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Revisão pode soprar a perda de stop precisa de serviços de forex in usd usd, você está feliz forex os sistemas de negociação pokemon trading forex. Serviços. Ricordare e. Vkc forex cartão de visita login smalfi sistema de negociação o que cedar opção binária reviewTerms amp Condições BEM-VINDO À ESSEL FINANCE VKC FOREX POLÍTICA DE PRIVACIDADE. Essel Finance VKC Limited sabe que você se preocupa com a forma como as informações sobre você é usado e compartilhado e nós apreciamos a sua confiança em nós para fazer isso com cuidado e sensatez. Esta política descreve a política privada da Essel Finance VKC. Esta Política de Privacidade destina-se a ajudá-lo a compreender os dados que recolhemos, por que os recolhemos eo que fazemos com ele. Isso é importante, esperamos que você aproveite o tempo para lê-lo cuidadosamente. Ao visitar o site Essel Finance VKC (esselforex), você está aceitando e concordando com as práticas descritas nesta política de privacidade. COLETA DE INFORMAÇÕES PESSOAIS Coletamos as informações das seguintes maneiras: Quando você faz um pedido ou compra de nosso site ou através de nossa equipe de atendimento ao cliente - por e-mail, carta, fax, telefone ou loja física. Quando utiliza os nossos serviços ou visualiza o conteúdo fornecido pela Essel Finance VKC, recolhemos e armazenamos automaticamente determinadas informações nos registos de um servidor. Quando você se envolver conosco em qualquer evento online ou offline, promoções, página hospedada por nós em uma plataforma de terceiros ou local. USO DE INFORMAÇÕES PESSOAIS Podemos usar informações pessoais para enviar notificações e comunicações importantes sobre nossos produtos e serviços aproveitados ou alterações nos termos e condições e políticas. Quando você envia sua reserva ou solicita-nos, você concorda que podemos usar e transferir suas informações pessoais. Ao usar este site, você nos autoriza a entrar em contato com você por e-mail ou telefone nos seus dados de contato fornecidos acima e oferecer-lhe informações e serviços para o produto que você optou por. Você nos autoriza a chamá-lo para o referido objetivo por um período de até 30 a 60 dias, independentemente de você estar registrado no registro NDNC. (I) Para processamento interno e externo Nós fornecemos informações pessoais aos nossos parceiros de negócios para processá-las para nós, com base em nossas instruções e em conformidade com nossa Política de Privacidade e quaisquer outras medidas de segurança e confidencialidade apropriadas. (Ii) Por razões legais Vamos usar as informações para fornecer a agências governamentais como RBI, etc Bancos, de acordo com as leis do país. Também compartilharemos informações pessoais com organizações ou indivíduos fora da Essel Finance VKC se tivermos uma crença de boa fé de que o acesso, uso, preservação ou divulgação da informação é razoavelmente necessário para: atender a qualquer lei aplicável, regulação, processo legal ou Solicitação governamental exeqüível. Aplicar os Termos de Serviço aplicáveis, incluindo a investigação de potenciais violações. Detectar, prevenir ou resolver fraudes, segurança ou questões técnicas. Proteger contra danos aos direitos, propriedade ou segurança da Essel Finance VKC, nossos usuários ou o público, conforme exigido ou permitido por lei. Como é de se esperar, a Essel Finance VKC deve cooperar com as autoridades legais e pode, em algumas circunstâncias, ser obrigada a revelar informações de identificação pessoal em resposta a pedidos de autoridades policiais ou em resposta a uma intimação ou outro processo legal. Não esperamos que isso aconteça, mas se isso acontecer, forneceremos apenas as informações necessárias. Em outras palavras, não iremos simplesmente entregar nossa base de dados em resposta a uma exigência legal específica. Recolhemos informações das seguintes maneiras: Trabalhamos duro para