ছোট্ট ছোট্ট পায়ে
নিজের ছোট দোকান চালু করতে চান? হাঁস-মুরগি পালনে আগ্রহী? ছোট ব্যবসার জন্য হাতের সামনে রয়েছে ক্ষুদ্রঋণ। সুলুকসন্ধান দিলেন চন্দ্রশেখর ঘোষ কী ভাবে এই চিন্তা থেকে তাঁদের কিছুটা স্বস্তি দেওয়া যায়, তা নিয়েই আজকের আলোচনা।
শেষ আপডেট: ০৯ জানুয়ারি ২০২০ ০৬:০৩
বাবা-মা ভাল দিন, শুভ লগ্ন দেখে বিয়ে দিয়েছিলেন কৃষ্ণনগরের সুলেখা হালদারের। নতুন সংসার পাতার পরে বেশ কিছু বছর ভালই কেটেছিল। কিন্তু স্বামী-সন্তান নিয়ে খুব বেশি দিন সেই সুখ স্থায়ী হয়নি সুলেখার জীবনে। এক দিন হঠাৎ তাঁকে ছেড়ে নিরুদ্দেশ হয়ে যান স্বামী আর সুলেখার মাথায় আকাশ ভেঙে পড়ে। দিনরাত শুধু দুশ্চিন্তা, কী করে চলবে সংসার আর কোথা থেকে আসবে দু’বেলার ভাত। ঠিক এরকমই একটা সময়ে পাশের বাড়ির এক বৌদি তাঁকে নিয়ে গেলেন তাঁদের গোষ্ঠীর মিটিংয়ে। একটি ক্ষুদ্রঋণ (মাইক্রো-ফিনান্স) সংস্থা এসে এই মিটিং করে ওঁদের গ্রামে। সেখান থেকে ঋণ নিয়েই শুরু হল সুলেখার নতুন করে বাঁচার লড়াই।
এই রকম সুলেখা হালদার ও তাঁদের দুশ্চিন্তার সংসার আমাদের দেশের গ্রামগুলিতে পরিচিত একটা ছবি। কী ভাবে এই চিন্তা থেকে তাঁদের কিছুটা স্বস্তি দেওয়া যায়, তা নিয়েই আজকের আলোচনা। দেখে নেওয়া যাক কী ভাবে ক্ষুদ্রঋণ সংস্থাগুলি থেকে ধার নেওয়া যায়। কখন তা মেলে, যোগ্যতাই বা কী লাগে। প্রথমেই জেনে নেব মাইক্রো-ফিনান্স সংস্থা কাদের বলে।
কারা ক্ষুদ্রঋণ সংস্থা
• মাইক্রো-ফিনান্স বা ক্ষুদ্রঋণ সংস্থা হল এক ধরনের আর্থিক প্রতিষ্ঠান, যারা ক্ষুদ্র ও ছোট ব্যবসার প্রয়োজনে ঋণ দেয়।
• এখনও আমাদের দেশের অনেক গ্রামে ব্যাঙ্ক বা আর্থিক প্রতিষ্ঠান থেকে ঋণ পাওয়া শক্ত। অনেক সময়ে আবার অনিয়মিত রোজগার-সহ নানা কারণে তা মেলেও না। সাধারণত সেই সমস্ত মানুষকেই অর্থ সাহায্য করে এই ক্ষুদ্রঋণ সংস্থাগুলি।
• লক্ষ্য, যাতে ওই সব ব্যক্তি ছোট ব্যবসা শুরু করে নিজেদের রোজগারের পথ তৈরি করতে পারেন। অথবা নিজের চালু ব্যবসাকে আরও সম্প্রসারিত ও প্রতিষ্ঠিত করতে পারেন।
অন্য কারা ক্ষুদ্রঋণ দেয়
• বাণিজ্যিক ব্যাঙ্ক, সমবায় ব্যাঙ্ক ও সরকারি ব্যাঙ্কের কিছু কিছু শাখা, স্মল ফিনান্স ব্যাঙ্ক, ব্যাঙ্ক নয় এমন আর্থিক প্রতিষ্ঠান (এনবিএফসি), এনবিএফসি মাইক্রো-ফিনান্স কোম্পানি এই ঋণ দিতে পারে।
• সীমিতসংখ্যক অসরকারি সংস্থা (এনজিও), ক্রেডিট ইউনিয়ন ইত্যাদিও ক্ষুদ্রঋণ দেয়।
এখানে বলে রাখা ভাল যে, রিজার্ভ ব্যাঙ্কের নিয়ম অনুসারে, ব্যাঙ্ক ও সমবায় ব্যাঙ্ক ছাড়া আর কোনও সংস্থা আইনি ভাবে কোনও সঞ্চয় ও আমানত রাখতে পারে না।
কী ভাবে দেওয়া হয়
দেশে মাইক্রো-ফিনান্সের বিভিন্ন মডেল পরিচিত। যেমন, সেল্ফ হেল্প গ্রুপ (স্বনির্ভর গোষ্ঠী), জয়েন্ট লায়াবিলিটি গ্রুপ (যৌথ দায়বদ্ধ গোষ্ঠী) ও ইন্ডিভিজুয়াল গ্রুপ (ব্যক্তি গোষ্ঠী)। এদের মধ্যে বর্তমানে জয়েন্ট লায়াবিলিটি গ্রুপ উল্লেখযোগ্য। এখানে আমরা মূলত এই গ্রুপ নিয়েই আজ আলোচনা করব। এই গোষ্ঠীর বৈশিষ্ট্য হল—
• সদস্য হতে পারেন ৫-২০ জন। সাধারণত গোষ্ঠীর ১০০ শতাংশই মহিলা হন।
• ওই গোষ্ঠীতে ঋণদানকারী সংস্থার তরফে এক জন গ্রুপ সভাপতি, এক জন সেক্রেটারি ও এক জন ক্যাশিয়ার থাকেন। কোনও কোনও সংস্থায় এক বা দু’বছর অন্তর এই পদাধিকারীরা বদলাতে থাকেন।
• বিভিন্ন সংস্থার নিয়ম অনুযায়ী, গ্রামে ও গ্রাহকদের পাড়ায় প্রতি সপ্তাহে, দু’সপ্তাহে ও মাসে মিটিংয়ের ব্যবস্থা করা হয়। সেখানে সদস্যদের নিয়মিত হাজিরা দেওয়া বাধ্যতামূলক।
• প্রথম দু’টি মিটিংয়ে ঋণের নিয়মকানুন ও কার্যকারিতা সম্পর্কে সদস্যের জানানো হয়। ঋণ নেওয়া, সুদের হার, ঋণের ব্যবহার, ঋণ শোধের নিয়ম ও মেয়াদ সম্পর্কে প্রশিক্ষণ দেওয়া হয়।
• যে সমস্ত মহিলারা লিখতে-পড়তে পারেন না, তাঁদের নিজের নাম সই করাও শিখিয়ে নেওয়া হয়।
• এই সব মিটিংয়ে ক্ষুদ্রঋণের প্রস্তাব গ্রহণ করা হয়।
• তার পরে গোষ্ঠী সেই প্রস্তাবের সমর্থন করে ঋণের অনুমোদন ও বিতরণের সুপারিশ করে।
• এই মিটিংয়ে গ্রাহকদের থেকে ঋণের কিস্তিও গ্রহণ করা হয়।
• জয়েন্ট লায়াবিলিটি গ্রুপে প্রতি সদস্য একে অপরের ঋণ শোধের ব্যাপারে আংশিকভাবে হলেও দায়বদ্ধ। তাই দেখা যায় নিজেদের আর্থিক প্রয়োজনেই সদস্যেরা সুসংগঠিত ভাবে গোষ্ঠী পরিচালনা করেন।
কোন ব্যবসায় নেওয়া যায়
• ক্ষুদ্রঋণ নিয়ে সাধারণত ছোট ব্যবসা, কুটির শিল্প ও কৃষিকাজ সংক্রান্ত ব্যবসা শুরু করা যায়।
• অথবা চাইলে নিজের ছোট ব্যবসাকে আরও বাড়ানো যায়।
• দেশে মোটামুটি যে ধরনের ব্যবসায় ক্ষুদ্রঋণ কাজে লাগানো হয় সেগুলি হল— আনাজ চাষ ও বিক্রয়, মাছ চাষ ও বিক্রয়, হাঁস-মুরগি পালন, গরু পালন, দুগ্ধ ও দুগ্ধজাত পণ্য বিক্রি, মুদিখানা, জামাকাপড় সেলাই ও বিউটি পার্লার খোলা প্রভৃতি।
যোগ্যতা কী
• সাধারণত ১৮ বছর বয়স হলেই এই ঋণের আবেদন করা যায়।
• কর্মক্ষমতা থাকলে ৬০ বছর বয়স পর্যন্ত ঋণ নেওয়া যায়।
• একটি পরিবারে শুধু এক জনই এই ঋণ পেতে পারেন।
• যেহেতু এই ঋণ মূলত ব্যবসা শুরু করা ও চালু ব্যবসাকে সম্প্রসারণ করার জন্যই দেওয়া হয়, তাই কোনও কোনও ক্ষেত্রে ব্যবসা বা ব্যবসার পরিকল্পনা সংক্রান্ত প্রমাণ দাখিল করতে হয়। কিছু সংস্থার ক্ষেত্রে ঋণ গ্রহীতার পূর্বে শোধ করা ঋণের রেকর্ডও দেখা হয়।
• যে কোনও গ্রাহকের ক্ষুদ্রঋণ সংক্রান্ত তথ্য প্রতি সপ্তাহে ক্রেডিট ব্যুরোতে আপলোড করা হয়। ফলে যে কোনও আর্থিক প্রতিষ্ঠান সহজেই আবেদনকারীর ক্রেডিট রেকর্ড যাচাই করে ঋণ দেওয়া বা না-দেওয়ার সিদ্ধান্ত নেয়।
