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POLICY ON PRIVACY & SECURITY OF INFORMATION
All references to the masculine shall include the feminine and all reference to the singular shall include the plural and vice-versa. All reference to client/customer/investor whether masculine or feminine include reference to non-individuals also unless repugnant to the context thereof.
Any reference to any statute or statutory provision shall be construed as including a reference to any statutory modifications or re-enactment therein from time to time.
References to 'you, 'your' and ‘yours' are references to the person(s) accessing this website.
References to 'we', 'us' and 'our' are references to mean individually and collectively, the Trustees of Canara Robeco Mutual Fund, Canara Robeco Asset Management Company Limited, its directors, officers and employees.
Headings are for ease of reference only.
This policy has been formulated by CRAMC in its capacity as the Investment Manager to the Schemes of Canara Robeco Mutual Fund (“CRMF”). Canara Bank and ORIX Corporation Europe NV (formerly known as Robeco Groep NV) are the Sponsors of CRMF. CRAMC and CRMF are hereinafter collectively referred to as “Canara Robeco”.
Sources of Data
Canara Robeco collects personal data or information about you from a variety of sources, such as:
Online and electronic interactions including this website, text messaging programs or through its branded pages or applications on third party networks;
Offline interactions, including via direct marketing campaigns, hard copy registration / application forms and the contacts generated by consumer services call centres of Canara Robeco and its Registrar and Transfer Agents (“RTA”); and
Your interaction with online targeted content (such as advertisements) that Canara Robeco, or service providers on our behalf, provide to you via third party websites or applications.
CRAMC either directly or through third party service providers engaged by CRAMC such as, the Registrar and Transfer Agents collects, receives, possesses, stores, deals or handles information received from investors/client/customers whether existing or prospective clients. Such information could be personal and sensitive in nature such as:
Name, date of birth, mobile number, email ID, address etc.,
PAN, Bank account details, change of bank account details or registration of multiple bank accounts etc., through application forms or otherwise;
Payment instrument details at the time of submitting application or at the time of investment or as a proof for carrying out change of bank account or any other details of debit card obtained (if any);
Generation and storing of password or Personal Identification Number (“PIN”) in encrypted form based on the request from the investor under the online mode of investments;
Biometric information obtained, if any;
Demat Account details like beneficiary account number etc;
Annual income and savings profile; and
Any other information as may be considered sensitive and personal.
Purpose of data collection
The aforesaid information is collected by CRAMC for the following purpose:
to conduct its business
to process the investment applications
to ensure safe subscription/redemption through points of acceptance in physical form, website, online portals, Automated Teller Machines (ATM) and such other modes.
to inform and make available products and services that may be of interest to you and
for the development of website statistics.
to contact you when necessary, e.g. to notify you about functionality changes to the website and to offer services that you may find helpful (provided you have not opted out to receive such services).
The aforesaid information is the basis of our ability to provide investors/clients/customers with good, qualitative, timely and efficient service, while also keeping the information and data provided totally secure and confidential. We do not reuse data for any purposes other than those stated herein.
Every marketing email will include instructions on how to unsubscribe from these messages or change your preferences.
We endeavour to have suitable technical, operational and physical security controls and measures to protect personal/ sensitive data or information of the investors/customers/clients that are commensurate with the nature of our business at all times.
Confidentiality and Disclosure of Information
As a general rule, we do not disclose your personal information to anyone. We permit only authorized employees who are trained in the proper handling of customer information, to have access to aforesaid information. We also enter into suitable terms with third party service providers in order to protect client confidentiality and follow a non-disclosure or restricted disclosure policy. Further, the employees who violate the privacy and confidentiality would be rendered liable to appropriate disciplinary action.
We shall reveal only such information to the external authorities as may be found relevant and necessary in order to comply with the applicable laws of the land and to third party service providers such as RTA/ distributors/ banks/ sub-brokers/call-centres/custodians/depositories and such other entities/persons to ensure smooth functioning of the activities as may be prescribed under applicable laws or Regulations.
