Terms and Conditions

Overview:

Thank you for visiting Kotak MoneyWatch Community website. We are pleased to offer an insightful and quality content while making sure of the security of our visitors. We have following online information practices and ways to collect information about our visitors and its usage on the site.

By using Kotak MoneyWatch Community website you agree to adhere to our Terms & Conditions (hereinafter referred to as T&Cs). If you do not wish to agree to T&Cs we kindly request you to not to use this website. Changes/updates in the T&Cs will be posted at this very page on Kotak MoneyWatch website and will come in effect as soon as updated. By using www.kotakmoneywatch.com you agree to the changes to this T&Cs and its regular updates.

Kotak MoneyWatch Community website is owned by Kotak Mahindra Bank Limited (hereinafter referred to as “Kotak Mahindra Bank”) and is being maintained by Perfios Software Solutions Private Limited (hereinafter referred to as “Alliance Partner”)

Information Collection:

T&Cs agreed by you (the user) permits us to use the information provided by you while on our website in any manner which we deem fit.  

Kotak MoneyWatch Community website may have several engagements which may ask you to provide certain personal identity information about yourself. For e.g. you may enter comments on the articles published on the website, vote in polls, enter contests, subscribe to various services, and/or voluntarily register on the website.  The types of personal identity information that may be collected on Kotak MoneyWatch Community website include your name, email address, telephone number, address, demographic information, and information about your interests and behaviors. You can exercise your free will and decide whether to provide such information. But if you choose not to provide the information we request, you may be unable to access certain services, offers, and/or content on Kotak MoneyWatch Community website.

Kotak MoneyWatch community website may also collect certain non-personal identity information when you visit many of our web pages such as the type of operating system you are using, the type of browser you are using, access from country and the domain name of your Internet service provider.

Information Use:

Information provided through various engagements on Kotak MoneyWatch Community website will be used for the purpose for which such information was provided. We may also use the information to contact you when necessary, through social media or email for the purpose of providing you with the gist of content from the website which might be relevant to you, to perform site administration and/or to perform certain users/trend analysis. You will have option to opt out of receiving future communications from KotakMoneyWatch.com and other affiliated entities by following the instructions stated in the opt-out section on the website or in the mail.

We will never share, sell or rent your personal identity information provided to us to other parties in any way other than what is disclosed in this T&Cs.

In special circumstances, however, we reserve the rights to disclose personal identity information in cases when we believe that disclosing the information is absolutely necessary to either contact, or identify, or bring legal action against someone who may be causing injury or interfering with our site, other users of the community, or anyone else who could be harmed by such activities, or where we are mandated to do so by a legal court order or forces of law or to enforce our rights.

Third-party sites and sponsors:

Kotak MoneyWatch Community website may contain links to other informative articles/blogs/videos hosted on other websites whose Privacy Policies and information rules might be different than ours. When accessing information on these websites we request you to consult the Privacy Policies of the individual websites. Also we will not have any control over the information that is submitted to, or collected by, these third parties. These sites might run contests, polls, or promotions that are sponsored by or co-sponsored with other identified third parties.

Such third party sites may further have sponsors who may also obtain certain personal identity information that visitors may voluntarily submit during the contest, poll, or promotions. Such third party sites  also may not have any control over the third-party sponsor’s use of the visitors’ information.

Use of IP Addresses:

For security purposes we will collect IP addresses for all of our visitors. These IP addresses will generally be used for administrative purposes or in case of problems with the server for debugging/diagnosing the problem.

Cookies:

Cookies enhance your experience on our site and some of our webpages might leave cookies on your computers. Cookies are type of text files which will store your preferences and some other data. Cookies, by themselves, do not tell us your email address or other personal identity information unless you choose to provide this information to us by, for example, signing up for our weekly email updates or leaving a comment on a blog/article. However, once you choose to furnish the site with personal identity information, this may be linked to the data stored in the cookie.

We use cookies to understand site usage and to improve the content and offerings on our site. For example, we may use cookies to personalize your experience at our web pages.

By visiting the website you acknowledge, accept and expressly authorize us for the placement of cookies on your computer.

Should we ever allow third parties to advertise on our site, some of these third parties may use cookies. We will have no access to or control over these cookies.

Public forums:

Kotak MoneyWatch Community website has provisions to make Google hangouts, chat sessions, forums, polls, blogs, classifieds, and/or newsgroups available to its users/visitors. Information shared on any of these engagements becomes public information and you should exercise caution in deciding the extent of personal identity information to be shared on these.

Information on this website:

The information contained on Kotak MoneyWatch Community website is not intended to provide any specific investment, legal, accounting, financial, or tax advice to individuals or entities, and shouldn't be relied on or used for any such purposes. You shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of such information, content, materials, services available from or through this website. If you are downloading, printing or copying from this website must be for noncommercial, personal use only. 

Accuracy of the Information & changes:

Kotak Mahindra Bank does not guarantee the facts and information on this website. We believe they are to be complete and up-to-date. Kotak Mahindra Bank reserves the right to modify the information on this website at any time without notice. Any such modification will be effective immediately upon posting and your continued use of this website will mean that you accept these changes.

Opt-out of communications:

Every email message sent to the id registered with us will contain the steps to OPT OUT of the communication system. You may opt out of receiving any communications from Kotak MoneyWatch from our affiliated entities and from us by sending an email to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact us:

All questions/ issues/ queries / complaints / grievances relating to the content/engagements on Kotak MoneyWatch Community website, if any, shall be addressed to the Alliance Partner at This email address is being protected from spambots. You need JavaScript enabled to view it.

If you have any feedback/issues/queries/questions about this T&Cs, the details of this site or its practices, or your interactions with this site, please send an email to This email address is being protected from spambots. You need JavaScript enabled to view it. with your contact details.

You agree that you will not use this website for any purpose that is unlawful, or prohibited by these Website Usage Terms. You also agree you will not use this website in any manner that could damage, disable or impair the website or interfere with any other party's use or enjoyment of the website.

Policy for commenting on blogs/article and other engagements:

Kotak MoneyWatch Community website is open to all, and we stress on being a positive community. We don’t want this community or its members to engage in personal attacks, hate speeches, political propagandas, sexually explicit content, defamatory speeches or threats. If we find such content posted by any user, we will be taking  strict action against the person or the group including banning him from the community or even initiate legal action.

If you find any kind of offensive material/content on website, please let us know immediately by sending a mail to This email address is being protected from spambots. You need JavaScript enabled to view it. .

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