সর্বাধিক কত
• নিয়ম অনুসারে, সব পরীক্ষার পরে মোট ঋণের পরিমাণ কত হওয়া উচিত, তা ঠিক করে ক্ষুদ্রঋণ সংস্থা।
• রিজার্ভ ব্যাঙ্কের নিয়ম অনুযায়ী, কোনও একজন আবেদনকারী সর্বোচ্চ দু’টি ক্ষুদ্রঋণ সংস্থা থেকে ঋণ নিতে পারবেন এবং মোট ১.২৫ লক্ষ টাকা পর্যন্ত ঋণ পেতে পারবেন।
• সাধারণত এই ঋণ ৫০০০ টাকা থেকে শুরু হয়। তবে প্রতি বছর ব্যবসা বাড়ার সঙ্গে সঙ্গে ঋণের পরিমাণ বাড়ানোরও সুযোগ থাকে।
• সর্বোচ্চ দু’টি ক্ষুদ্রঋণ সংস্থা থেকে একই সময়ে ঋণ নেওয়া যায়।
• তবে ব্যাঙ্ক থেকে ঋণ নিলে উপরের এই নিয়মগুলি প্রযোজ্য নয়।
কত দিনে শোধ
• এই সব ক্ষুদ্রঋণের মেয়াদ সাধারণত ১ থেকে ২ বছর পর্যন্ত হতে পারে। তার মধ্যে ঋণ শোধ করে দিতে হয়।
• এই ঋণের কিস্তি দিতে হয় সপ্তাহে, প্রতি পনেরো দিনে বা মাসে। যে কারণে সাধারণত সমগ্র সুদের পরিমাণও অন্যান্য দীর্ঘমেয়াদি ঋণের তুলনায় বেশ কম হয়।
• ক্ষুদ্র ঋণে সরল সুদ (সিম্পল ইন্টারেস্ট) বসে। চক্রবৃদ্ধি হারে সুদ (কম্পাউন্ড ইন্টারেস্ট) নেওয়া হয় না।
• ধার শোধের পরে গ্রাহকের বাড়ি ও ব্যবসার অবস্থা খতিয়ে দেখে আর্থিক প্রতিষ্ঠানগুলি ঋণ বাড়াতে, কমাতে অথবা সম্পূর্ণ নাকচ করতে পারে।
সুদের হার
কোনও ক্ষুদ্রঋণ সংস্থা গ্রাহকদের থেকে কত হারে সুদ নিতে পারে, তা নির্ধারণের নিয়ম ঠিক করে দিয়েছে রিজার্ভ ব্যাঙ্ক। সেই নিয়ম অনুসারে—
• ক্ষুদ্রঋণ সংস্থার মোট ব্যবসা যদি ১০০ কোটি টাকার বেশি হয়, তা হলে সংস্থাটি যে সুদে ব্যাঙ্ক থেকে ধার নিয়েছে তার উপরে বাড়তি ১০% অবধি গ্রাহকদের থেকে নিতে পারে।
অর্থাৎ, সংস্থা যদি ব্যাঙ্ক থেকে ১২% সুদে ঋণ নিয়ে থাকে, সে ক্ষেত্রে গ্রাহকের ঋণে সুদের হার হতে পারে সর্বোচ্চ ২২%।
• সংস্থার মোট ব্যবসা যদি ১০০ কোটি বা তার নীচে হয়, সে ক্ষেত্রে সংস্থাটি যে সুদে ব্যাঙ্ক থেকে ধার নিয়েছে তার উপরে অতিরিক্ত ১২% অবধি সুদ নিতে পারে।
এ ক্ষেত্রে সংস্থা যদি ১২% সুদে ঋণ নিয়ে থাকে, তা হলে গ্রাহকদের থেকে তারা সর্বোচ্চ ২৪% অবধি সুদ নিতে পারবে।
• এ ছাড়া দু’ক্ষেত্রেই ১% অবধি প্রসেসিং ফি নিতে পারে সংস্থাগুলি।
• বাণিজ্যিক ব্যাঙ্কের ক্ষেত্রে অবশ্য অন্যান্য ঋণের সুদের হার যে ভাবে ঠিক হয়, ক্ষুদ্রঋণের সুদও সে ভাবেই নির্ধারিত হয়ে থাকে।
বৈশিষ্ট্য
• রিজার্ভ ব্যাঙ্কের জারি করা নিয়ম মেনে চলে মাইক্রো-ফিনান্স সংস্থাগুলি। অর্থাৎ, তাদের কাজকর্মে শীর্ষ ব্যাঙ্কের নজরদারি থাকে।
• সাম্প্রতিক নিয়ম অনুসারে, এখন প্রতি ক্ষুদ্রঋণ গ্রাহক, এমনকি কোনও কোনও সংস্থায় ঋণগ্রহীতার স্বামীরাও জীবন বিমার অন্তর্ভুক্ত।
• এমন অনেক ক্ষুদ্রঋণ প্রকল্প
বাজারে রয়েছে, যেগুলি শুধু মহিলাদের কথা মাথায় রেখেই তৈরি। তাঁরাই সেখানে ঋণের আবেদন
করতে পারেন ও ব্যবসা সংক্রান্ত সিদ্ধান্ত নিতে পারেন।
লেখক বন্ধন ব্যাঙ্কের এমডি-সিইও
(মতামত ব্যক্তিগত)
Share this article
CLOSE- One number & One character
- Minimum 6 character
-
Forgot Password
Or
By continuing, you agree to our terms of use
and acknowledge our privacy policy
Log In / Create Account
We will send you a One Time Password on this mobile number or email id
Or Continue with
By proceeding you agree with our Terms of service & Privacy Policy
Proprietary Rights
These Terms of Use govern your use of the websites, content and community services offered through www.anandabazar.com , other associated URLs ("Site") and all mobile applications ("Mobile Apps") and products and services offered by ABP Pvt Ltd.
"You" and / or "Your" and / or "User" shall include and mean the person who is accessing the aforesaid website www.anandabazar.com through any means available now and / or maybe available in the future.
You (the user) agree to access "the Site" and "Mobile Apps", subject to the terms and conditions of use as set out here.
ABP Pvt.Ltd., the owner and / or publisher of www.anandabazar.com may add to or change or update these Terms of Use, from time to time entirely at the its own discretion. You are responsible for checking these Terms of Use periodically to remain in compliance with these terms. Your use of a Site after any amendment to the Terms of Use shall constitute your acceptance of these terms and you also agree to be bound by any such changes/revisions. By using this site you hereby represent and warrant that you are hereby bound by these Terms of Use and it's any amendments thereof and further represent that you are more than 18 (eighteen) years of age and otherwise competent to bound yourself into a valid contract as per the Laws of India. In the event you are below the age of 18 (eighteen) years then it shall be deemed that you are using this site under the guidance and supervision of your natural parent and / or guardian.
Governing Law and Meanings:-