By using our website or by agreeing to transact with us, you agree to the above sharing of information during your relationship with us. However, to the extent permitted by law and any applicable Regulations, certain non-public information about you may be disclosed/used in the following situations:
To comply with applicable laws including cyber laws and validly issued and enforceable statutory or judicial notice/ summons/orders.
In conjunction with a prospective purchase, sale, or merger of all or part of our business, provided that we take appropriate precautions (for example, through a written confidentiality agreement) so the prospective purchaser or merger partner does not disclose information obtained in the course of the review.
As a part of any actual or threatened legal proceedings or alternative dispute resolution proceedings either initiated by or against us, provided we disclose only the information necessary to file, pursue, or defend against the lawsuit.
To enforce legal rights/provisions of the Scheme related documents of the Mutual Fund viz. Scheme Information Documents (SID), Statement of Additional Information (SAI) and Key Information Memorandum (KIM).
To contact investors/clients/customers regarding the products and services offered by us and seek feedback on the services provided.
To generate statistics and reports and/or to protect and defend the rights, interest and property of CRMF, CRAMC, Sponsors & its affiliates and directors.
To provide information to affiliates of CRAMC and non-affiliated third parties who perform services or functions for us in conjunction with our services to you, provided we have a contractual agreement with the other party which prohibits them from disclosing or using the information other than for the purposes for which it was disclosed.
It is to be noted that Internet Protocol (IP) addresses, browser supplied information and site session information may be recorded as part of the normal operations and for security monitoring purposes.
Information Authenticity and Retention
It is our foremost endeavour to ensure that Customer’s privacy is protected at all times. However, any information/data provided/to be provided shall be verified and rechecked by the investors/customers/clients before providing the same to CRAMC or any other person acting on its behalf. Post submission of information/data, if the investor/customer/client finds any such submitted information/data being incorrect or inaccurate, the same shall be immediately informed to CRAMC or any other person acting on its behalf for rectification/ amendment.
CRAMC or any other person acting on its behalf shall not be responsible for the accuracy and authenticity of the information/data submitted by investors/customers/clients.
CRAMC may retain the information/data as may be provided by investors/customers/clients till such time as may be permitted under law and as required to efficiently provide services to the investors/customers/clients.
CRAMC may gather and analyse information regarding usage of this website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session. This information may be gathered by using a cookie .A cookie is a small text file placed on your hard drive by our web page server which can be used to recognize repeat users, facilitate the user's ongoing access to and use of the site, allow a site to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising, preferences etc. Cookies themselves do not personally identify you, but they do identify your computer, computer resources and devices connected with computer resources including Mobile phones. You can choose whether or not to use a cookie by altering the settings of your browser. A cookie will make the use of this website faster and easier.
Types of Cookies
Canara Robeco uses (1) Functional and (2) Non-Functional Cookies.
Functional Cookies are used to ensure the functionality of its websites or services.
Non-Functional Cookies are used to collect information on this Website usage and to remember the selections you make such as language preferences, web pages visited or duration of a user session. Canara Robeco uses these cookies to enhance your user experience on this website.
Cookies can further be subdivided into:
Session Cookies: These can be used to track the web pages you visit and the options you use. A session cookie is only stored for the duration of your visit to the internet, i.e. during a single internet session. When you close your internet browser, this session ends and the cookie is deleted;
Permanent Cookies: These are used to recognize the investors/client/customers on their subsequent visit to this Website or to remember their preferences. Permanent cookies are stored for longer duration than the Session Cookies.
By using this Website, you agree to the processing of the data collected during your visit in the manner and for the purposes set out above. You have the option to control and/or delete the cookies. You can block certain cookies by selecting the appropriate settings on your Internet Browser. Please note, however, that if you do this, the functionality of this Website may be affected.
Third Party Sites
Please note that this Privacy Statement does not extend to third party sites linked to this Website.
If investors/customers/clients have any concerns relating to their personal and sensitive information they may be addressed to Mr. M. Paparao Head - Mid Office & Investor Relations . For more details please refer to the Scheme related documents as available on our Website.