Privacy Policy

Maintaining the privacy of user’s information is important to us. This privacy statement outlines how we collect information from you, when you register at and what we do with that information.

When you browse through the pages of the website, read or download information, we may collect, note or analyse details about your visit such as:

Your server address
Your operating system, top level domain name and the type of web browser you use
The date and time of your visit to the website
Whether you have visited the website previously
What pages of the website you accessed and what you downloaded
Your usage pattern and characteristics in order to measure interest in and use of various areas of the site.
The information we collect relates to your server or PC rather than yourself.

The information we collect will be used to help us improve our online services keeping in mind your needs, and to help us to provide you faster navigation and access to the various sections of the website. We may disclose this information to other persons for these purposes or for related purposes, including to information technology companies who assist us in constructing, designing and maintaining the website.

We will also collect your personal details while registering you as a user or subscriber of our various online services, or when you wish to download certain documents from our website or if you email us with a comment or query. We will use your details:

To send you the documents you have requested
To answer your comment or query
To monitor our responses to you
For our internal sales and marketing analysis

If you want to find out what personal information (if any) we hold in respect of you which has been collected through the website, or if you wish to update or correct your personal information, please contact us.

Collection of information

The user represents that he is fully aware that in the course of using this website or in the process of subscribing to the products and services or part of it, Financial Radiance may obtain information relating to the user, including that of a confidential nature. Financial Radiance does not collect personal information about the user except when such users specifically provide such information on a voluntary basis. For example, such information may be collected through the registration process for subscribing to services and in connection with contest submission, message boards, suggestions & votings/ polling activities. This information will be used by Financial Radiance for its internal purposes and will be kept confidential. Personal information on users will not be sold or otherwise transferred to unaffiliated third parties without the approval of the user.

Privacy commitments

Financial Radiance is strongly committed to protecting the privacy of its users and has taken all necessary and reasonable measures to protect the confidentiality of the users’ 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 users. Employees of Financial Radiance will not discuss the business affairs of any user with any other employee, except on a strict need-to-know basis.

Use of Information

Financial Radiance undertakes not to disclose the information provided by the users to any person, unless such action is necessary to:

Conform to legal requirements or comply with legal process such as requests of the government, court, tribunal, authority or other regulatory agency and/or required by any law;
Protect and defend Financial Radiance’s or its Affiliates’ rights, interests or property;
Enforce the terms and conditions under which its products and/or services are sold; or
Act to protect the interests of Financial Radiance, its Affiliates, or its members, constituents or of other persons.

Financial Radiance may use and/ or share the information provided by the users as it may deem necessary with its Affiliates and third parties for providing services and any service-related activities in order to serve you better. In this regard it may be necessary to disclose the user information to one or more agents and contractors of Financial Radiance, and their sub-agents or sub-contractors, but such agents, sub-agents, contractors and sub- contractors will be required to use such information only for the stipulated services.

Financial Radiance may disclose the user’s personal information to government, court, tribunals, authorities or other regulatory agency and/ or as may be required by the law to comply with their bonafide request. In either case Financial Radiance shall be bound by and shall at all times have the legal right to disclose any or all personal information given by the user to it and Financial Radiance shall not be held responsible or liable for any eventuality, loss or damage to the user that may arise out of such action on its part.

Further, some of the user information is maintained in Financial Radiance’s marketing database. Financial Radiance may contact a user either by post, or by telephone or e-mail primarily as a follow-up to the user’s request/enquiry or to answer any questions. Financial Radiance may also contact a user from time to time in respect of other products and services that may be of interest to users. If a user does not wish to receive information about these products or services, the user may simply contact Financial Radiance by phone, e-mail or post and communicate its desire not to receive information on these products or services.

Financial Radiance may inform advertisers of information on user’s behaviour and characteristics showing interest in various areas of the Financial Radiance website as well as number of users that have been exposed to or clicked on their advertising banner. Financial Radiance will provide only aggregate data from such analysis done by it to third parties. Also, users should be aware that Financial Radiance may sometimes permit third parties to offer subscription and/or registration-based services through Financial Radiance. Financial Radiance is not responsible for any actions or policies of such third parties and users should check the applicable privacy policy of such party when providing personally identifiable information.


The user shall cooperate with Financial Radiance in order to ensure the security of the information, and we recommend that the users necessarily choose their passwords carefully such that no unauthorized access is made by a third party. The users 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.


Users are also aware that non-personal information and data may be automatically collected through the standard operation of Financial Radiance’s internet servers or through the use of “cookies.” “Cookies” are small text files a web site can use to recognize repeat users, facilitate the user’s ongoing access to and use of the site and allow a site to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising

Cookies are not programs that come onto a user’s system and damage files. Generally, cookies work by assigning a unique number to the user that has no meaning outside the assigning site. Users are also hereby being made aware that Financial Radiance cannot control the use of cookies or the resulting information by advertisers or third parties hosting data for Financial Radiance. If a user does not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to deny or accept the cookie feature; however, users should note that cookies may be necessary to provide the user with certain features (e.g., customized delivery of information) available from Financial Radiance.

Financial Radiance reserves the right to change this policy at any time by notifying users of the existence of a new privacy statement. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Third Party Advertising

We use third-party advertising companies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you.


Financial Radiance reserves the right to modify the whole or some sections of this Privacy Statement at any time. Please check this statement from time to time for any changes.


to ‘you, ‘your’ and yours’ are references to the person(s) accessing this website.

to ‘we’, ‘us’ and ‘our’ are references to mean individually and collectively Financial Radiance.