Welcome to https://www.dreamladdercapital.com ("Website" or "the Site"), operated and owned by DreamLadder Capital Private Ltd ("Company", "DreamLadder", "we", "us"), who values its customers (visitors and registered users) and ensures the confidentiality, integrity and security of the personal information, at all times. Hence, this privacy policy (�Policy�) outlines the types of information we collect and how we use and safeguard that information. By using or accessing the website in any manner, you unconditionally accept and agree without limitation or qualification to the policies and practices outlined in this �Privacy Policy� and �Terms & Conditions� available on the website. You hereby also consent that we will collect, use, and share your information in the following ways. If you do not agree with the �Terms & Conditions� of this policy, please do not proceed or continue further to use this website. This policy will help you understand the types of information we collect from you, the purpose for which the information is collected; how the information is used; the intended recipients of such information; and how the information is protected. If you would like more details, please contact us here
Definitions:
1. �Use��or��Using��means to browse, access, view, copy, availing services or any other benefit from using the website.
2. �User�, �You�, �Your��means any person, registered user, viewer or registered customer who browses, accesses, views or uses our website.
3. �Customer��means user who has or is willing to obtain the services of our website.
4. �Registered User� or �Registered Customer��shall mean and include the Users or Customers or visitors who have an investment account with DreamLadder, to avail the services or any part thereof, as provided on the website.
5. �Services��means all the services as provided in �Terms & Conditions� from time to time.
6. �Website��means and includes�www.dreamladdercapital.com, DreamLadder mobile�application�accessed through or downloaded from the app�store i.e. Android or IOS, which might be used or accessed at any other platform where the website can be accessed from on mobile phones and such other devices, like, mobile application (whether or not on android or IOS) or any other platform as provided by DreamLadder.
7. �DreamLadder��or��us��or��we��or��our��shall mean and refer to DreamLadder Capital Private Ltd and its affiliates, officers, employees, agents, partners and licensors.
8. �Terms & Conditions��shall mean the terms of use of the DreamLadder website, including any amendment or re-enactment thereof.
What personal information we collect:
9. �Personal Information� means any information that can be used to identify you personally. Users are required to register with DreamLadder in order to avail the services and have to provide information and data which are classified as �Sensitive Personal Information� under Regulation 3 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (�SPDI Rules�).
10. Generally, we collect two kinds of information from our registered users and visitors:
a) We collect technical data about your internet protocol address, the unique identifier of your device, your interaction with our website, such as pages visited and average time spent on the website, device information such as operating system, operating system version, browser plugins, crashes, system activity, hardware settings, date and time of your request and referral URL, and cookies that may uniquely identify your browser and mobile application.
b) The second set of information is provided by the registered users through optional, voluntary submissions such as name, contact detail, gender, email address, DoB, PAN details, bank account details, income, image of your signature etc. in accordance with the KYC norms and other regulatory requirements.
Use of personal information:
11. We use your personal information to analyze how you use our website, perform compliance checks, internal record keeping and to improve our products and services.
12. Your email address is used to send you updates regarding the services. You will be free to unsubscribe your email address at any time, if you do not wish to receive such emails from us.
13. We will not sell, distribute, trade, lease or rent the Personal Information of our users to anyone, for any reason(s). However, we may provide aggregate statistics about our customers, sales, traffic patterns, and related Website information to reputable third-party vendors, but these statistics will, in no way, include any personally identifying information of our users.
14. We may use third party vendors or service providers for providing services to you. However, such third parties are required to maintain the confidentiality of the information we provide to them under contract.
15. We may share your Personal Information, without obtaining prior consent, with government agencies mandated under law to obtain information including sensitive personal data or Personal Information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences.
16. Your virtual signature (image of signature on a plain white paper) will be used only for the limited purpose of completing the enrollment process and it will not be used for any transactions other than filling forms for enrollment. This signature provided by the user will not be shared with any third parties.
17. We need physical evidence of your personal details like PAN, cancelled cheque leaf etc. to satisfy regulatory requirements, while your bank details are required to honor your investment instructions.
18. DreamLadder shall not be responsible, in the event, any discrepancy is found, in any of the information provided by the user, such as, mismatch of the information provided, shall lead to the rejection for opening of the account.
19. DreamLadder provides only internet banking facility for transaction on our website through a third party net banking service provider registered with the RBI. We shall not collect your credit card number, CVV number or expiry date, for any transactions on our website.