These Terms of Use are being governed by the Laws of India and meaning of words used herein in connection with the use of the said website shall bear the meaning as may be envisaged and interpreted by the Information Technology Act, 2000 and any of its Amendment Acts.
Changes
ABP Pvt. LTD. reserves the right to suspend / cancel, or discontinue any or all channels, products or service at any time without notice , make modifications and alterations in any or all of the content, products and services contained on the site without prior notice. Such changes will be posted to "www.anandabazar.com" for your reference and convenience so as to enable you to understand your responsibility as a user.
Charges
ABP Pvt. LTD. reserves the right to charge subscription and / or membership fees from a user in respect of any product, service or any other aspect of this Site. Such charge of fees may be without any prior intimation at the sole discretion of ABP Pvt. Ltd.
Copyright and Trademarks
Unless otherwise stated, copyright and all intellectual property rights in all material presented on the site (including but not limited to text, audio, video or graphical images), trademarks and logos appearing on this site are the property of ABP Pvt. Ltd. Limited, its parent, affiliates and associates and are protected under applicable Indian laws. You agree not to use any framing techniques to enclose any trademark or logo or other proprietary information of ABP PVT. LTD.; or remove, conceal or obliterate any copyright or other proprietary notice or any credit-line or date-line on other mark or source identifier included on the Site / Service, including without limitation, the size, color, location or style of all proprietary marks. Any infringement shall be vigorously defended and pursued to the fullest extent permitted by law.
Limited Permission to Copy
ABP Pvt. Ltd. grants you permission to only access and make personal use of the Site and You agree not to, directly or indirectly download or modify / alter / change / amend / vary / transform / revise / translate / copy / publish / distribute or otherwise disseminate any content on ABP Pvt.Ltd.'s Site / Service, or any portion of it; or delete or fail to display any promotional taglines included in the Site / Service either directly or indirectly, except with the express consent of ABP Pvt. Ltd.
However, you may print or download extracts from these pages for your personal / individual, non-commercial use only. You must not retain any copies of these pages saved to disk or to any other storage medium except for the purposes of using the same for subsequent viewing purposes or to print extracts for personal / individual use.
ABP Pvt. Ltd. forbids you from any attempts to resell or put to commercial use any part of the Site; any collection and use of any product listings, descriptions, or prices; any derivative use of the Site or its contents; any downloading or copying of account information for the benefit of any other merchant; any renting, leasing, or otherwise transferring rights to the Site / Service; displaying the name, logo, trademark or other identifier of another person in such a manner as to give the viewer the impression that such other person is a publisher or distributor of the Service on the Site, or any data gathering or extraction tools; or any use of meta tags. You may not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from this site.
No part of the Site may be reproduced or transmitted to or stored in any other web site, nor may any of its pages or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without prior written permission.
Individual Registration, Access and Exchange of Information
For certain services such as email, personal web pages, contests and shopping, registration by the visitor is required. To register for these services you have to open an account by completing the registration process (i.e. by providing us with current, complete and accurate information as prompted by the applicable registration form). You also will choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account and shall be responsible for the security of the connection and / or network that you are using. By registering, you agree to the following terms in addition to any other specific terms which shall be posted at an appropriate location of the Site. Each registration is for a single individual user only.
