• “HDFC Pension” or “Us” or “We” or “HPFM”– refers to HDFC Pension Fund Management Limited. (formerly known as HDFC Pension Management Company Limited).
• “Privacy Policy” – refers to this policy.
• “Personal Information” –means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person “Sensitive Personal Data or Information”-of a person means such personal information which consists of information relating to;— (i) password; (ii) financial information including but not limited to such as Bank account or credit card or debit card or other payment instrument details ; (iii) physical, physiological and mental health condition; (iv) sexual orientation; (v) medical records and history; (vi) Biometric information; (vii) any detail relating to the above clauses as provided to body corporate for providing service; and (viii) any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise, provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information. It shall also include the Aadhaar number and/or the biometric information associated with an Aadhaar number as defined under the Aadhaar Act, 2016 and associated amendments under the act as per UIDAI (Unique Identification Authority of India).
• “Services” – all Services made available by HDFC Pension.
• “Third Party Service Provider(s)” – means the group companies / affiliates, third party vendors, agents, contractors, consultants or service providers.
• “Website” – refers to hdfcpension.com and any subsequent pages under its sitemap.
• “You” or “Your” or “User(s)” – refers to the person accessing the Website or utilizing the services of HDFC Pension in any capacity.

• Information You give Us:

• We may collect the following Personally Information from You (Please note that this is an indicative list):

• Information we may get from our affiliates or third parties:

• Information We get through sending one or more cookies or anonymous identifiers to Your device:

• In case You do not provide Your information or consent for usage of personal information or later on withdraw Your consent for usage of the personal information for the purpose it was collected or submit misleading and/or False information or fail to update the Your information , HDFC Pension reserves rights to discontinue/cancel the services for which, the said information was sought and any decision of HDFC Pension in this regard shall be binding on You and shall supersede the terms of the services.

HDFC Pension   encourages You to update Your Personal Information as and when there are any changes. You are also entitled to review the information provided and ensure that any information found to be inaccurate or deficient is corrected or amended as feasible. HDFC Pension shall not be responsible for the authenticity of the Personal Information or sensitive personal data or information supplied by You. All Personal Information so provided will be on an ‘as on’ basis. HDFC Pension shall not be responsible for any actions or policies of any Third Party Service Providers and Users are requested to check the applicable privacy policy and acquaint themselves with the terms and conditions of usage of such Third Party Service Providers while providing Personal Information. HDFC Pension shall be not liable for any variance in the features/benefits offered by such Third Party Service Providers and shall not in any case assume warranty on the efficiency or efficacy of such offers.

• To provide You with pension related products that You may purchase from HDFC Pension
• To address You enquiries or complaints and or any other customer services related activities
• To provide Services to all Users of the Website/App
• To personalize Your experience
• To improve our Website/App, products and customer Service
• To process transactions, where requested, under Your User ID and Password
• To send periodic emails/SMS’s/mobile notifications/ WhatsApp messages
• To administer a contest, promotion, survey or other site or business feature
• To close a sale as well as for post sales information gathering
• To communicate with You for any other post sales requirement
• To conduct statistical analysis
• To develop better products/solutions or improve services using artificial intelligence, machine learning, behavioural analysis and other technologies.
• For sales and marketing activities
• For Aadhaar authentication and sharing, storing, using Aadhaar data, as per the applicable laws
• For detecting and protecting against error, fraud or identification of other criminal activity
• For sharing with any regulatory, statutory or judicial authorities for compliance with any law or regulation in accordance with this Privacy Policy
• And as otherwise informed to You at the point of collection

• HDFC Pension or its Website/App does not collect any personal information (except in relation to online purchase) unless voluntarily provided by You, and HDFC Pension confirms that it shall not rent or sell any of Your Personal Information. However, You would be required to provide Personal Information in the course of Your purchasing or initiating a transaction for purchase of pension products (if any), or for initiating any other Service request / transaction under any product purchased by You.
• HDFC Pension will require Personal Information to be shared/exchanged and disclose for external processing with Third Party Service Providers or vendors:
  • To meet requirements of any applicable law, regulation, legal process, enforceable governmental request or customary practice directly or through our affiliates / banks / financial institutions / credit bureaus / agencies
• To meet requirements of participation of any telecommunication or electronic clearing network
• For statistical analysis and verification or risk management
• To enforce applicable terms of Service, including investigation of potential violations
• To detect, prevent or otherwise address fraud, security or technical issues
• To protect against harm to the rights, property or safety of HDFC Pension, our Users or the public as required or permitted by law; and
• To comply with PFRDA guidelines and/or as required under applicable laws. Your usage of the Website would also imply Your acceptance of the aforesaid terms.
• HDFC Pension retains the right to share non-personally identifiable information with third parties for business purposes, to assess Website traffic, patterns and other such purposes. HDFC Pension also retains the right to share non-personally identifiable information to comply with applicable legal and regulatory processes, or to protect and defend the rights and interests of HDFC Pension and its affiliates and/or other Users or to enforce the terms and conditions which are binding on all Users of the Website.

• Marketing purposes
• Document management/retention
• Cloud storage
• Logistical activities such as printing, Courier of documents, etc.
• Cross-selling and up-selling of products of the HDFC Pension or group/parent companies.
• Customer support provided by call centres
• Improving services and products

The Website may amend or modify, this Privacy Policy including replacing this Privacy Policy with a new Policy, at any time at the sole discretion of HDFC Pension. Users are requested to periodically check the terms and conditions under this Privacy Policy from time to time. HDFC Pension shall not in any circumstance be held liable for such lapses on the part of the users.

• We provide role-based access to employees/partners who need to login to our systems/ applications
• We review our information collection, storage and processing practices, to guard against unauthorized access to systems
• We permit access to personally identifiable information to our employees, contractors and agents who are subject to strict contractual confidentiality obligations for data processing purposes
• We provide password based authentication access to Users who login to our Website/App. However, You are responsible for maintaining the confidentiality of Your login ID and password and You should not provide these credentials to any third party. We recommend that You change Your password periodically. We shall not be responsible if someone else accesses Your account through login ID and password they have obtained from You or through a violation by you of this Privacy Policy or the Website’s Terms
• Communications between Your computer/mobile and our Website are encrypted using at least 128-bit secure socket layer technology (“SSL”). This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. The Website also encrypts Your Website password so that Your password cannot be recovered, even by us

HDFC Pension uses third party data centres and cloud services to securely store Your data and to minimize the possibility of data loss. The relevant security safeguards and contractual clauses as required by relevant Laws are adhered to while storing Your data.

HDFC Pension shall not retain any Personal Information or Sensitive Personal Data or Information beyond the period necessary to satisfy the purpose for which it is processed (unless it is required by local regulations and applicable laws). In some circumstances, HDFC Pension may anonymize the data so that it can no longer be associated with the User, in which case HDFC Pension may use such data without further reference to the user. In case of deactivation / termination of the account / services or withdrawal of consent by You, the Personal Information provided may no longer be used for providing the services/facilities and the same may also get removed upon the expiry of the maximum tenure as may be prescribed under the provisions of the law as applicable or as per HDFC Pension privacy policy on data retention. Unless the Personal Information is purged permanently, the Personal Information may remain on the servers and we may use the Personal Information for data analytics purposes and procedures for improving the provisions of services/facilities by them in a non identifiable manner.

Information, content and materials provided on this Website are on an “As Is” basis and HDFC Pension does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.