20. We may also ask for additional personal information from time to time to meet new regulatory requirements or to provide you with other benefits of our services. However, the information that we seek will only be used for the purpose stated.
21. You agree that, all intellectual property including but not limited to copyright, trademark, any personal information, content, photographs, images, experience sharing, feedback, opinions that is voluntarily shared by you with us or uploaded on the website are non-infringing of any rights of third parties in whatsoever manner and you give us unrestricted, perpetual right of use of your such intellectual property for any purpose whatsoever.
Image usage:
22. We collect signature, selfie, profile pic for display in image form. This is upto user to upload, as some of these are directly used in KYC (Know Your Customer) as per law of land. Thus these become legal obligations to complete onboarding.
23. We gather a signature, a selfie, and a profile picture for display as images. It's the user's responsibility to upload these, as some are required directly for KYC (Know Your Customer) compliance, mandated by the law of the land. Therefore, completing these uploads is a legal requirement for onboarding.
Security of your information:
24. We take every effort to ensure that your information is secured. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. We offer the use of a secure server (SSL) which encrypts all information you input before it is sent to us. Furthermore, all of the customer data we collect is protected against unauthorized access.
25. However, we also need to make you aware that although we provide appropriate firewalls and protections, our systems can�t be 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. Data pilferage due to unauthorized hacking, virus attacks, technical issues is possible and our company takes no liabilities or responsibilities for it.
26. If you think that the security of your investment account has been compromised, change your password and contact us immediately for further assistance at support@dreamladdercapital.com.
Links to third-party websites:
27. Our website may provide links to other websites of interest, without any accuracy, completeness, or usefulness of any content, warranty, merchantability, endorsement, suitability, any assurance of quality, authenticity, and appropriateness to view such websites and responsibility, liability, obligations on part of the website. This Privacy Policy does not apply when you access to such sites or links.
28. However, once you have used these links to leave our site, you should note that we do not have any control over such third-party websites. They may use technology to send the advertisements that appear on the website directly to user. This Privacy Policy does not cover the use of cookies by any third parties, and we will not be held responsible for the protection and privacy of any information which user provides whilst visiting such websites of interest. You should exercise caution and look at the privacy statement applicable to the website in question.
29. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, or any other users are those of the respective author(s) or distributors and not of DreamLadder.
Agreement:
30. This �Privacy Policy� along with the �Terms and Conditions� and any other relevant policies or disclosures contains the entire understanding and agreement between �User� and �Us� and supersedes any and all prior understandings relating to the website. This Policy cannot be changed or terminated orally. If any provision of this Privacy Policy is held to be illegal, invalid or unenforceable, this will not affect any other provisions and the Privacy Policy will be deemed amended to the extent necessary. Any provision which must survive in order to allow us to enforce its meaning, shall survive the termination of this Privacy Policy. This �Privacy Policy� should be at all times read along with the �Terms and Conditions� and any other policies of the website.
Legal obligation:
31. DreamLadder Capital Private Ltd is bound by the Information Technology Act, 2000, and complies with all its provisions. In accordance with the Section 43A of Information Technology Act, 2000, we are obliged to maintain reasonable security procedures to safeguard your data.
32. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 and Rule 4 of the SPDI Rules which require publishing the rules and regulations, privacy policy and terms of use for access or usage of the website.
33. In accordance with Regulation 4 of the SPDI Rules, DreamLadder is obliged to provide every registered user of the website with a readable copy of the information that it keeps about you. If the user would like to have a copy of the same, user can reach out to us at support@dreamladdercapital.com. As an added security measure, we may require additional proof of identity prior to such disclosure.
Changes in this Privacy Policy:
34. This Privacy Policy is published on the website in compliance with Regulation 4 of the (Indian) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011.
35. Our policy about obtaining and disclosing information may change from time to time. We will notify you of any material change to this Privacy Policy. All communications will be sent to the email id that you have provided us. It is your responsibility to update or change that address, as appropriate. If you haven�t provided us with your email address, those legal notices will still govern your use of the website, and you are still responsible for reading and understanding them.
36. If you do not agree with the terms of this �Privacy Policy� or any change made to this policy, please stop using all services immediately and reach out to us at support@dreamladdercapital.com
Contact us:
For questions related to updating or changing your account information or any other information provided by you and for your valuable feedback regarding this Privacy Policy, please send e-mail to support@dreamladdercapital.com