Privacy Policy

Thank you for visiting www.mstimes.co.in (the “Website”). This Privacy Policy outlines how we collect, use, and safeguard your personal information while you interact with our e-news portal, specifically focused on providing the latest financial market news. By using our Website, you consent to the practices described in this policy.

Information We Collect

We will only collect your personal information where it is necessary for us to provide you with a service at your request, such as when you contact us, register an account on our website, avail of subscription services, or access the content on the Platform. We have discussed the manners of our collection of information, herein in greater detail for your reference.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Information submitted to us:

You give us information about you whenever you use our services, such as by doing the following, some of the following categories of information are collected directly by us, and some are provided by you directly for the performance of certain functions:

• Accessing our Platforms by means of any web browser or device;
• Registration, subscribing for our Services on our Platforms;
• Enquiring about our products or services;
• Purchasing our subscription packages on the Platforms;
• Initiating and maintaining correspondence with us.

This information may include but not be limited to the following:

• Identification information such as user name, date of birth, gender, profile picture, qualification, location;
• Social media plugin details like – Facebook, Google, LinkedIn, Apple ID or any other– for the purpose of identification
• Contact information such as email address, mobile number;
• Payment information;
• Additional information relevant to your use of our Platforms and Services, such as one time password sent for registration, your marketing preferences, place of employment and designation, survey responses and feedback;
• Financial information – Investment details, compensation details, salary range, where the relevant Service of the Platform requires such indicators.

We take extra precautions to ensure that such sensitive personal data is kept secure and confidential, and we will only retain this data for as long as necessary for the purposes for which we collect it.

Information we collect automatically:

We collect information using cookies and other similar technologies to help distinguish you from other users of our Platforms, and streamline your online. When you visit our Platforms, we may collect the following information

• Your IP address/ device’s serial number or unique identification number and general location, including country, address and pin code;
• A device identifier (cookie or IP address or Device ID or Android Advertiser ID / iDFA ID), or any other identifier;
• Details of the hardware and software that you are using to access the Platforms such as your computer/device name, your operating system, browser type and version, application version, operator name, screen size, CPU speed, and connection speed;
• Any passwords that you use on our Platforms or any other authentication token used to login;
• URL and time stamps;
• Details of your visits to our Platforms and the resources that you access, including, but not limited to, traffic data, location data, web logs and other communication data.
• Your activity logs on the Platform – Which pages you access, view and which links you follow;

Information we collect about you from other sources.

We may collect information about you from other sources. This may include the following:

• Publicly available information.
• Information you have shared publicly, including on social media. We collect your e-mail ID and the relevant public profile information, which may include your name, profile picture, age, gender, and any other pertinent information from such social media account which is, necessary for verification of your identity.
• We also receive information from you when you interact with our pages, Apps, groups, accounts, or posts on social media platforms.
• This list is not exhaustive, and, in specific instances, we may need to collect additional data for the purposes set out in this policy.

Information we receive about you from other sources:

Sometimes you will have given your consent to other websites, services or third parties to provide information to us.

• It could include information from third parties that we work with to provide our products and services, such as delivery companies, technical support companies and advertising companies. Whenever we receive information about you from these third parties, we will only use it in such manner that is already communicated to you, as per this Policy, and for such defined purposes only. We may further collect additional analytics reports, information from other services, websites, who work together with us.
• When you chose any subscription or paid service, we or our payment gateway provider may collect and/or process your personal information such as address or billing information, including your credit/debit card number and expiration date etc. as per the terms of this Policy. Any financial information provided by you will be processed by such third parties who provide the functionalities for such Services to us, for effective processing. We encourage you to familiarize yourself with the privacy policies provided by such third parties prior to providing them with your information or entering into any transactions with them.
• Marketing and Analytics
• We may use Web Beacons to track your online usage patterns in an anonymous manner, without collection your personally identifiable information. We may also use web beacons in HTML emails that we send subscribers who have opted in to receive email from us, to determine whether our recipients have opened those emails and/or clicked on links in those emails. We use this information to inter-alia deliver our web pages to you upon request, to tailor our Platform to the interests of our users, to measure traffic within our Platform to improve the quality, functionality and interactivity of our Platform and let advertisers know the geographic locations from where our Users come without personally identifying the users.
• We place website beacons to collect data for our partners, we require our partners to inform users on their privacy policy page that the webpage uses website beacons. This option will only be recorded in your current browser and will not be recorded in your user history.

Purpose of Collection of Information.