proteger a Essel VKC e nossos usuários contra acesso não autorizado ou alteração, divulgação ou destruição não autorizada de informações que possuímos. Em particular: Criptografar muitos de nossos serviços usando SSL. Revisamos nossas práticas de coleta, armazenamento e processamento de informações, incluindo medidas de segurança, para evitar o acesso não autorizado a sistemas. Restringimos o acesso a informações pessoais aos funcionários da Essel VKC, aos bancos e agentes que precisam saber essas informações para processá-las para nós. COOKIES E OUTRAS TECNOLOGIAS Nós e nossos parceiros usamos várias tecnologias para coletar e armazenar informações quando você visita um serviço do Google, o que pode incluir o uso de cookies ou tecnologias semelhantes para identificar seu navegador ou dispositivo. Também usamos essas tecnologias para coletar e armazenar informações quando você interage com os serviços que oferecemos aos nossos parceiros. Tecnologias como: cookies, beacons, tags e scripts são usadas pela Essel Finance VKC e nossos parceiros (como publicidade, marketing e análise), afiliados ou analíticos ou prestadores de serviços. Essas tecnologias podem ser usadas na análise de tendências, na administração dos Sites, no rastreamento dos movimentos dos usuários nos Sites e na coleta de informações demográficas sobre a nossa base de usuários como um todo. Podemos receber relatórios baseados no uso dessas tecnologias por essas empresas em um indivíduo, bem como base agregada. Nossos parceiros também podem usar essas tecnologias para fornecer anúncios para você, conforme descrito abaixo. Embora respeitemos a privacidade de nossos usuários, não podemos responder aos sinais de Não acompanhar definidos pelo seu navegador neste momento. Usamos cookies para lembrar as configurações dos usuários, bem como para autenticação e análise. Os usuários podem controlar o uso de cookies no nível do navegador individual. Se você rejeitar cookies, você ainda pode usar nossos Sites, mas sua capacidade de usar alguns recursos ou áreas de nossos Sites pode ser limitada. INFORMAÇÕES DO ARQUIVO DE REGISTRO: As informações do arquivo de registro são automaticamente relatadas pelo seu navegador ou aplicativo móvel cada vez que você acessa nossos Sites ou O serviço Essel Finance VKC. Por exemplo, quando acede aos nossos Sites ou ao Serviço VKC da Essel Finance, os nossos servidores registram automaticamente determinadas informações que o seu web browser envia sempre que visita um Website. Esses logs do servidor podem incluir informações como solicitação da Web, endereço IP, tipo e idioma do navegador, provedor de serviços de Internet (ISP), páginas de saída e URLs, nomes de domínio, páginas de destino e outras informações. Não vinculamos esses dados coletados automaticamente a informações de identificação pessoal. Trabalhamos arduamente para proteger a Essel Finance VKC e os nossos utilizadores contra o acesso não autorizado a, alteração não autorizada, divulgação ou destruição de informações que possuímos. Em particular: Criptografamos muitos de nossos serviços usando o SSL Revisamos nossas práticas de coleta, armazenamento e processamento de informações, incluindo medidas de segurança, para evitar o acesso não autorizado a sistemas. Restringimos o acesso a informações pessoais aos funcionários da Essel Finance VKC, aos bancos e agentes que precisam saber essas informações para processá-las para nós. Embora nenhum sistema seja completo, incluindo o nosso, continuaremos usando procedimentos de segurança da Internet para garantir que seus dados permaneçam seguros conosco. ACESSO ÀS INFORMAÇÕES PESSOAIS Sempre que utilizar os nossos serviços, pretendemos fornecer-lhe acesso às suas informações pessoais. Se essas informações estiverem erradas, nós nos esforçamos para oferecer maneiras de atualizá-lo rapidamente ou excluí-lo - a menos que a Essel Finance VKC tenha que manter essas informações