1. Traffic Data Collected
We automatically track and collect the following categories of information when you visit our Website:
2. Information Collected from You
In order for you to access certain areas of the Website, we may require you to provide us with certain information ("Personal Information"). Personal Information includes the following information:
Personal Information and Third Party Information are collectively referred to as "Information".
We are required under applicable laws to retain certain records for a period of at least 5 (five) years after closure of your apechallan account, which will include your personal data such as your name, contact details, customer number and transaction history, etc. ("Retained Data"). Other than the Retained Data, we will delete and destroy all Personal Information that we hold about you when you (or we) terminate your apechallan account. We do not store your online banking login PIN, TAN and/or password.
Please note that we will not store your credit card / Net Banking information.
Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from apechallan requesting your personal or security details, please do not respond to it ("Such E-mail"). Please forward any Such E-mail to email@example.com and thereafter delete the e-mail immediately.
Disclosure of Information
We do not disclose your Information to any third parties other than the Website's affiliates and the following:
We also use Information in aggregate form (so that no individual user is identified):
We reserve the right to disclose Information if required to do so by law or if we believe that it is necessary to do so to protect and defend the rights, property or personal safety of the Website, or its users.
When you open a apechallan account, at intervals of up to every 3 (three) months and at any other time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information about you and your apechallan account, financial history and transactions as part of our normal business operations with banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies (including, but not limited to) to identify and verify users, to limit our exposure to fraud and other criminal activities and to manage our financial risk. We can provide you with a list of the credit reference agencies we use upon your written request to apechallan Helpdesk. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information and may share this information with other fraud prevention agencies. If you want to know what information these companies hold about you, you can write to them to request access to your information.Anti-Money Laundering Policy
These are cookies which are essential for our Website to operate such as those which identify you so you can log into your apechallan account. They allow you to move around our Website and use the services you have requested. These Cookies will be activated when you enter our Website and as you use our Website.
These include Cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your apechallan account from being hijacked. These cookies will be activated when you enter our Website and as you use our Website.
These are Cookies that help us to improve how our Website works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. They also allow us to see if you have used the Website of one of our group or affiliated companies. All information collected by these Cookies is aggregated and therefore anonymous.
These Cookies allow us to deliver a more personalized service to you and allow our Website to remember choices you have made such as the language you prefer or the region you are in. They may also be used to provide services you have requested such as being able to comment on one of our blogs.
When you visit a page on our Website with content embedded from third parties, for example, YouTube or Twitter, Cookies may be downloaded onto your device. We do not set or control these Cookies. If you are concerned about the types of Cookies that may be downloaded you check the third party websites for more information about these Cookies.
In limited circumstances we also may use "Web Beacons" to collect anonymous, non-Information about your use of our Website and the websites of selected sponsors and advertisers, and your use of e-mails, special promotions or newsletters we send to you. Web Beacons are tiny graphic image files imbedded in a web page or email that provide a presence on the web page or e-mail and send back to its home server information from the user's browser. The information collected by web beacons allows us to statistically monitor how many people are using the Website and selected sponsors' and advertisers' websites, or opening our e-mails, and for what purposes.Website Analytics
We may use third party website analytics services in connection with the Website. These website analytics services do not collect information that you do not voluntarily enter into the Website. These services do not track your browsing habits across websites which do not use their services. We are using the information collected from these services to find usability problems to make the Website easier to use. The recordings will never identify you or your account.Security Checks, Review and Releases
To maintain a high level of security, we reserves the right to conduct a security review at any time to validate your identity, verify your financial transactions and further document your consent to this Agreement. To facilitate these security checks, you agree to provide such identification or other information or documentation as we, in our sole and unfettered discretion, deem necessary. If you fail to comply with any security request, we reserve the right to void your apechallan account. You will be notified of such verification request by e-mail or telephone and your apechallan account balances will be forfeited if you fail to provide us with such requested documentation and information within the time period reasonably specified by us. Such request for documentation and information may include a sworn affidavit of identity and eligibility, release of liability in favour of us and publicity authorization.User Choice
You may choose not to provide us with any Information while accessing the Website. In such an event, you can still access much of the Website; however you will not be able to access and use those portions of the Website that require your Information.Confidentiality and Security
Any information that you may reveal in a review posting or other online discussion or forum is intentionally open to the public and is not in any way private. You should think carefully before disclosing any personally identifiable information in any public forum. What you have written may be seen and/or collected by third parties and may be used by others in ways we are unable to control or predict.Security
We are committed to ensuring that your Information is secure. To prevent unauthorized access or disclosure of Information we have physical, electronic and managerial procedures in place to keep your information safe. Once logged into your apechallan account, all internet communication is secured using Secure Socket Layer (SSL) technology with high security 128bit encryption.
However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your apechallan account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on but you should always also immediately contact customer services at apechallan Helpdesk and tell us why you think your login details have been compromised. Please read our Terms and Conditions for further information on how to keep your apechallan account safe.
If you have questions or concerns, feel free to e-mail us or to correspond at esevaworld Helpdesk and we will attempt to address your issue.