PLEASE READ, UNDERSTAND, AND AGREE TO THIS PRIVACY POLICY BEFORE REGISTERING FOR, ACCESSING, OR USING THE BEHTARI WEBSITE AND/OR MOBILE APPLICATION
Behtari Capital’s commitment to privacy and protection of your Personal Data
Behtari Capital (Private) Limited (hereinafter "Behtari Capital", "us", "our", or "we") provides this Behari (https://behtari.com) website (“Site”)/mobile application (“App”) to You under the following Data Protection and Privacy Policy (the "Privacy Policy").
Our Terms of Use (as posted on our Site/App) (the “Terms of Use”), which the terms and conditions of the use of the Site/App by its users ("Users" or “You”), are hereby incorporated by reference in this Privacy Policy. By using our Site/App (the "Site/App") or submitting any information to us, You consent to and agree to be bound by this Privacy Policy and Terms of Use. By using the Site/App in any manner, including but not limited to visiting, browsing, registering with, or using the Site/App, You agree to be bound by this Privacy Policy, the Terms of Use and all other operating rules, policies, and procedures that may be published by Behtari Capital from time to time on the Site/App, each of which is incorporated by reference and each of which may be updated by us from time to time without notice to You. Your use of the Site/App is governed by the version of this Privacy Policy in effect on the date of use.
Behtari Capital understands and respects the privacy of all information that You entrust it with. In light of this, Behtari Capital is committed to protecting your Personal Data and wishes to keep You informed of the nature of the information that Behtari Capital collects from You and where it uses the same. If You do not provide all the Personal Data required by the Site/App, You may not be able to use the Site/App or the services, services, facilities, and/or or products, which are available on or through the Site/App (“Services”), as some of the information may be necessary for providing the Services to You.
What Is Personal Data
Personal data means any information that, when used alone or combined with other information, may be used to identify an individual. This includes, but is not limited to, an individual’s first and last name, e-mail address, mailing and/or residential addresses, telephone number, title, birth date, gender, occupation, contact information, other personal information, bank account information (including your bank account title, bank account, number, bank name and branch, IBAN/Swift numbers, and any other financial information that may be required in order for us to provide a service You request, or may have requested, on the Site/App (the “Personal Data”).
How necessary it is for You to disclose your Personal Data
The information that may be required to register You as a user of the Site/App will be accessible to Behtari Capital, except for the portions that You specifically indicate shall not be accessible. Even then, it will be necessary for You to share certain information to enable You to register for the Site/App and remain a user thereof. There are two types of information that You provide: (i) information that is optional for You to share ("Optional Information"), and (ii) information that is necessary for You to share to be able to access and use the Site/App ("Mandatory Information"). You may choose not to disclose Optional Information, and while You have a choice in doing so, disclosing Optional Information may optimize your experience of using the Site/App. On the other hand, You will be required to disclose Mandatory Information. If You are not comfortable with disclosing Mandatory Information, You should not register for the Site/App or exit use immediately, as without disclosing the Mandatory Information, You will not be able to use the basic functions of the Site/App. You may, at any time, choose to amend or delete your Personal Data from the Site/App without prior permission from Behtari Capital.
How Behtari Capital collects your Personal Data
Behtari Capital uses the Personal Data to customize your experience on the Site/App. We also may use your Personal Data for other business purposes, such as alerting You to products and services that can assist You in your businessmaking informed investment decision, promoting site registration, order processing and online customer service. By providing your Personal Data to Behtari Capital, You hereby expressly authorized it to use the Personal Data in the manner provided in this Privacy Policy and matters connected thereto.
When You visit the Site/App, You will need to be registered and create a username and password in order to log in and use the Services provided on or through the Site/App. The use of the Site/App, and the downloadable information on the the Site/App, is governed by Terms of Use between You and Behtari Capital. Unless You request your Personal Data to be deleted, it may be retained by Behtari Capital, pursuant to applicable laws, to: (i) verify compliance with the Terms of Use, (ii) track software and documents You download; or (iii) track page visits and usage of other applications features available on the Mobile Application.