To access these services, you will be asked to enter your individual User Name and Password, as chosen by you during your registration. Therefore, we do not permit any of the following:-
• Any other person sharing your account and Password;
• Any part of the Site being cached in proxy servers and accessed by individuals who have not registered with www.anandabazar.com as users of the Site; or
• Access through a single account and Password being made available to multiple users on a network.
If ABP Pvt. Ltd. reasonably believes that an account and Password is being used / misused in any manner, ABP Pvt. Ltd. shall reserve the right to cancel access rights immediately without notice, and block access to all users from that IP address.
Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify ABP Pvt. Ltd. immediately of any unauthorized use of your account or any other breach of security. ABP Pvt. Ltd. will not be liable for any loss that you may incur as a result of someone else using your password or account. However, you could be held liable for losses incurred by ABP PVT. LTD. or another party due to someone else using your account or password.
No unlawful or prohibited use
As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Services in any manner that could damage, disable, overburden, or impair any ABP PVT. LTD.'s server, or the network(s) connected to any ABP PVT. LTD.'s server, or interfere with any other party's use and enjoyment of any Services. You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
Material Posted/transmitted at www.anandabazar.com by the user and /or any third party:
All information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly or privately transmitted / posted, is the sole responsibility of the person from where such content is originated (the Originator). By Posting any material which contain images, photographs, pictures or that are otherwise graphical in whole or in part ("Images"), you warrant and represent that (a) you are the copyright owner of such Images, or that the copyright owner of such Images has granted you permission to use such Images or any content and/or images contained in such Images consistent with the manner and purpose of your use and as otherwise permitted by these Terms of Use and the Services, (b) you have the rights necessary to grant the licenses and sublicenses described in these Terms of Use, and (c) that each person depicted in such Images, if any, has provided consent to the use of the Images as set forth in these Terms of Use, including, by way of limitation, the distribution, public display and reproduction of such Images.
You represent that you have valid rights and title in any and all Content/Images that you submit on the Site, that you have not infringed on any IPR belonging to any party and further that you will indemnify ABP PVT. LTD or its affiliates for all claims arising out of any content that you post on the Site.
ABP PVT. LTD. accepts no responsibility for the said Content / Images. However, you understand that all Content / Images posted by you becomes the property of ABP PVT. LTD. and you agree to grant/assign to ABP PVT. LTD. and its affiliates, a non-exclusive, royalty free, perpetual, irrevocable and sub-licenseable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such Content / Images (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed throughout the world".
Limitations of Liabilities
Any transactions relating to sale/purchase of goods or services not directly offered by ABP PVT. LTD. are to be settled inter-se between the parties to such transaction and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by ABP PVT. LTD.
ABP PVT. LTD. merely endeavors to provide a platform where you and other party may interact, exchange information or carry out sale/purchase transactions on such terms and in the manner mutually agreed between you and the other party. ABP PVT. LTD. does not have any involvement in the actual transactions between the buyers and sellers in any way. It is only you, who is entirely responsible for all the activities, arising out of the transactions of sale/purchase of goods or services offered by any other party and not ABP PVT. LTD. ABP PVT. LTD. will not be liable for any loss that you may incur, while selling or purchasing goods /services of the third party.
Under No circumstances will ABP PVT. LTD. be held responsible or liable, in any way, for any content which in Legal opinion is derogatory, threatening, defamatory, obscene or offensive or offends public sensibilities or morals and shall also not assume liability for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any content posted or uploaded on the Site, or any infringement of another's rights, including intellectual property rights. You specifically agree that ABP PVT. LTD. is not responsible for any content sent using and/or included in ABP PVT. LTD.'s site/service by any third party.
Individual Registration and Access
Certain Services offered by the Company through www.anandazar.com platform, such as email, personal web pages, contests and shopping, require prior registration by the User. To gain access to such Services, You will be required to create an account by completing the registration process. As part of such registration process, You will be required to provide Us with current, complete and accurate information pertaining to such details as prompted by the applicable registration form. You will also be required to choose a unique password and a user name, which shall be entered by You every time You wish to gain access to the said Services. You shall not be entitled to gain, and shall not facilitate, access to www.anandabazar.com platform through a single account and password, by multiple users on a network. You agree and understand that We do not permit any part of www.anandabazar.com platform being cached in proxy servers. You are entirely responsible for maintaining the confidentiality of Your password and account.
If the Company reasonably believes that Your account and/or Password is being/ has been misused in any manner, the Company shall reserve the right to cancel access rights immediately without notice, and block access to all users from that IP address.
You shall not share your account information and password with others or use anyone else’s account. You are entirely responsible for any and all activities that occur under Your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. In such an event, we shall do our best to help you recover your account; however, we cannot guarantee that your account will be restored or the content contained therein will be recovered. We will not be liable for any loss that you may incur as a result of unauthorized use of your password or account. However, you could be held liable for losses incurred by the Company or another party due to someone else using your account or password.
International Users
You agree and understand that the Services are controlled and operated by the Company from its offices in India. You agree that: (i) the Services shall be deemed solely based in India; and (ii) the use of the Services do not give rise to personal jurisdiction over the Company, either specific or general, in jurisdictions other than India. You agree that the laws of India, excluding India’s choice of law rules, will apply to this Terms of Use and Privacy Policy and all other policies and guidelines provided by the Company and to the provision of Services by the Company.
Access to www.anandabazar.com platform and/ or the Services from jurisdictions other than India where the same are illegal is prohibited. The Company reserves the right to block access to www.anandabazar.com platform and/ or the Services by such prohibited access by international users. If you access www.anandabazar.com platform and/ or the Services from a location outside India, you waive any right available under laws of jurisdictions outside of India.
Individual Registration and Access
Certain Services offered by the Company through www.anandazar.com platform, such as email, personal web pages, contests and shopping, require prior registration by the User. To gain access to such Services, You will be required to create an account by completing the registration process. As part of such registration process, You will be required to provide Us with current, complete and accurate information pertaining to such details as prompted by the applicable registration form. You will also be required to choose a unique password and a user name, which shall be entered by You every time You wish to gain access to the said Services. You shall not be entitled to gain, and shall not facilitate, access to www.anandabazar.com platform through a single account and password, by multiple users on a network. You agree and understand that We do not permit any part of www.anandabazar.com platform being cached in proxy servers. You are entirely responsible for maintaining the confidentiality of Your password and account.
If the Company reasonably believes that Your account and/or Password is being/ has been misused in any manner, the Company shall reserve the right to cancel access rights immediately without notice, and block access to all users from that IP address.
You shall not share your account information and password with others or use anyone else’s account. You are entirely responsible for any and all activities that occur under Your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. In such an event, we shall do our best to help you recover your account; however, we cannot guarantee that your account will be restored or the content contained therein will be recovered. We will not be liable for any loss that you may incur as a result of unauthorized use of your password or account. However, you could be held liable for losses incurred by the Company or another party due to someone else using your account or password.
