This Data Protection and Privacy Policy relates solely to personal information supplied by you on this Web Site. It is necessary for you to supply Standard Chartered Bank (Standard Chartered) with personal information on this Web Site in connection with the provision of the services you have requested or are about to request at this Web Site. Failure to supply such information may result in Standard Chartered being unable to provide these services.

Standard Chartered respects the privacy of your personal information. The purposes for which any personal information provided by you to Standard Chartered through this Web Site may be used will vary depending on the nature of the relationship, which you as a data subject have with Standard Chartered. Broadly, they may comprise all or any one or more or of the following purposes (but shall not be restricted to):

1. the processing of applications for banking services and facilities;
2. the daily operation of the services and facilities provided to its customers;
3. conducting credit checks;
4. assisting other financial institutions to conduct credit checks and collect debts;
5. ensuring ongoing credit worthiness of data subjects;
6. designing financial services or related products for customers' use;
7. marketing financial services or related products;
8. determining the amount of indebtedness owed to or by data subjects;
9. the enforcement of data subjects' obligations, including without limitation the collection of amounts outstanding from data subjects and those providing security for data subjects' obligations;
10. meeting the requirements to make disclosure under the requirements of any law binding on Standard Chartered or its head office or any of its branches;
11. enabling an actual or potential assignee of Standard Chartered, or participant or sub-participant of Standard Chartered's rights in respect of the data subject, to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation; and
12. purposes relating to any of the above purposes.

This Policy will not alter or affect any information otherwise provided by you to Standard Chartered.

The details which you are requested to provide on this Web Site may be transferred within the Standard Chartered Group. This may include transfer to other parts of the Standard Chartered Group in different jurisdictions and by using this Web Site you consent to such transfer. In providing your email address, telephone and facsimile numbers you are agreeing that Standard Chartered may contact you by email, telephone or facsimile. Other than to those individuals and entities listed below, Standard Chartered will not reveal your details to any external body, unless Standard Chartered either has your permission, or is under a legal obligation or any other duty to do so. The information provided by you at this Web Site may be disclosed by Standard Chartered to the following parties for the purposes set out in the foregoing paragraphs:

• Regulators;
• Lawyers;
• Auditors;
• Any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or securities clearing or other services to Standard Chartered in connection with the operation of its business;
• Any other person under a duty of confidentiality to Standard Chartered including a Standard Chartered Group company which has undertaken to keep such information confidential;
• The drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;
• Credit reference agencies and, in the event of default, debt collection agencies;
• Any actual or proposed assignee of Standard Chartered or participant or sub-participant or transferee of Standard Chartered 's rights in respect of the data subject.
• Other companies in the same Group
• Standard Chartered’s business alliance partners.

Standard Chartered wishes to assure you that your personal information will be treated as confidential and with high standards of security. Standard Chartered pledges its intention fully to meet internationally recognised standards of personal data privacy protection and to comply with the requirements of applicable data protection / privacy laws. In doing so, we will ensure compliance by our staff with the strictest standards of security and confidentiality. In addition Standard Chartered Group has implemented a mandatory IT security policy, which is intended to achieve a level of security compliance similar to the relevant elements of British Standard 7799.

Despite taking all efforts and maintaining / exercising all care and caution, any information passed to any person though not due to a fault on the part of Standard Chartered, SCB will not be in any ways liable.

However, it is your responsibility at all times to maintain the secrecy of your user ID and login password.

Personal data provided by you are retained for as long as the purposes for which such data were collected continue. Data are then destroyed unless their retention is required to satisfy legal, regulatory or accounting requirements or to protect Standard Chartered 's interests. As a general rule the maximum retention period is 11 years.

In order to improve our Internet service to you, we will occasionally use a "cookie". A cookie is a small amount of data that our web server sends to your web browser when you visit certain parts of our site. We use cookies to assist our understanding of your interest in our Web Site and to store and maintain user preferences.

Standard Chartered reserves the right to amend its prevailing Data Protection and Privacy Policy at any time and will place any such amendments on this Web Site. This Data Protection and Privacy Policy is not intended to, nor does it, create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on Standard Chartered in respect of any other party or on behalf of any party. Nothing in this Notice shall limit the rights of data subjects under the Laws of India.

You have the right to ascertain Standard Chartered 's policies and practices in relation to personal data, to be informed of the kind of personal data held by Standard Chartered and to check whether Standard Chartered holds data about you. You also have the right to request correction of and, on payment of a fee, access to personal information about you held by us.

In relation to consumer credit you also have the right to request to be informed which items of data are routinely disclosed to credit reference agencies and, in the event of default, to debt collection agencies, and to be provided with further information to enable the making of an access or correction request to the relevant credit reference agency or debt collection agency.

If you wish to access or to ask for correction or deletion of any of your personal data held by us, or if you have any questions concerning our data protection and privacy policies and practices and kinds of personal data held, please contact the Standard Chartered Customer Care Officer at:

India