para fins comerciais ou legais legítimos. Essel Finance VKC pode rejeitar pedidos que sejam irracionalmente repetitivos, exigir esforço técnico desproporcionado, comprometer a privacidade de terceiros ou ser extremamente impraticável, ou para os quais o acesso não é exigido pela lei local. Onde podemos fornecer acesso à informação e correção, faremos isso de graça, exceto onde isso exigiria um esforço desproporcional. Você pode enviar e-mails para solicitações de acesso, correção ou exclusão enviando um e-mail para nós. LINK A OUTROS SITES: Nós não somos responsáveis ​​pelas práticas empregadas por sites ou serviços ligados ou a partir do Serviço ou Sites da Essel Finance VKC, incluindo as informações ou conteúdos nele contidos. Lembre-se de que quando você usa um link para ir do Serviço Essel Finance VKC ou Sites para outro site ou serviço, nossa Política de Privacidade não se aplica a sites ou serviços de terceiros. Sua navegação e interação em qualquer site ou serviço de terceiros, incluindo aqueles que têm um link ou anúncio em nosso site, estão sujeitos a essas regras e políticas próprias. Por favor, tome tempo para aprender sobre eles também. Widgets de mídia social: Nosso site inclui recursos de mídia social, como o botão "Como o Facebook" e outros widgets, que são exibidos em nosso site. Esses recursos podem coletar seu endereço IP e qual página você está visitando em nosso Site e pode definir um cookie para ativar o recurso para funcionar corretamente. Os recursos de mídia social e os widgets são hospedados por terceiros ou hospedados diretamente em nosso Site. Suas interações com esses recursos são regidas pela política de privacidade da organização que o fornece. MUDANÇA PARA ESTA POLÍTICA DE PRIVACIDADE Nossa Política de Privacidade pode mudar de tempos em tempos. Não reduziremos os seus direitos ao abrigo desta Política de Privacidade sem o seu consentimento explícito. Publicaremos quaisquer alterações de política de privacidade nesta página e, se fizermos alterações materiais, daremos a você a oportunidade de alterar ou cancelar seu registro. Lei aplicável e jurisdição: Esta política de privacidade deve ser interpretada e regida em todos os aspectos pelas leis da Índia. Você concorda irrevogavelmente que, para decidir quaisquer disputas, diferenças, controvérsias, reclamações ou questões decorrentes ou relacionadas com esta política de privacidade (Dispute), os tribunais de Mumbai terão jurisdição exclusiva e nenhum outro tribunal terá a jurisdição de entreter e tentar Quaisquer Disputas decorrentes e fora da presente política de privacidade. Termos de Uso Este site é oferecido a você condicionado à sua aceitação sem modificação dos termos, condições e avisos aqui contidos. A utilização deste Web site constitui o seu acordo a todos os termos, condições e avisos que estão sujeitos a alterações sem aviso prévio. Você concorda em clicar nos links e familiarizar-se com os Termos de Uso e outros termos e diretrizes encontrados ao longo deste site e cumpri-los se você optar por usar os sites, páginas ou serviços aos quais eles se aplicam. Limitação de uso pessoal e não comercial Este site é para seu uso pessoal e não-comercial. Você não irá modificar, copiar, distribuir, transmitir, exibir, executar, reproduzir, publicar, licenciar, criar trabalhos derivados, transferir ou vender qualquer informação, software, produtos ou serviços obtidos deste site. Links para sites de terceiros Este site pode conter links para sites operados por terceiros que não sejam a Essel Finance VKC. Esses links são fornecidos apenas para sua conveniência. Essel Finance VKC não controla esses sites, e não é responsável pelo seu conteúdo sob quaisquer circunstâncias. Essel Finance VKCs a inclusão de links para esses sites não implica qualquer endosso do material em tais sites da Web ou qualquer associação com seus operadores. Sua correspondência ou negócios com ou