International Users
You agree and understand that the Services are controlled and operated by the Company from its offices in India. You agree that: (i) the Services shall be deemed solely based in India; and (ii) the use of the Services do not give rise to personal jurisdiction over the Company, either specific or general, in jurisdictions other than India. You agree that the laws of India, excluding India’s choice of law rules, will apply to this Terms of Use and Privacy Policy and all other policies and guidelines provided by the Company and to the provision of Services by the Company.
Access to www.anandabazar.com platform and/ or the Services from jurisdictions other than India where the same are illegal is prohibited. The Company reserves the right to block access to www.anandabazar.com platform and/ or the Services by such prohibited access by international users. If you access www.anandabazar.com platform and/ or the Services from a location outside India, you waive any right available under laws of jurisdictions outside of India.
Termination of Account
ABP PVT. LTD. reserves its right to refuse service, restrict, suspend, terminate your account; (Terminate this Agreement; Terminate or suspend your access to the ABP Web Sites; Refuse, move or remove for any reason any Content / Image that you submit on or through the Services; Refuse, move, or remove any Content / Image that is available on or through the Services; Deactivate or delete your accounts and all related information and files in your account; Establish general practices and limits concerning use of the Services) at any time and, remove or edit contents or cancel orders (entered by you) in its sole discretion with or without cause, and with or without any prior notice for any violation of the Terms of Use. Upon such termination or suspension, your right to use the ABP PVT. Ltd.'s Web Sites will immediately cease.
You can terminate Your account at any time by writing to service@anandabazar.com but your information may remain stored in archive on Our servers even after the deletion or the termination of Your account.
User Conduct and Obligations
You hereby agree and assure ABP PVT. Ltd. that the Site/Services shall be used for lawful purposes only and that you will not violate laws, regulations, ordinances or other such requirements of any applicable Central, State or local government or any other international laws. You further concur that you will not, through Site/Service:
• post, distribute, or otherwise make available or transmit any software or other computer files that contain a virus trojan horses, time bombs, bots, botnets, malicious content, content theft, data manipulation, threats or any other harmful programs or elements or component;
• delete from the Site any legal notices, disclaimers, or proprietary notices such as copyright or trademark symbols, or modify any logos that you do not own or have express permission to modify;
• not use the Site / Service in any manner that could damage, disable, overburden, or impair and not to undertake any action which is harmful or potentially harmful to any ABP PVT. LTD.'s server, or the network(s), computer systems / resource connected to any ABP PVT. LTD. server, or interfere with any other party's use and enjoyment of the Site/Service;
• obtain or attempt to obtain any materials or information through any means not intentionally made available through the Site/Service;
• engage in any activity that causes / may harm minors; or
• perform any activity which is likely to cause such harm;
• impersonate any person or entity, including, but not limited to, ABP PVT. LTD.'s official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• take any action which encourages or consists of any threat of harm of any kind to any person or property;
• carry out any "denial of service" (DoS, DDoS) or any other harmful attacks on application or internet service or;
• make any inappropriate, illegal or otherwise prohibited communication to any Newsgroup, Mailing List, Chat Facility, or other Internet Forum;
• use the Site/Service for illegal purposes;
• disrupt, place unreasonable burdens or excessive loads on, interfere with or attempt to make or attempt any unauthorized access to any ABP PVT. LTD website or the website of any ABP PVT.LTD.'s customer;
• transmit through the Site, any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, libelous, hateful, or racially, ethnically or otherwise objectionable material of any kind or nature. This includes text, graphics, video, programs or audio, etc;
• collect or attempt to collect personally identifiable information of any person or entity without their express written consent and you shall maintain records of any such written consent throughout the terms of this agreement and for a period of 2 years thereafter;
• engage in antisocial, disruptive, or destructive acts, including "flaming," "spamming," "flooding," "trolling," and "griefing" as those terms are commonly understood and used on the Internet
• forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Site.
• upload, post, email, transmit or otherwise make available any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," duplicative messages or any other form of solicitation.
• encumber or suffer to exist any lien or security interest on the subject matter of this Agreement; or
• make any representation or warranty on behalf of ABP PVT. LTD.
You agree not to post, distribute, transmit or otherwise make available any data, text, message, computer file, or other material that infringes and/or violates any right of a third party or any domestic or international law, rule, or regulation, including but not limited to:
• infringement of any copyright, trademark, patent, trade secret, or other proprietary rights of any third party, including, but not limited to, the unauthorized copying of copyrighted material, the digitization and distribution of photographs from magazines, books, or other copyrighted sources, and the unauthorized transmittal of copyrighted software;
• Right of privacy (specifically, you must not distribute another person's personal information of any kind without their express permission) or publicity;
• Any confidentiality obligation.
Unless otherwise permitted, you will: (i) display the Service on your Site in the exact form received by you, and not modify or edit any of the foregoing without ABP PVT. Ltd.'s prior written consent; (ii) ensure that the fundamental meaning of the Service is not changed or distorted; (iii) comply with all applicable laws and all limitations and restrictions (if any) placed by ABP PVT. Ltd. on the use, display or distribution of any Service and (iv) not archive any of the Service for access by users at any future date after the Service has been removed from your Web site. You acknowledge that the service must link and redirect to the appropriate ABP PVT. Ltd.'s Web page when a user clicks on the Service (e.g. a headline). You shall not display the Service in such a manner that does not allow for successful linking and redirection to, and delivery of, ABP PVT. Ltd.'s Web page, nor may you frame any ABP PVT. Ltd.'s Web page.
No Controlling Spam Policy or Unsolicited E-mails
You will not use any communication tool or other means available on the Site to transmit, directly or indirectly, any unsolicited bulk communications (including emails and instant messages). You may not harvest information about users of ABP PVT. LTD. for the purpose of sending or to facilitate the sending of unsolicited bulk communications. We may terminate your access or use of the Site immediately, with or without any notice, and take any other legal action if you, or anyone using your access details to the Site, violates these terms. We may adopt any technical remedy (including any filtering technology or other measures) to prevent unsolicited bulk communications from entering, or remaining within our computer or communication networks. Such filtering technology or other measures may block, either temporarily or permanently, some e-mail sent to you through the ABP PVT. Ltd.'s Web Sites.
Disclaimer of Warranties and Liability
limitation, the implied warranties of merchantability, fitness for a particular purpose, workmanlike effort, title and non-infringement are disclaimed and excluded.