We also may receive your Personal Data from our business partners and suppliers. We intend to use such Personal Data only if it has been collected in accordance with acceptable privacy practices consistent with this Privacy Policy as well as applicable laws.
There are areas of the Site/App that require us to collect Personal Data to complete the customization functions for which they are designed. You are always welcome to visit the public portion of the Mobile Application without disclosing any Personal Data.
How Behtari Capital uses your Personal Data
When we collect your Personal Data from You, we will inform You at the time as to the reason we are requesting such Personal Data. Behtari Capital uses your Personal Data in any or all of the following ways:
to register You as a user of the Site/App;
to register You / open your account at an asset management company selected by you
to enable it to provide You the Services as a user of the the Site/App;
to obtain your feedback on Behtari Capital;
to provide You with informative communication, updates and news;
to filter the content that You access for relevance;
for statistical and research purposes, including market research;
to respond to your requests for products, documentation and/or Services;
to process your order or invoiceinvestments;
to conduct a commercial transaction;
to correspond with You;
to enable your subscription or event registration;
to sending direct marketing information; and/or
to personalize the content You review and to better understand how You use the Site/App in order to improve the Services Behtari Capital provides as well as the the Site/App information.
Upon your acceptance of the Terms of Use, of which this Behtari Capital Privacy Policy is a part, such an acceptance will include your permission to us to collect and use your Personal Data. However, You have the right to request Behtari Capital not to contact You for the purposes of sending You newsletters, customer surveys, direct marketing materials and/or market research information. You can exercise this right by clicking on the appropriate option or checkbox at the point where the Personal Data is collected or by editing your Personal Data we have collected.
In specific cases, Behtari Capital may request your direct consent to use your Personal Data by providing an “opt-in” and/or “opt-out” checkbox in information fields before your Personal Data can be used for any additional purposes to that for which your consent has been or is given.
Disclosure of your Personal Data to Third Parties by Behtari Capital
If You elect to provide us with Personal Data, we may transfer that Personal Data within the Behtari Capital entities or to Behtari Capital affiliated third parties or business partners. Your Personal Data may be transferred within your country and/or across borders from your country of residence or jurisdiction to Behtari Capital entities, affiliated third parties and/or business partners in other countries around the world so that such Behtari Capital entities, affiliated third parties and/or business partners may provide services and other operations required to transact business with You. Such Personal Data may include, but is not limited to, account information, credit card information and ordering/invoicing information.
In addition, subject to your consent, Behtari Capital may share your Personal Data (with the exception of bank account, credit card, and ordering information) with other Behtari Capital business partners who may desire to alert You to new products and services to improve your competitive edge, and only in cases where we believe your business interests will be served. If You do not want to receive marketing materials from any of our business partners, please do not provide contact information via the Internet, or let them know directly that You wish to be removed from their contact list.
Behtari Capital works with certain entities that deliver Behtari Capital advertising material and undertake surveys on behalf of Behtari Capital. These entities may collect information to help Behtari Capital determine which products, Services and offerings are of most interest to Behtari Capital's current and future customers. Unless You have given your explicit consent, the information collected is not identifiable at an individual level. However, it may be identifiable at a company level, with or without your consent, or aggregated at an anonymous level to provide us with general statistics and trends. If You have given your explicit consent for your Personal Data to be identifiable at an individual level, and You have any questions and concerns regarding the same, including queries regarding the companies receiving the Personal Data, You may send your questions at the Site/App or e-mail us at the e-mail address provided below and we would be happy to deliver relevant information.
In the event that Behtari Capital sells a part or parts of its business, the Personal Data that we have collected could be transferred to the acquiring company unless You instruct Behtari Capital not to do so in writing. We will publish a notice on the Site/App prior to such transfer.
Behtari Capital's policy towards your privacy and data protection
Except where your information is meant for access by other users of Behtari Capital, Behtari Capital will not disclose your Personal Data to any third party except in the course of performance of its Services. Furthermore, Behtari Capital shall use its best efforts to ensure that your data is protected from unauthorized use.