participação em atividades como, mas não limitado a promoções encontradas em ou através de tais sites são exclusivamente entre você e essas partes. Você concorda que a Essel Finance VKC não será responsável por qualquer perda ou dano de qualquer tipo incorrido como resultado de tais negociações ou como resultado da presença de tais links no website da Essel Finance VKC. Nenhuma utilização ilegal ou proibida Como condição para o uso deste Web site, você garante à Essel Finance VKC que não utilizará este Web site para qualquer finalidade que seja ilegal ou proibida por estes termos, condições e avisos. Software disponível neste site Qualquer software disponibilizado para download a partir deste site (Software) é o trabalho protegido por direitos autorais da Essel Finance VKC e / ou de seus fornecedores. O uso do Software é regido pelos termos do contrato de licença de usuário final, se houver, que acompanha ou está incluído no Software (Contrato de Licença). Você não instalará nem usará nenhum Software que seja acompanhado por ou inclua um Contrato de Licença, a menos que você primeiro concorde com os termos do Contrato de Licença. Para qualquer Software não acompanhado de um contrato de licença, a Essel Finance VKC concede a você, o usuário, uma licença pessoal e intransferível para usar o Software para visualização e uso deste site de acordo com estes termos e condições. Nenhuma outra finalidade, desde que você mantenha intactos todos os direitos autorais e outros avisos de propriedade. Observe que todos os Software, incluindo, sem limitação, todos os códigos-fonte contidos neste site, são propriedade da Essel Finance VKC e / ou de seus fornecedores e estão protegidos por leis de direitos autorais e disposições de tratados internacionais. Qualquer reprodução ou redistribuição do Software é expressamente proibida por lei e pode resultar em severas penalidades civis e criminais. Os infratores serão processados ​​na máxima extensão possível. SEM LIMITAR O PREVISTO, COPIAR OU REPRODUÇÃO DO SOFTWARE PARA QUALQUER OUTRO SERVIDOR OU LOCAL PARA UMA REPRODUÇÃO OU REDISTRIBUIÇÃO ADICIONAL É EXPRESSAMENTE PROIBIDO. O SOFTWARE ESTÁ GARANTIDO, SE APENAS, SOMENTE DE ACORDO COM OS TERMOS DO CONTRATO DE LICENÇA. Você reconhece que o Software, e qualquer documentação acompanhante e / ou informações técnicas, está sujeito às leis e regulamentos de controle de exportação aplicáveis ​​da ÍNDIA. Você concorda em não exportar ou reexportar o Software, direta ou indiretamente, para países sujeitos a restrições de exportação INDIANAS. A Essel Finance VKC disponibilizou esta facilidade para você como um serviço de valor agregado. Usando este serviço, você pode fazer a sua reserva online bookingbooking para a reserva de vários serviços oferecidos pela Essel Finanças VKC. O pedido de reserva será processado para confirmação de preços e disponibilidade de serviços solicitados por você. Somente com a confirmação dos preços e disponibilidade, a Essel Finance VKC será obrigada a fornecer-lhe os serviços solicitados sujeitos, contudo, a você efetuando o pagamento integral e cumprindo os termos e condições relevantes. Qualquer correspondência com, antes de Essel Finance VKC, confirmação acima mencionada, não será tratada como qualquer aceitação do seu pedido. A reserva online dos produtos e serviços disponibilizados através deste website está sujeita à disponibilidade e exclusivamente a critério da Essel Finance VKC e / ou de seus respectivos fornecedores. Certifique-se de que todas as informações fornecidas por você durante a reserva estão corretas. Por razões de segurança e para poder aconselhá-lo sobre quaisquer desenvolvimentos que afetem sua viagem, precisamos poder contatá-lo por telefone e e-mail e ter seu endereço correto registrado. Se algum ou todos esses detalhes de contato não forem dados corretamente por você, reservamo-nos o direito de cancelar a transação por sua conta e risco. O