ABP PVT. Ltd. and its parent, affiliates and associates shall not be liable, at any time for any, direct, indirect, punitive, incidental, special, consequential, damages (including, without limitation, damages for loss of business projects, damage to your computer system or damages for loss of profits, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the ABP PVT. Ltd.'s sites/services, with the delay or inability to use the ABP PVT. Ltd.'s sites/services or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the ABP PVT. LTD. sites/services, or otherwise arising out of the use of the ABP PVT. LTD. sites/services) arising in contract, tort or otherwise from the use of or inability to use the Site, or any of its contents, or from any act or omissions a result of using the Site or any such contents or for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorised access to, alteration of, or use of information contained on the site. No representations, warranties or guarantees whatsoever are made by ABP PVT. LTD. as to the (a) accuracy, adequacy, reliability, completeness, suitability or applicability of the information to a particular situation; (b) that the service will be uninterrupted, timely, secure, or error-free; (c) the quality of any products, services, content, information, or other material purchased or obtained from the website will meet your expectations or requirements; or (d) any errors in the website will be corrected.
Links to Other Sites
All the contents of this Site are only for general information or use. They do not constitute advice and should not be relied upon in making (or refraining from making) any decision. Any specific advice or replies to queries in any part of the Site is/are the personal opinion of such experts/consultants/persons and are not subscribed to by this Site. The information from or through this site is provided on "AS IS" basis, and all warranties and conditions, expressed or implied of any kind, regarding any matter pertaining to any goods, service or channel, including without Certain links on the Site lead to resources located on servers maintained by third parties, these sites of third party(s) may contain ABP PVT. LTD.'s-logo, please understand that it is independent from ABP PVT. LTD., over whom ABP PVT. LTD. has no control or connection, business or otherwise as these sites are external to ABP PVT. LTD. You agree and understand that by visiting such sites you are beyond the ABP PVT. LTD.'s website. ABP PVT. LTD., therefore neither endorses nor offers any judgement or warranty and accepts no responsibility or liability for the authenticity, availability, suitability, reliability, accuracy of the information, software, products, services and related graphics contained, of any of the goods/services/or for any damage, loss or harm, direct or consequential or any violation of local or international laws that may be incurred by your visit and/or transaction/s on these site(s), as the same is provided on "as is" without warranty of any kind. ABP PVT. LTD. gives no warranty and makes no representation whether expressed or implied, that the information contained in this site is error free. ABP PVT. LTD. shall not be responsible nor liable for any consequential damages arising on account of your relying on the contents of the advertisement. Before relying on the material, users should independently verify its relevance for their purposes, and should obtain any appropriate professional advice.
Material Submitted by Users
Certain elements of the Site will contain material submitted by users. ABP PVT. LTD. accepts no responsibility for the content, accuracy, conformity to applicable laws of such material. You will indemnify and hold harmless ABP PVT. LTD. against all third party claims, demands and actions brought against ABP PVT. LTD. which arises from or relates to the material submitted by you.
Advertising Material
Part of the Site contains advertising information or promotion material or other material submitted to ABP PVT. LTD. by third parties. Responsibility for ensuring that material submitted for inclusion on Site complies with applicable International and National law is exclusively on the party providing the information/material. Your correspondence or business dealings with, or participation in promotions of, advertisers other than ABP PVT. LTD. found on or through the Website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between You and such advertiser. ABP PVT. LTD. will not be responsible or liable for any claim, error, omission, inaccuracy in advertising material or any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such non-ABP PVT. LTD. advertisers on the Website. ABP PVT. LTD. reserves the right to omit, suspend or change the position of any advertising material submitted for insertion. Acceptance of advertisements on the Site will be subject to these terms and conditions.
Data Protection
ABP PVT. LTD. may send information and offer products and services to you from time to time. For further details relating to our policy relating to such offer please refer to our privacy statement. Notwithstanding the foregoing, ABP PVT. LTD. reserves the right to disclose any information in response to / that it is required to be shared, disclosed or make made available to any governmental, administrative, regulatory or judicial authority under any law or regulation applicable to ABP PVT. LTD.
Further, ABP PVT. LTD. can (and you authorize ABP PVT. LTD. to) disclose your name, street address, city, state, zip code, country, phone number, email, and company name to Intellectual Property rights owners, as we in our sole discretion believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity.
Relationship
None of the provisions of the User Agreement shall be deemed to constitute a partnership or agency between you and ABP PVT. LTD. and you shall have no authority to bind ABP PVT. LTD. in any manner, whatsoever.
Force Majeure
ABP PVT. LTD. shall have no liability to you for any interruption or delay, to access the Site irrespective of the cause.
Indian Law
The Agreement shall be governed by the Laws of India. The Courts of law at Kolkata, West Bengal, India shall have exclusive jurisdiction over any disputes arising under this agreement.
Entire Agreement
These Terms of Service constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.
Right to remove inappropriate messages
We reserve the right to remove any messages we deem to be inappropriate, i.e, racist, sexist or threatening. Messages using inappropriate language will also be removed. We do not wish to be censors, but our forums must remain civilized and respect the rights of others.
Limited time to bring your claim
You and ABP PVT. LTD. agree that any cause of action arising out of or related to the ABP PVT. LTD.'s web sites, only, must commence within one (1) year after the cause of action accrues otherwise, such cause of action will be permanently barred.
Acceptance of Terms & Conditions
By using ABP PVT. LTD.'s sites and services, you signify your acceptance of this Terms & Conditions. If you do not agree or are not comfortable with any term described in this Term & Conditions, your only remedy is to discontinue use of ABP PVT. LTD. sites. We reserve the right, to modify this Terns & Conditions at any time.
General Terms
Rights and obligations under the Terms which by their nature should survive will remain in full effect after termination or expiration of the Terms.
Any express waiver or failure to exercise promptly any right under the Terms will not create a continuing waiver or any expectation of non-enforcement.
If any provision of the Terms is held invalid by any law or regulation of any government, or by any court or arbitrator, the parties agree that such provision will be replaced with a new provision that accomplishes the original business purpose, and the other provisions of the Terms will remain in full force and effect.
Notice of Copyright Infringement
ABP PVT. LTD. is not liable for any infringement of copyright arising out of materials posted on or transmitted through the site, or items advertised on the site, by end users or any other third parties. Our policy is to comply with all Intellectual Property Laws and to act expeditiously upon receiving any notice of claimed infringement. If you believe that your work has been reproduced on this website in a manner that constitutes copyright infringement, please provide a notice of copyright infringement containing all of the following information:
(a)A physical or electronic signature of a person authorized to act on behalf of the copyright owner for the purposes of the complaint.
(b)Identification of the copyrighted work claimed to have been infringed.
(c)Identification of the material on our website that is claimed to be infringing or to be the subject of infringing activity.
(d)The address, telephone number or e-mail address of the complaining party.
(e)A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
(f)A statement, under penalty of perjury, that the information in the notice of copyright infringement is accurate, and that the complaining party is authorized to act on behalf of the owner of the right that is allegedly infringed.