• We collect information (including Personal Information) to provide the Services and for the purposes as outlined below including but not limited to:
  • to help us identify you when you log into the Platform and when you register an account with us, and, to map a specific profile with an authorized user;
  • to help facilitate in-app purchases and make subscribed and paid content available to you;
  • to enhance the quality of services that we provide and improve your experience during browsing;
  • to personalize your browsing experience on the Platform;
  • to recommend videos, content, news to users they might be interested in;
  • for providing location-based services;
  • for the performance of a contractual and legal obligation;
  • to communicate with you;
  • to provide you with news, special offers, general information, commercial communications about other products and services along with marketing information and surveys;
  • to provide and process service requests initiated by you.
  • Notification of any changes in the terms of use or privacy policy;
  • Resolution of any queries related to your use of Services.
  • Any other new services developed by us, our affiliates, subsidiaries and /or third party partners

Sharing of Information

1. We may share your information with our trusted partners or third parties who provide us with support services, for meeting the obligations agreed to between you and us.
2. We may use and/or disclose your information with the MS Times-controlled businesses, affiliates, subsidiaries and other entities within the Times group of companies, other third party business partners, service providers including but not limited to services provider, advertising networks, technology partner, social networks and any other third parties:
   1. To assist them to reach out to you in relation to their programs or campaigns (including marketing and sales) and to process your query / requests (such as job application) and/or provide with the services;
   2. To process payments on our behalf. Our payment provider will collect and process your payment details; we will not store or have access to your full credit or debit card details, except any transactional information for the purpose of reconciliation of transactions on our Platform.
   3. To send e-mails, instant messages, social media messages and SMS messages and/or manage contact management systems.
   4. Recommendations services, ad tech services, analytic services, including but not limited to click stream information, browser type, time and date, information about your interactions with advertisements and other content, including through the use of cookies, beacons, mobile ad identifiers, and similar technologies, in order to provide content, advertising, or functionality or to measure and analyze ad performance, on our Services or Platforms and on 3rd party platforms.
   5. Serve ads on our Platforms, affiliate websites, and any other digital platform available on the internet. However, the privacy policy of such digital platform shall be applicable upon the processing of information on such third party digital platform.
   6. To assist and to reach out to you in relation to various programs or campaigns (including marketing and sales) and/or to process your query / requests.
3. We may further be required to share your personal information in certain exceptional circumstances; this would be where we believe that the disclosure is:
   1. Required by the law, or in order to comply with judicial proceedings, court orders or legal or regulatory proceedings.
   2. Necessary to protect the safety of our employees, our property or the public.
   3. Necessary for the prevention or detection of crime, including exchanging information with other companies or organizations for the purposes of fraud protection and credit risk reduction.
   4. Proportionate as part of a merger, business, or asset sale, in the event that this happens we will share your information with the prospective seller or buyer involved.

Cookie Policy

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Data Security

• We take commercially reasonable technical, physical, and organizational steps to safeguard any information you provide to us, to protect it from unauthorized access, loss, misuse, or alteration.
• We try to ensure that all information you provide to us is transferred securely via the website (always check for the padlock symbol in your browser, and “https” in the URL, to ensure that your connection is secure).
• All information you provide to us is stored on secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
• Although we take reasonable security precautions, no computer system or transmission of information can ever be completely secure or error-free, and you should not expect that your information will remain private under all circumstances. The MS Times will not be liable for any damages of any kind arising from the use of the Platform, including, but not limited to any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly or any loss of data, use, good-will, or other intangible losses.

Links to External Websites

1. Our Website may contain links to external sites, including advertisers and financial services providers. We are not responsible for the content or privacy practices of these third-party websites. We encourage you to review their privacy policies before providing any personal information to the external links.

Children’s Privacy

• You must have attained the age of majority to be able to use and access our Services. If you are a minor in your jurisdiction, your registration and use of our Services must be with the supervision of an adult.
• As a parent or legal guardian, please do not allow your minors under your care to submit Personal Information to us. In the event that such Personal Information of a minor is disclosed to us, you hereby consent to the processing of the minor’s Personal Information and accept and agree to be bound by this Privacy Policy and take responsibility for his or her actions.
• However, if the MS Times is notified that the personal data of individuals below the age of majority has been collected by us, without user or parental consent, we shall take all necessary steps to delete such information from our servers. As a parent or legal guardian, you are encouraged to reach out to us, for redressal of any complaints in relation to collection of children data.

Changes to this Privacy Policy

1. We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any significant changes by posting a prominent notice on our Website or sending an email to the address you provided.

This version was last updated on 06-Aug-2023 and historic versions can be obtained by contacting us.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the data we hold about you, please contact us at [msingh@mstimes.co.in].

Please also read our disclaimer