direito de acesso e transação no site é reservado como é o direito de usar qualquer cartão de crédito particular no site para fins de pagamento. TERMOS E CONDIÇÕES ESPECIAIS PARA A TRANSAÇÃO A Taxa de Conveniência cobrada durante qualquer transação será NÃO REEMBOLSÁVEL. I Nós certificamos que a despesa para a viagem acima nasceu por meus e Iwe se comprometem a que o mesmo será utilizado de acordo com as diretrizes da FEMA. Iwe confirma que a moeda estrangeira aplicada para esta viagem não excede US $ 10000 - eo quantum de moeda não excede USD 3000 - ou seu equivalente por pessoa (conforme prescrito pela RBI de tempos em tempos de acordo com as diretrizes da FEMA). (Em caso de visita de negócios o USD 10000 deve mudar para USD 25000. A moeda estrangeira comprado por meus é apenas para fins de viagens de lazer (visita privada) também. Nós também concordamos e nos comprometemos a fornecer os documentos de informação que irá razoavelmente satisfazê-lo sobre Esta transação em termos da declaração acima. Também assumimos que, se recusar-se a cumprir qualquer tal exigência ou fazer apenas o cumprimento insatisfatório com Essel Finanças VKC Forex Limited se recusará por escrito a realizar essa transação. Esta transação está sujeita à disponibilidade de A moeda mencionada aqui. Se a moeda necessária não estiver disponível, o mesmo será comunicado ao nosso representante. Na sua confirmação, a transação pode ser dada na outra moeda. Por favor, permita-nos 48 horas de trabalho para entregar a moeda da transação. As entregas não serão possíveis aos domingos e feriados. Em caso de litígio, a decisão da Essel Finance VKC Forex Ltd Ser definitiva e vinculativa. A disputa aqui será sujeita à jurisdição dos tribunais em Mumbai, Índia. Este acordo será regido pelas leis da República da Índia. Não há cancelamentos permitidos para este produto. Qualquer depósito em dinheiro direto na Essel Finance VKC Forex Ltd. A conta bancária não é permitida e será perdida. Este site é oferecido a você condicionado à sua aceitação sem modificação dos termos, condições e avisos contidos neste documento. A utilização deste Web site constitui o seu acordo a todos os termos, condições e avisos que estão sujeitos a alterações sem aviso prévio. Você concorda em clicar nos links e familiarizar-se com os Termos de Uso e outros termos e diretrizes encontrados ao longo deste site e cumpri-los se você optar por usar os sites, páginas ou serviços aos quais eles se aplicam. Termos amp Condições BEM-VINDO À POLÍTICA DE PRIVACIDADE DA ESSEL FINANCE VKC FOREX. Essel Finance VKC Limited sabe que você se preocupa com a forma como as informações sobre você é usado e compartilhado e nós apreciamos a sua confiança em nós para fazer isso com cuidado e sensatez. Esta política descreve a política privada da Essel Finance VKC. Esta Política de Privacidade destina-se a ajudá-lo a compreender os dados que recolhemos, por que os recolhemos eo que fazemos com ele. Isso é importante, esperamos que você aproveite o tempo para lê-lo cuidadosamente. Ao visitar o site Essel Finance VKC (esselforex), você está aceitando e concordando com as práticas descritas nesta política de privacidade. COLETA DE INFORMAÇÕES PESSOAIS Coletamos as informações das seguintes maneiras: Quando você faz um pedido ou compra de nosso site ou através de nossa equipe de atendimento ao cliente - por e-mail, carta, fax, telefone ou loja física. Quando utiliza os nossos serviços ou visualiza o conteúdo fornecido pela Essel Finance VKC, recolhemos e armazenamos automaticamente determinadas informações nos registos de um servidor. Quando você se envolver conosco em qualquer evento online ou offline, promoções, página hospedada por nós em uma plataforma de terceiros ou local. USO DE INFORMAÇÕES PESSOAIS Podemos usar informações pessoais para enviar notificações e comunicações importantes sobre nossos produtos e serviços aproveitados ou alterações nos