All notices of copyright infringement should be sent to:
ABP Pvt. Ltd.
www.anandabazar.com
ABP Pvt. Ltd. 6, Prafulla Sarkar St. Kolkata-700001, West Bengal, India
+913322345374
WHAT INFORMATION DO WE GATHER ABOUT YOU?
The information gathered when you interact with ABP falls into two categories: 1) Personal information, which includes personal information you supply when you subscribe, order, complete a survey, register for one of our sites, enter a contest or provide your email address and 2) Non-personal information collected through technology, which includes tracking information collected by us as well as third parties.
Personal Information That You Give Us or Ask a Third Party to Share with Us
Registration Information
Registration for ABP may require that you supply certain personal information, including a unique email address and demographic information (ZIP code, age, sex, household income, job industry and job title) to register.
You may register or enhance your profile by linking your Facebook or Google accounts on ABP. By doing this, you are asking them to send us certain information from those social media accounts, and you are authorizing us to collect, store, and use what they send us in accordance with this Privacy Policy.
Social media registration features may collect your IP address, the page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our website. You can disassociate your ABP registration from third-party accounts any time.
Kindly note that ABP shall not responsible for any information collected by the third party from you.
User Generated Content and Public Activities (Including Comments and Reader Reviews)
We offer you opportunities to engage in public activities on ABP.com and other ABP Services. "Public activities" are any actions you take on ABP that are designed to be visible to other users, including comments, recommendations, reader reviews, ratings or any other items that you submit. Any information you disclose in your public activities, along with your screen name or ID, or any image or photo, becomes public and may be used by ABP for online and offline promotional or commercial uses in any and all media. If you choose to engage in public activities, you should be aware that any personal information you submit can be read, collected and used by other users of these areas. We are not responsible for the personal information you choose to submit in the course of your public activities and we have no responsibility to publish, take down, remove or edit any of your public activities or submissions. For more information, see Terms of Service.
Public activities may be included in our RSS feeds, APIs and other distribution formats. As a result, your public activities may appear on other websites, blogs, or feeds. Keep in mind that we are not responsible for any personal information you choose to make public via your public activities, and you agree that such sharing will be deemed to have been done by you, not ABP including but not limited to sharing of information in your connected social media accounts.
When you share or recommend links to content on a third-party platform (such as Facebook, Google+ and Twitter), that action and any information you share will be covered by their privacy policy.
Contests, Sweepstakes and Special Offers
ABP collects personal information from you when you participate in sweepstakes, contests or special offers. If this information is also being collected by a third party other than ABP, we will notify you at the same time. If you do not want any personal information shared, you should not participate in the sweepstakes, contest or special offer.
Reader Surveys, Reader Panels and Market Research
ABP may collect personal information from you in connection with voluntary surveys conducted via ABP. Data may be collected through ABP, on the phone or through the mail. The information you provide may be shared, but only in the aggregate, with advertisers and partners unless we notify you otherwise at the time of collection.
Members of our Reader Panels agree to participate in surveys, polls or discussions about their readership of ABP, their household/personal characteristics and their purchase behavior.
Conferences and Live Events
We often receive information about attendees to our live events from sign-in and registration lists. We may share this information with event or promotion sponsors, in which case we will notify you when we collect the information.
Non-Personal Information Collected Using Technology
Information Collected by Us Using Technology
We use various internet technologies to manage ABP and track use of the Services. Non-personal information that we collect using these technologies may be combined with other information about you.
Device Information. We may collect non-personal information about the computer, mobile device or other device you use to access ABP, such as IP address, geolocation information, unique device identifiers, browser type, browser language and other transactional information.
Cookies, Beacons, Local Storage and Other Similar Technologies. We use "cookies," web beacons, tags and scripts, and other similar technologies including local storage objects such as HTML5. These technologies allow us to manage access to and use of the Services, recognize you and provide personalization, and help us understand how people use ABP. You will not be able to access certain areas of our websites, including ABP, if your computer does not accept cookies from us. We do not respond to browser-based "do not track" signals. For more detailed information about our use of cookies and local storage, and how to manage them, see Frequently Asked Questions About Cookies.
We may transmit non-personally identifiable website usage information to third parties in order to show you advertising for ABP when you visit other sites. For more information about our third-party ad server, or to learn your choices about not having this non-personal information used to target ads to you, please click here.
Local Storage Objects
We may use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your web browsing activity use LSOs such as HTML 5 or Flash to collect and store information.
Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here:
http://www.macromedia.com/support/
documentation/en/flashplayer/
help/settings_manager07.html
Analytics, Log Files and Reading History
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses (the region or general location where your computer or device is accessing the internet), browser type, operating system and other usage information about the use of ABP, including a history of the pages you view.
We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, including customized Recommendations, advertising and currency display, to improve marketing, and to track access and use of ABP across the devices that you use to access ABP.
We have hired third parties to provide us information, reports and analysis about the usage, browsing patterns of our users. They may independently record the type of device and operating system you are using, general location information, as well as events that occur within our apps, such as how often you use our apps.
Location Information. Some of our mobile applications can deliver content based on your current location if you choose to enable that feature of the app. If you enable the location-based feature, your current location will be stored locally on your device, which will then be used by the app. If you elect to have a location-based search saved to your history, we will store that information on our servers. If you do not enable the location-based service, or if an app does not have that feature, the app will not transmit to us, and we will not collect or store, location information.
The ads in our apps are not targeted to you based on your current GPS location, but they may be targeted to you based on your ZIP code or device's IP address.
Third Parties
Some of the services and advertisements included in ABP, including on ABP and within our mobile apps, are delivered or served by third-party companies, which may collect information about your use of ABP.
These companies may place or recognize cookies, web beacons or other technology to track certain non-personal information about our website users. For example, in the course of serving certain advertisements, an advertiser may place or recognize a unique cookie on your browser in order to collect certain information about your use of ABP. For another example, an advertiser or ad server may also be able to collect your device's unique identifier in the course of serving an ad. In many cases, this information could be used to show you ads on other websites based on your interests.
We do not have access to, nor control over, these third parties' use of cookies or other tracking technologies or how they may be used.
Please click here to see a list of third parties that may be using cookies to serve advertising on our websites or in our apps. For example, we use Google to serve advertisements onto ABP, which use the Google Doubleclick cookie, and in some cases, a unique device identifier, to show you ads based on your visit to ABP and other sites on the internet. You may opt out of the use of the Google Doubleclick cookie by visiting the Google ad and content network privacy policy.
You have choices about the collection of information by third parties on our website:
1) If you would like more about your option not to accept advertiser cookies, please click here.
2) If you would like to opt-out of having interest-based ad targeting, click here.
Your access to our websites should not be affected if you do not accept cookies served by third parties.
