is regularly read by all Cybagians and a large populace outside of Cybage.
Ms. Smita Mankad has three decades of experience spanning the corporate, social and government sectors, and further, a combination of both grassroots level work and board level governance – unique combinations that give her an unparalleled perspective on both policy and implementation. An Independent Woman Director on top level corporate boards, and an independent consultant to retail, social and craft enterprises offering business planning support to ensure sustainability, where she aims to combine commercial impact with social impact – her area of interest, passion and experience. Smita currently serves as Independent Woman Director on the Boards of Fabindia Limited, Mahindra Heavy Engines Ltd. (MHEL), Blue Planet Integrated Waste Solutions Ltd., Mahindra Rural Housing Finance Ltd., Swaraj Engines Ltd., Imperial Auto Industries Ltd., Bajaj Auto Credit Ltd and DSP India International Financial Services Centre. She is also on the Boards of the Women on Wings Foundation in the Netherlands and India; WOW is an Indo-Dutch organization whose aim is to create 1 million jobs for women in rural India, and TARSHI, an NGO which works on creating safe spaces for young people. She has served on the Boards of Mahindra Vehicle Manufacturing Ltd. till its merger into M&M, Mahindra Renewables (solar), Mahindra Auto Steel Ltd., and Compact India Pvt. Ltd., a company in the area of international humanitarian aid producing rescue food for severely malnourished children. An Economics (Hons) graduate from Lady Shriram College for Women (1989-92) Delhi University, and an MBA from Narsee Monjee Institute of Management Studies (1992-94) Mumbai University, India, she started her career with TATA Motors in export finance, and after 6 years with ABN AMRO Bank in corporate banking product management, moved to Fabindia where she has spent 12 years across various divisions including international business, retail operations and setting up new stores, launching the personal care range, creating systems processes and internal audits, and thereafter managing the Fabindia’s entire sourcing and supply chain its wholly owned subsidiary Artisans Micro Finance Pvt. Ltd. (AMFPL), of which she was Managing Director from 2008 to 2013. She also worked with ORGANIC INDIA from 2013 – 15 on their nutrition, preventive healthcare and wellness enterprise. Smita has participated in Vital Voices programs and received several awards, including the Vedica Women’s Alliance V-WA 50 Award and the Social Innovation Award. She was awarded the Chevening Fellowship at the University of Oxford in 2021. She remains committed to social entrepreneurship, women's leadership, and mentoring, and practices reflexology while running a zero waste-to-landfill home.