termos e condições e políticas. Quando você envia sua reserva ou solicita-nos, você concorda que podemos usar e transferir suas informações pessoais. Ao usar este site, você nos autoriza a entrar em contato com você por e-mail ou telefone nos seus dados de contato fornecidos acima e oferecer-lhe informações e serviços para o produto que você optou por. Você nos autoriza a chamá-lo para o referido objetivo por um período de até 30 a 60 dias, independentemente de você estar registrado no registro NDNC. (I) Para processamento interno e externo Nós fornecemos informações pessoais aos nossos parceiros de negócios para processá-las para nós, com base em nossas instruções e em conformidade com nossa Política de Privacidade e quaisquer outras medidas de segurança e confidencialidade apropriadas. (Ii) Por razões legais Vamos usar as informações para fornecer a agências governamentais como RBI, etc Bancos, de acordo com as leis do país. Também compartilharemos informações pessoais com organizações ou indivíduos fora da Essel Finance VKC se tivermos uma crença de boa fé de que o acesso, uso, preservação ou divulgação da informação é razoavelmente necessário para: atender a qualquer lei aplicável, regulação, processo legal ou Solicitação governamental exeqüível. Aplicar os Termos de Serviço aplicáveis, incluindo a investigação de potenciais violações. Detectar, prevenir ou resolver fraudes, segurança ou questões técnicas. Proteger contra danos aos direitos, propriedade ou segurança da Essel Finance VKC, nossos usuários ou o público, conforme exigido ou permitido por lei. Como é de se esperar, a Essel Finance VKC deve cooperar com as autoridades legais e pode, em algumas circunstâncias, ser obrigada a revelar informações de identificação pessoal em resposta a pedidos de autoridades policiais ou em resposta a uma intimação ou outro processo legal. Não esperamos que isso aconteça, mas se isso acontecer, forneceremos apenas as informações necessárias. Em outras palavras, não iremos simplesmente entregar nossa base de dados em resposta a uma exigência legal específica. Recolhemos informações das seguintes maneiras: Trabalhamos duro para proteger a Essel VKC e nossos usuários contra acesso não autorizado ou alteração, divulgação ou destruição não autorizada de informações que possuímos. Em particular: Nós criptografar muitos de nossos serviços usando SSL. Revisamos nossas práticas de coleta, armazenamento e processamento de informações, incluindo medidas de segurança, para evitar o acesso não autorizado a sistemas. Restringimos o acesso a informações pessoais aos funcionários da Essel VKC, aos bancos e agentes que precisam saber essas informações para processá-las para nós. COOKIES E OUTRAS TECNOLOGIAS Nós e nossos parceiros usamos várias tecnologias para coletar e armazenar informações quando você visita um serviço do Google, o que pode incluir o uso de cookies ou tecnologias semelhantes para identificar seu navegador ou dispositivo. Também usamos essas tecnologias para coletar e armazenar informações quando você interage com os serviços que oferecemos aos nossos parceiros. Tecnologias como: cookies, beacons, tags e scripts são usadas pela Essel Finance VKC e nossos parceiros (como publicidade, marketing e análise), afiliados ou analíticos ou prestadores de serviços. Essas tecnologias podem ser usadas na análise de tendências, na administração dos Sites, no rastreamento dos movimentos dos usuários nos Sites e na coleta de informações demográficas sobre a nossa base de usuários como um todo. Podemos receber relatórios baseados no uso dessas tecnologias por essas empresas em um indivíduo, bem como base agregada. Nossos parceiros também podem usar essas tecnologias para fornecer anúncios para você, conforme descrito abaixo. Embora respeitemos a privacidade de nossos usuários, não podemos responder aos sinais de Não acompanhar definidos pelo seu navegador neste momento. Usamos