WHAT DO WE DO WITH THE INFORMATION WE GATHER ABOUT YOU?
Provide the Services You Request
We use the information we gather about you to enable your use of ABP and fulfill your requests for certain products and services, such as sending out electronic newsletters and enabling you to participate in and renew paid services, polls, contests and message boards.
Statistical Analysis
We perform statistical, demographic and marketing analyses of users of ABP, and their subscribing and purchasing patterns, for product development purposes and to generally inform advertisers about the nature of our subscriber base. We use this information for analysis purposes, including analysis to improve customer relationships.
Customizing Your Experience
We use the information that we collect to allow advertising to be targeted to the users for whom such advertising is most pertinent. We also use this information to customize certain features of ABP to provide you with an enhanced experienced based on the type of device you are using to access ABP, and in certain cases, provide you with requested services.
Relevant Advertising
We may use demographic and preference information to allow advertising on ABP Service to be targeted to the users for whom they are most pertinent. This means users see advertising that is most likely to interest them, and advertisers send their messages to people who are most likely to be receptive, improving both the viewer's experience and the effectiveness of the ads. We disclose information to third parties only in aggregate or de-identified form.
Email Newsletters
ABP will periodically send you email newsletters or promotional email about services offered by ABP and its advertisers. For details about ABP email, please see below:
WHAT IS OUR EMAIL POLICY?
We will not send you marketing messages if you have unsubscribed. You can choose not to receive messages in the future by following the "unsubscribe" instructions located near the bottom of each email. We will not share, sell, rent, swap or authorize any third party to use your email address for commercial purposes without your permission. However, we will only share your email id with our registered partners in conformance with law. If you feel you have received an email from us in error, please contact newsletter.feedback@abpdigital.in
Email Newsletters. Anandabazar offers several email newsletters. If you no longer wish to receive a specific newsletter, follow the "unsubscribe" instructions located near the bottom of each newsletter.
Survey Email. We may invite you to participate in user surveys asking for feedback on anandabazar.com and existing or prospective products and services, as well as information to better understand our users. User surveys greatly help us to improve our Services, and any information we obtain in such surveys will not be shared with third parties, except in aggregate form.
Emails from You. If you send us an email, we will use your email address to respond directly to your questions or comments.
Email This Article Feature. Addresses you provide in the "Email" share feature may be saved for your convenience for future articles you may wish to email; but they are not used for any other purpose, and will not be shared with any third parties.
WITH WHOM DO WE SHARE THE INFORMATION THAT WE GATHER?
Within ABP
If you have registered to use ABP, we will not sell, rent, swap or authorize any third party to use your email address without your permission.
In the future, we may sell, buy, merge or partner with other companies or businesses. In such transactions, we may include your information among the transferred assets.
Third Parties
Not with-standing, anything contained herein above, we may share the information provided by you with third parties (in any manner whatsoever) and such consent for sharing information with third parties maybe expressed and / or implied as may be applicable and / or indicated. For abundant caution, it is provided that your participation in our website in any form and / or manner whatsoever is an implied consent from your end to be bound by our privacy policy and a further implied consent of allowing us to share your information with third parties.
If you are a print subscriber, we may exchange or rent your name and mailing address (but not your email address) and certain other information, such as when you first subscribed to ABP with other reputable companies that offer marketing information or products through direct mail. If you prefer that we do not share this information, you may opt-out by emailing us at support@abpdigital.in, reach out to us here. Or write to us at: ABP Pvt. Ltd. 6, Prafulla Sarkar St. Kolkata-700001, West Bengal, India.
Please include your account number and phone number in the body of your email or letter, and include "Opt-out" in the subject line.
We may share information about attendees to our live events with sponsors or other third parties. If so, we will notify you when you provide us the information.
Service Providers
We contract with other companies to provide services on our behalf, including credit-card and billing processing, ad serving, shipping, email distribution, list processing and analytics or promotions management. We provide these companies only with the information they need to perform their services. These service providers are restricted from using personal information in any way other than to provide services for ABP, and they may not share, resell or use the data for their own direct marketing purposes.
We reserve the right to disclose your opt-out information to third parties so they can suppress your name from future solicitations, in accordance with applicable laws. We may occasionally release personal information as required by law, for example, to comply with a court order or subpoena.
HOW DO I CHANGE OR UPDATE MY PERSONAL INFORMATION?
Manage Your ABP Account in the My Account Area. You may review and update your ABP membership or account information and access your transaction history in the My Account area. We will respond to inquiries regarding deletion of data within a reasonable timeframe.
Data Retention. We will retain your information for at least as long as your account is active, as needed to provide you services or as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. As a matter of course, we will delete personally identifiable information associated with accounts that have been inactive for at least 15 years.
HOW DO I OPT-OUT?
If, at any time, you prefer not to receive email marketing information from us, simply follow the unsubscribe options at the bottom of each email.
If you experience difficulty with the unsubscribe process, feel free to contact us at support@abpdigital.in and provide your email address along with the name of the newsletter from which you would like to unsubscribe.
Mail or Telephone Promotions
If, at any time, you prefer not to receive mail or telephone solicitations originated by ABP Home Delivery Department, or if you prefer that we do not share this information with third parties for marketing purposes, please email us at support@abpdigital.in or write to us at ABP Pvt. Ltd. 6, Prafulla Sarkar St. Kolkata-700001, West Bengal, India. Please include your account number and phone number in the body of your email or letter, and put "Opt-out" in the subject line.
It is further provided that if you wish ABP to delete your data provided by you to ABP you are requested to send an email to support@abpdigital.in by expressly stating that the data provided by you be deleted. However ABP can only delete the data you provided to ABP and this deletion shall in no manner deem to be deletion of your data that you may have provided to your linked third party social media accounts.
Use of Third Party Personal Information
If you choose to use "email this article" or give a Gift subscription, we require the recipient's name and email address. We will automatically send them a one-time email about the service. ABP does not store this information.
IS MY INFORMATION PROTECTED?
To prevent unauthorized access, maintain data accuracy and ensure the appropriate use of information, we have put in place commercially reasonable physical, technical and administrative controls to protect the information. Please note that no method of transmission over the internet, or method of electronic storage, is 100% secure.
OTHER INFORMATION
Compliance With Legal Process
We may access, preserve and disclose personal information if we are required to do so by law or we have a good faith belief that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of ABP; or (4) protect the personal safety or property of our users or the public (among other things, this means that if you provide false information or attempt to pose as someone else, information about you may be disclosed as part of any investigation into your actions).
Changes to This Policy
We evaluate this privacy policy periodically in light of changing business practices, technology and legal requirements. As a result, it is updated from time to time. Any such changes will be posted on this page. If we make a significant or material change in the way we use or share your personal information, you will be notified via email and/or prominent notice.