Behtari Capital maintains reasonable infrastructure, techniques and methods for protecting the secrecy of your Personal Data, and for backing up your data in order to secure it against loss. However, it is your responsibility to ensure that You keep your User ID and Password for Behtari Capital secret and confidential at all times to prevent any third party from misusing your account. In the event of your User ID or Password coming into knowledge of any other person, You shall indemnify Behtari Capital, its directors, employees, partners, associates and clients, including Behtari Capital users, for any costs, claims, consequences and losses arising out of the misuse of your account.
Exceptions
Notwithstanding Behtari Capital's commitments to protect your privacy, Behtari Capital may divulge your Personal Data for any of the following reasons:
defence and national or public security;
the prevention, investigation, detection or prosecution of criminal offences or the execution of criminal penalties, including the safeguarding against and the prevention of threats to public security;
other important objectives of general public interest of Pakistan, including monetary, budgetary and taxation a matters, public health and social security;
the protection of judicial independence and judicial proceedings;
the prevention, investigation, detection and prosecution of breaches of ethics for regulated professions;
the protection of the data subject or the rights and freedoms of others;
the enforcement of civil law claims;
to comply with a court or administrative order, direction or subpoena;
to comply with any provision of the law;
to enable its personnel, staff, employees or partners to provide You with the Services and improve your user experience of the Site/App;
in cases, where despite reasonable efforts by Behtari Capital to protect your Personal Data, the Personal Data can no longer be kept confidential;
where Behtari Capital obtains or is able to obtain the Personal Data from a source independent from yourself; and
where the Personal Data becomes part of the public domain.
PRIVACY PRINCIPLES
The privacy principles in this Privacy Policy (the "Principles") are based, as far as possible, on the U.S. Commerce Department’s Safe Harbor Principles and the European Union General Data Protection Regulation. As far as possible, Behtari Capital is committed to handling Personal Data in accordance with the Safe Harbor Principles regarding collection, use and retention of Personal Data and notice, choice, onward transfer, security, data integrity, access, and enforcement.
NOTICE: Behtari Capital shall inform You about the purpose(s) for which it collects and uses your Personal Data, how to contact Behtari Capital with any inquiries or complaints, the types of third parties to which it discloses the information, and the choices and means, if any, Behtari Capital offers You for limiting its use and disclosure in clear and conspicuous language when You are first asked to provide Personal Data to Behtari Capital or as soon thereafter as is practicable, but in any event before Behtari Capital uses such information for a purpose other than that for which it was originally collected or processed by Behtari Capital or discloses it for the first time to a third party.
CHOICE: Behtari Capital shall offer You the opportunity to choose (opt out) whether your Personal Data is (a) to be disclosed to a third party or (b) to be used for a purpose that is incompatible with the purpose(s) for which it was originally collected or subsequently authorized by You. You shall be provided with clear and conspicuous, readily available, and affordable mechanisms to exercise choice. For sensitive information, You will be given affirmative or explicit (opt in) choice if the information is to be disclosed to a third party or used for a purpose other than those for which it was originally collected or subsequently authorized by You through the exercise of opt in choice. Behtari Capital shall treat as sensitive any information received from a third party where the third party treats and identifies it as sensitive. Behtari Capital will provide You with reasonable mechanisms to exercise your choices.
SECURITY: Behtari Capital, while maintaining, using or disseminating Personal Data, shall take reasonable precautions to protect it from loss, misuse and unauthorized access, disclosure, alteration and destruction.
DATA INTEGRITY: Behtari Capital shall collect and use Personal Data only in ways relevant for the purpose(s) for which it was collected or subsequently authorized to be used by You. Behtari Capital shall not process Personal Data in a way that is incompatible with the purposes for which it has been collected or subsequently authorized by You. To the extent necessary for those purposes, Behtari Capital shall take reasonable steps to ensure that data is reliable for its intended use, accurate, complete, and current. However, it is your responsibility to ensure that your Personal Data is accurate, complete and current and Behtari Capital will not be liable for any mistakes made by You in providing your Personal Data.