cookies para lembrar as configurações dos usuários, bem como para autenticação e análise. Os usuários podem controlar o uso de cookies no nível do navegador individual. Se você rejeitar cookies, você ainda pode usar nossos Sites, mas sua capacidade de usar alguns recursos ou áreas de nossos Sites pode ser limitada. INFORMAÇÕES DO ARQUIVO DE REGISTRO: As informações do arquivo de registro são automaticamente relatadas pelo seu navegador ou aplicativo móvel cada vez que você acessa nossos Sites ou O serviço Essel Finance VKC. Por exemplo, quando acede aos nossos Sites ou ao Serviço VKC da Essel Finance, os nossos servidores registram automaticamente determinadas informações que o seu web browser envia sempre que visita um Website. Esses logs do servidor podem incluir informações como solicitação da Web, endereço IP, tipo e idioma do navegador, provedor de serviços de Internet (ISP), páginas de saída e URLs, nomes de domínio, páginas de destino e outras informações. Não vinculamos esses dados coletados automaticamente a informações de identificação pessoal. Trabalhamos arduamente para proteger a Essel Finance VKC e os nossos utilizadores contra o acesso não autorizado a, alteração não autorizada, divulgação ou destruição de informações que possuímos. Em particular: Criptografamos muitos de nossos serviços usando o SSL Revisamos nossas práticas de coleta, armazenamento e processamento de informações, incluindo medidas de segurança, para evitar o acesso não autorizado a sistemas. Restringimos o acesso a informações pessoais aos funcionários da Essel Finance VKC, aos bancos e agentes que precisam saber essas informações para processá-las para nós. Embora nenhum sistema seja completo, incluindo o nosso, continuaremos usando procedimentos de segurança da Internet para garantir que seus dados permaneçam seguros conosco. ACESSO ÀS INFORMAÇÕES PESSOAIS Sempre que utilizar os nossos serviços, pretendemos fornecer-lhe acesso às suas informações pessoais. Se essas informações estiverem erradas, nós nos esforçamos para oferecer maneiras de atualizá-lo rapidamente ou excluí-lo - a menos que a Essel Finance VKC tenha que manter essas informações para fins comerciais ou legais legítimos. Essel Finance VKC pode rejeitar pedidos que sejam irracionalmente repetitivos, exigir esforço técnico desproporcionado, comprometer a privacidade de terceiros ou ser extremamente impraticável, ou para os quais o acesso não é exigido pela lei local. Onde podemos fornecer acesso à informação e correção, faremos isso de graça, exceto onde isso exigiria um esforço desproporcional. Você pode enviar e-mails para solicitações de acesso, correção ou exclusão enviando um e-mail para nós. LINK A OUTROS SITES: Nós não somos responsáveis ​​pelas práticas empregadas por sites ou serviços ligados ou a partir do Serviço ou Sites da Essel Finance VKC, incluindo as informações ou conteúdos nele contidos. Lembre-se de que quando você usa um link para ir do Serviço Essel Finance VKC ou Sites para outro site ou serviço, nossa Política de Privacidade não se aplica a sites ou serviços de terceiros. Sua navegação e interação em qualquer site ou serviço de terceiros, incluindo aqueles que têm um link ou anúncio em nosso site, estão sujeitos a essas regras e políticas próprias. Por favor, tome tempo para aprender sobre eles também. Widgets de mídia social: Nosso site inclui recursos de mídia social, como o botão "Como o Facebook" e outros widgets, que são exibidos em nosso site. Esses recursos podem coletar seu endereço IP e qual página você está visitando em nosso Site e pode definir um cookie para ativar o recurso para funcionar corretamente. Os recursos de mídia social e os widgets são hospedados por terceiros ou hospedados diretamente em nosso Site. Suas interações com esses recursos são regidas pela política de privacidade da organização que o fornece. MUDANÇA PARA ESTA POLÍTICA DE PRIVACIDADE Nossa Política