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Privacy Policy

In the course of using this website or availing the products and services vide the online application forms and questionnaires, Happy Future and its Affiliates may become privy to the personal information of its customers, including information that is of a confidential nature.

Happy Future is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Commitment or in terms of the agreements, if any, with the Customers.

Happy Future endeavours to safeguard and ensure the security of the information provided by the Customer. Happy Future uses 128-bit encryption, for the transmission of the information, which is currently the permitted level of encryption in India. When the information provided by the Customers is not transmitted through this encryption, the Customers' system (if configured accordingly) will display an appropriate message ensuring the best level of secrecy for the Customer's information.

The Customer would be required to cooperate with Happy Future in order to ensure the security of the information, and it is recommended that the Customers necessarily choose their passwords carefully such that no unauthorised access is made by a third party. To make the password complex and difficult for others to guess, the Customers should use combination of alphabets, numbers and special characters (like !, @, #, $ etc.). The Customers should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.

Happy Future undertakes not to disclose the information provided by the Customers to any person, unless such action is necessary to:

Conform to legal requirements or comply with legal process;
Protect and defend Happy Future 's or its Affiliates' rights, interests or property;
Enforce the terms and conditions of the products or services; or
Act to protect the interests of Happy Future , its Affiliates, or its members, constituents or of other persons.

The Customers shall not disclose to any other person, in any manner whatsoever, any information relating to Happy Future or its Affiliates of a confidential nature obtained in the course of availing the services through the website. Failure to comply with this obligation shall be deemed a serious breach of the terms herein and shall entitle Happy Future or its Affiliates to terminate the services, without prejudice to any damages, to which the customer may be entitled otherwise.

Happy Future will limit the collection and use of customer information only on a need-to-know basis to deliver better service to the customers. Happy Future may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the customer information to one or more agents and contractors of Happy Future and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from Happy Future only for these purposes.

The Customer authorises Happy Future to exchange, share, part with all information related to the details and transaction history of the Customers to its Affiliates / banks / 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 shall not hold Happy Future liable for use or disclosure of this information.

Legal Disclaimer

Happy Future Limited maintains this site (the "Site") for your personal information, education and communication. Please feel free to browse the Site. You may download material displayed on the Site for noncommercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, transmit, reuse, report, or use the contents of the Site for public or commercial purposes, including the text, images, audio, and video without HAPPY FUTURE 's written permission. Your access and use of the Site is also subject to the following terms and conditions ("Terms and Conditions") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions and acknowledge that any other agreement between you and HAPPY FUTURE are superseded and of no force or effect.


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