ACCESS: You will have access to your Personal Data that Behtari Capital holds and You will be able to correct, amend, or delete that information where it is inaccurate, except where the burden or expense of providing access would be disproportionate to the risks to your privacy in the case in question, or where the rights of third parties would be violated.
Behtari Capital will conduct compliance audits of its relevant privacy practices to verify adherence to this Privacy Policy. Any employee that Behtari Capital determines is in violation of this Privacy Policy will be subject to disciplinary action, which may include termination of employment.
Children’s Privacy
The Site/App does not target, and is not intended to attract, users under the age of eighteen (18) years. Behtari Capital does not knowingly collect Personal Data from users under the age of eighteen (18) years or send requests to users under the age of eighteen (18) years for Personal Data.
Collecting Your Domain Information
Behtari Capital also collects domain information as a part of our analysis of the use of the Site/App. This data enables us to become more familiar with the individuals who visit the Site/App, how often they visit, and what parts of the Site/App they visit most often. Behtari Capital uses this information to improve our web-based offerings. This information is collected automatically and requires no action on your part.
Collecting Your Information through Cookies
Some pages on the Site/App use “cookies,” which are small files that are placed on your hard drive by the Site/App for identification purposes. These files are used for site registration and customization for the next time You visit us. It identifies You to the Site/App when You revisit to load your preferences and track the pages You visit. If your browser is set up to automatically accept cookies, your browser will add this text in a small file to your hard drive. Most web browsers allow You to modify the way cookies are handled. You can refuse cookies or choose to be warned when receiving a cookie in order to be given a choice to accept or reject a cookie. By not accepting cookies, You may have to manually input user IDs and passwords to access certain information on this Site/App.
Securing your Personal Data
Behtari Capital has put in place appropriate physical, electronic and managerial procedures to (i) prevent unauthorized access to your Personal Data, (ii) maintain Personal Data accuracy, (iii) ensure correct use of Personal Data, and (iv) safeguard and secure your Personal Data that it collects online.
However, please take note of the following to ensure the security of your Personal Data and other confidential information You may provide online:
Behtari Capital advises You to protect yourself against unauthorized access to your computer and disclosure of your Behtari Capital password.
If You believe that your password has been compromised, You should immediately change your password.
If You believe there has been a security breach at Behtari Capital involving your Personal Data, please contact Behtari Capital immediate at the address provided below.
Compliance with Laws
Behtari Capital strives to comply with all applicable and known laws around the world that are designed to protect your right to privacy and prevent misuse of your Personal Data. Although legal requirements may vary from country to country, we intend to adhere to the principles set forth in this Privacy Policy even if we transfer your Personal Data from your country of residence to countries that may not provide the same privacy rights or require the same level of protection for your Personal Data. Our commitment is to protect your Personal Data no matter where it is collected, transported, processed or retained.
No Liability
Notwithstanding anything to the contrary contained in this Privacy Policy, neither we, nor our owners, partners, shareholders, directors, management, executives, employees, or other representatives, nor any of our holdings, affiliates, subsidiaries, or associated businesses, shall be liable or responsible for any direct, indirect, special, incidental, punitive and/or consequential damages or losses arising from the leakage or theft of your Personal Data or the misuse of your Account.
Contacting Us
We value your opinions and feedback. Please email us any questions or comments about our Privacy Policy, or if You have any concerns or complaints regarding our processing of your Personal Data, or write to us at:
Behtari Capital (Private) Limited
Suite# 611,
Al-Hafeez Business Center,
89-B/III, Gulberg III, Lahore, Pakistan
E-mail: [email protected]
Right to Amend
Behtari Capital reserves the right to make changes to this Privacy Policy from time to time without notice to You. We recommend that all visitors and users of this Site/App re-visit this Privacy Policy page, from time to time, to learn of any new privacy practices or changes to our Privacy Policy. Your continued use of the Site/App indicates your acknowledgement and/or acceptance of any changes to this Privacy Policy.
I have read and understood the entire Privacy Policy of this Site/App and its consequences and hereby accept every right, obligation, and condition set forth in it.
These Terms of Use were last updated on 6/11/2024.
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