This privacy policy (“Policy”) relates to the manner Microsmartloan (“we”, “us”, “our”) in which we use, handle and process the data that you provide us in connection with using the products or services we offer. By using this website or by availing goods or services offered by us, you agree to the terms and conditions of this Policy, and consent to our use, storage, disclosure, and transfer of your information or data in the manner described in this Policy.
We are committed to ensuring that your privacy is protected in accordance with applicable laws and regulations. We urge you to acquaint yourself with this Policy to familiarize yourself with the manner in which your data is being handled by us.
Microsmartloan may change this Policy periodically and we urge you to check this page for the latest version of the Policy in order to keep yourself updated.
We may collect the following information from you:
Name
Contact information including address and email address
Demographic information or, preferences or interests
Personal Data or Other information relevant/ required for providing the goods or services to you
The meaning of Personal Data will be as defined under relevant Indian laws
Note: Not with standing anything under this Policy as required under applicable Indian laws, we will not be storing any credit card, debit card or any other similar card data of yours. Please also note that all data or information collected from you will be strictly in accordance with applicable laws and guidelines.
We require this data to provide you with the goods or services offered by us including but not limited, for the below set out purposes:
Internal record keeping.
For improving our products or services.
For providing updates to you regarding our products or services including any special offers.
To communicate information to you
For internal training and quality assurance purposes
We may share your information or data with:
Third parties including our service providers in order to facilitate the provisions of goods or services to you, carry out your requests, respond to your queries, fulfil your orders or for other operational and business reasons.
With our group companies (to the extent relevant)
Our auditors or advisors to the extent required by them for performing their services
Governmental bodies, regulatory authorities, law enforcement authorities pursuant to our legal obligations or compliance requirements.
We use "cookies" to collect information and to better understand customer behaviour. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to avail our goods or services to the full extent. We do not control the use of cookies by third parties. The third party service providers have their own privacy policies addressing how they use such information.
Right to Review - You can review the data provided by you and can request us to correct or amend such data (to the extent feasible, as determined by us). That said, we will not be responsible for the authenticity of the data or information provided by you.
Withdrawal of your Consent - You can choose not to provide your data, at any time while availing our goods or services or otherwise withdraw your consent provided to us earlier, in writing to our email ID: microsmartloan@gmail.com In the event you choose to not provide or later withdraw your consent, we may not be able to provide you our services or goods.Please note that these rights are subject to our compliance with applicable laws.
We may retain your information or data (i) for as long as we are providing goods and services to you; and (ii) as permitted under applicable law, we may also retain your data or information even after you terminate the business relationship with us. However, we will process such information or data in accordance with applicable laws and this Policy.
We will use commercially reasonable and legally required precautions to preserve the integrity and security of your information and data.
For any queries, questions or grievances about this Policy, please contact us using the contact information provided on this website.
If the tour or any part thereof cannot be conducted due to Force Majeure or Vis Majeure, the Company shall not be responsible to give any refund to you.
If the tour or any part thereof cannot be conducted due to Force Majeure or Vis Majeure, the Company shall not be responsible to give any refund to you. However, at its sole discretion, the Company gives the refund based on various factors like the number of participants, the cancellation policies of suppliers like hoteliers, coach operators, etc. the decision of the Company on the quantum of refund shall be final.
It would take at least minimum of 15 to 45 days to process the refund (if due).
It is clearly understood that there shall be no refund whatsoever if the Client does not or cannot utilize any of the services like hotels, sightseeing, rides, cruises, meals, entrance fees, optional tours etc., due to any reason whatsoever.
Refunds (If any) for amendments and/or cancellations will be paid directly to the Client for booking made directly with the Company by way of NEFT / RTGS / Crossed cheque or by credit card it will be reversed to their credit card account at the discretion of the company. It would at least take 45 days to process refunds.
There is no refund payable for any unutilized services (e.g. meals, entrance fees, optional tours, hotels, transport and sightseeing etc.) for any reason whatsoever.
Any service booked in advance and cancelled as per booking policy, refund will be done in the same mode of payment after deducting cancellation charges and actual bank charges if any for refund. To customer bank account if paid by bank transfer, net banking mode / credit /debit card - reversal to their respective credit card account will be done. This process will take 15 to 45 days to reflect in their account.
Clients have option to keep their refund money in our account and collect credit certificate and utilise the same with 24 months.
Clients have option to keep their refund money in our account and collect credit certificate and utilise the same with 24 months.
The client will have to strictly follow the Tour Program. There shall be no refund, if the client fails to join the group at the commencement of the tour, or joins the group later or leaves the group before tour ending. It shall be noted that for all purposes, it shall be the responsibility of the client to reach the place of commencement of the tour and register with the representative of the company at the appointed place, date and time.
In case where a client along with his family is compelled to discontinue the tour due to any reason whatsoever including illness, death or loss of any hotel documents, no claim shall be entertained for refund of unutilized services. Even if a client is unable to reach the place of commencement of the tour due to any reason whatsoever including loss of baggage or loss of hotel documents, his booking shall be treated as "no show" on the tour and 100% cancellation charges will be levied.
If a client avails pre - tour services or part thereof, or the air tickets (if booked under any offer) but fails to join the group for the main tour at the appointed place, or cancels the tour after using the air tickets or pre - tour arrangements or part thereof, it shall be treated as "no show" and there will be no refund whatsoever for the unutilized pre-tour or main tour services.
The company reserves the right to withdraw tour membership of any client whose behaviour is deemed likely to affect the smooth operation of the tour or adversely affect the enjoyment or safety of other passengers and the Company shall be under no liability to any such person.
The immunities provided under this contract shall be available to THE COMPANY's employees, directors, managers, including, Employees and Agents but not to the Independent Contractors selected by the company.
Each of these conditions shall be severable from the other and if any provision be invalid, illegal or unenforceable, the remaining provisions shall nevertheless have full force and effect. No liability on the part of THE COMPANY arising in any way out of the Contract in respect of any tour, holiday, excursion facilities shall exceed the total amount paid or agreed to be paid for the tour holiday, and shall in no case include any consequential, incidental loss or additional expense whatsoever.
It is a condition of Booking that the client takes out a Holiday Insurance – Client may procure hotel insurance (optional) at their own cost.
The prices quoted in our website / brochure have been calculated at the rate prevailing at the time of publishing / printing. THE COMPANY reserves the right to amend the prices published in this brochure in case of fuel costs, special/high season charge levied by the suppliers, hike in the airline/rail charges before the date of departure and to surcharge accordingly. The Client must pay for all such increases in price in full before the departure.
If no suit/action is brought against THE COMPANY within 7 days of the last day of the tour, THE COMPANY shall be discharged from all liabilities under/or arising out of this contract and the client shall be deemed to have relinquished/abandoned all his rights under or arising from this contract.
In case of publication of any hotel scheme offering any discount or benefit by THE COMPANY, we shall have the sole right to withdraw such a scheme or discount at any time unless a specific assurance of the contrary is published.
For any issues in utilizing our services you may contact our helpdesk on +91 8290013391 or microsmartloan@gmail.com.