Privacy Policy

Avenues Payments India Pvt. Ltd. ("APIL"), which operates the web sites accessible from the URL (www.remitguru.com) and (www.remitonline.info) ('Websites'), takes your Privacy very seriously. This Privacy Policy is effective as of 2012-11-01.

We are committed to protecting our customers' privacy and security. This Privacy Statement explains what personal information we collect about you, with whom we share it, and how you [The user of the Service] can direct us not to share certain information with certain parties. "Personal Information" refers to information such as name and email that can be used to identify an individual. You should read this Privacy Policy in its entirety. Certain sections may apply differently to residents of different jurisdictions.

We may amend this policy at any time, and shall notify you by posting a revised version on our website. Should we make a material change to the manner in which we collect, use or store your personal information, we shall provide prior notice on our Site, or by email.

INFORMATION WE COLLECT

We may collect the following information about you, which may include non-public personal information:

• Information that you provide us in the course of using the Service, such as your name, address, e-mail address, and telephone number. We may also collect certain sensitive information from you including your bank account number, date of birth and social security number.
• Information that you provide us in the course of your participating in various partner promotional programs.
• To facilitate our Service, we request certain third party personal information from you such as your recipient's full name, physical address, email address, and phone number. We may also collect from you the recipient's sensitive financial information including their bank account and routing number.
• Information about your usage of the Service, including your transaction history, and how and to whom you use the Service to send or receive money.
• Information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies.
• Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing the Service, your IP address, the pages you access on this website, and other websites that you visit prior to accessing the Service.

HOW WE COLLECT INFORMATION

Here is how and why we use some common Web technologies to help manage our Web sites:

Cookies

• In order to provide better service, we will occasionally use a "cookie." A cookie is a small data file that we may place on your computer to identify you when you return to the website. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of the Service. The information we store in the cookie is not PII but a number that we generate and could not be used to lookup a user's PII without the proprietary Avenues system. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes.For example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means.
• If you are a Registered User on the Web site, you will receive an additional cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our Web site that are limited to Registered Users, such as those that allow you to view and manage your portfolio or accounts.

You do not have to accept cookies from our site. Only the areas that require registration require cookies. Should you decide that you would like to register and login to special areas of the Web site and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send it. Otherwise, we will not be able to let you participate in certain areas of the Web sites. Most browsers are defaulted to accept and maintain cookies.

Advertising networks that serve ads on this Web site may assign different cookies to you. Those cookies may be used to track your involvement with the advertising on our site. You may choose not to accept these cookies.

WebSite Usage Data

• With or without cookies, our Web site keeps track of usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. We use this data to better understand Web site usage in the aggregate so that we know what areas of our Web site users prefer. This information is stored in log files and is used for aggregated and statistical reporting.

Co-branded and Third-Party Sites.

• With or without cookies, our Web site keeps track of usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. We use this data to better understand Web site usage in the aggregate so that we know what areas of our Web site users prefer. This information is stored in log files and is used for aggregated and statistical reporting.

If we make changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to this privacy statement as and when they come into effect.

In some cases we may be required to disclose certain information to comply with a legal process, such as a court order, subpoena or search warrant.

WHY WE COLLECT INFORMATION:

We collect information for the following purposes:

• To process your transactions
• To verify your identity
• To collect payment for your use of the Service
• To allow our partners to fulfill their promotional obligations to you
• To troubleshoot problems with the Service
• To comply with applicable laws and regulations, such as those relating to "know-your-customer", and anti-money laundering requirements.
• To detect and prevent fraud and other illegal uses of the Service
• To send you marketing notices, service updates, and promotional offers We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact (). We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

HOW WE SHARE INFORMATION WITH OTHERS:

We do not sell or rent the information we collect to third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share information about you (including nonpublic, personal information) with:

• Third-party service providers under contract with Avenues that help us with our business operations, such as transaction processing, fraud prevention, and marketing.
• Third-parties that we partner with to offer additional products and services, such as long-distance telephone minutes, gift cards or loyalty points, but only when you elect to participate, and/or to receive information about those additional products and services.
• In the event of the sale, acquisition or merger of some or all of our assets, your personal information might be a part of the transferred assets.We shall notify you in the event of such an occurrence, as well as any choices you may have regarding your personal information, by placing a notice on our website.
• Law enforcement, government officials or other third parties, but only
• in connection with a formal request, subpoena, court order, or similar legal procedure
• when we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement.

ACCESS TO YOUR INFORMATION

You can access, modify or update your personal information submitted on our Site by logging into your account and changing your preferences.

SECURITY

We employ industry accepted standards in protecting the information you submit to us on our Site. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted on our Site. We also require a username and password from each user who wants to access their information on our Site. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security

CHOICES YOU CAN MAKE ABOUT OUR USE OF YOUR INFORMATION

Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:

• If, after giving us your permission to share your personal information with third parties with whom we market our jointly offered products, you later decide that you no longer want us to share such information, you may contact us by email at () or by mail at Avenues Payments India Pvt. Ltd., Sai Bazaar, Level One, Station Road, Opp. Santa Cruz Station, Santa Cruz (West), Mumbai 400054. India.
• You may also opt-out from promotional emails to you by accessing your E-mail Preferences & selecting the "Unsubscribe" function present in each email we send out.

COMPLAINTS

• If you have a complaint, first contact by email at () or by mail at Avenues Payments India Pvt. Ltd., Sai Bazaar, Level One, Station Road, Opp. Santa Cruz Station, Santa Cruz (West), Mumbai 400054. India.

THIRD PARTY SITES

The Site contains links to other web sites. APIL is not responsible for the privacy practices or the content of these other web sites. We encourage you to familiarize yourself with the privacy practices of these other sites prior to submitting your personal information to them.

CONTACT

• You can contact us with any questions or concerns by email at () or by mail at Avenues Payments India Pvt. Ltd., Sai Bazaar, Level One, Station Road, Opp. Santa Cruz Station, Santa Cruz (West), Mumbai 400054. India.