Refund Policy

General ("our", "us", "we", "Website", " Sparsh InfoSystem ", " Sparsh InfoSystem’s mobile applications") is committed to the protection of Information provided by the users ("you", "your", "users") to us. You agree that your use of Sparsh InfoSystem’s services or our interface implies your consent to the collection and use of your Information in accordance with the terms of this Privacy Policy ("Privacy Policy").

We take the privacy of our users seriously. We are committed to safeguarding the privacy of our users while providing a personalised and valuable service. In addition to this Privacy Policy, we have taken the following steps to further safeguard your privacy:

Sparsh InfoSystem to protect your Information regardless of where the data resides. Depending upon where you live, the Rules may provide additional privacy rights through your local privacy regulator or government. For more information about our Rules, including information on how to contact us with any questions, write to us at

Information Collected

Traffic Data Collected

We automatically track and collect the following categories of information when you visit our Website:

IP addresses;

Domain servers;

Types of computers accessing the Website;

Types of web browsers used to access the Website;

Other information associated with the interaction of your browser and the Website (collectively "Traffic Data").

Information Collected from You

In order for you to access certain areas of the Website, we may require you to provide us with certain information ("Personal Information"). Personal Information includes the following information:

Your full name, address, e-mail address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request; Details of any transactions you carry out through our Website using your Sparsh InfoSystem account and of the fulfilment of your requests; Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number "TAN" and password, available balance and transaction history of your bank account), ITR, TAX certificates or any other income documents as necessary by us; Details of any credit, debit or other card used by you for transactions; Your participation in any promotion sponsored by us; Correspondence that you send us; Calls that we make to you or you make to us; Surveys that you complete through the Website or based on our request; Information collected through cookies. Your IP address, log-in times, operating system and browser type; and Details of your visits to our Website including, but not limited to, Traffic Data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access whilst visiting our Website.

In order to fulfil our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies ("Third Party Information"), including your financial history, court judgements and bankruptcies, from credit reference and fraud prevention agencies when you open a Sparsh InfoSystem account and at any time when we feel it is necessary to prevent fraud and minimise our financial risks.