de Privacidade pode mudar de tempos em tempos. Não reduziremos os seus direitos ao abrigo desta Política de Privacidade sem o seu consentimento explícito. Publicaremos quaisquer alterações de política de privacidade nesta página e, se fizermos alterações materiais, daremos a você a oportunidade de alterar ou cancelar seu registro. Lei aplicável e jurisdição: Esta política de privacidade deve ser interpretada e regida em todos os aspectos pelas leis da Índia. Você concorda irrevogavelmente que, para decidir quaisquer disputas, diferenças, controvérsias, reclamações ou questões decorrentes ou relacionadas com esta política de privacidade (Dispute), os tribunais de Mumbai terão jurisdição exclusiva e nenhum outro tribunal terá a jurisdição de entreter e tentar Quaisquer Disputas decorrentes e fora da presente política de privacidade. Serviços - Cheques de viagem em moeda estrangeira oferecidos Cheques pré-pagos Forex Travel Cards Remessa Serviços de facilitação Seguro de viagem Essel Finanças VKC Forex Vender e comprar todas as principais moedas estrangeiras para e de clientes de acordo com os regulamentos prescritos pelo Reserve Bank of India. Essel Finance VKC Forex oferece serviços de câmbio para visita de lazer, visita de negócios, educação, imigração, tratamento médico, etc em taxas altamente competitivas. A Essel Finance VKC Forex realiza Vendas em Vendas de Moedas Estrangeiras de Distribuidores Autorizados, FFMCs e Franchisados. Nós igualmente empreendemos a exportação ea importação de moedas estrangeiras a dos vários países em torno do mundo. Essel Finance VKC Forex é um dos Vendedores Stockists de American Express Travelers Cheques na Índia. Essel Finance VKC Forex foi entre o receptor regular de American Express Summit Award, que é dado em reconhecimento para a venda em circulação do American Express Travelers Cheques. Você pode comprar e encash seus Travelers Cheques no retorno em qualquer um dos nossos ramos mais próximos a você. Algumas das principais características de Travelers Cheques valendo são as seguintes: reembolsado geralmente dentro de 24 horas, se perdido ou roubado 24 horas por dia, 7 dias por semana apoio ao cliente Aceito em milhares de locais no mundo inteiro Nunca expirado Oferecido em uma variedade de moedas e denominações para ajudar Satisfaça as suas necessidades de fundos de viagem Aplicam-se termos, condições e restrições. Identificação e comprovante de compra. Diretrizes de Uso do Cliente: Assine cada Cheque de Viagem imediatamente após a recepção no local marcado com a Assinatura do Detentor Mantenha sempre o Recibo de Vendas (PAF) separado dos Travelers Cheques Enquanto você encaixa o countersign de Travelers Checks no canto inferior esquerdo. Entre em contato com a polícia local para hospedar a FIR para perda de TCs dentro de 24 horas. Entre em contato com o call center e informá-los dentro de 24 horas usando o número gratuito, dado no verso PAF (Formulário de Contrato de Compra) Essel Finance VKC Forex tem amarrado com HDFC Bank, Banco Axis e ICICI Bank para sua solução de cartão de viagem pré-pago. Essel Finance VKC Forex tem um cartão rotulado branco com banco de ICICI e foi co-marcado junto com banco de Eixo e banco de HDFC. Estes cartões estão disponíveis em várias moedas principais, como dólar dos EUA, Euro, Libra Esterlina, Dólar Australiano, Franco suíço, etc, Você pode entrar em contato com o nosso representante sucursal mais próximo para saber mais sobre o produto e comprar o mesmo. Aceito em mais de 20 milhões de cartões Visa Master Card Merchant Outlets em todo o mundo 24 horas de acesso a dinheiro em mais de 10.000.000 ATMs em qualquer lugar do mundo Segurança reforçada através de 4 dígitos de PIN seguro para autorizar all ATM transactions Re loadable any time Available in different currencies Add on card facility available Ease of tracking with online statements access Easy Encashment process Subject to Documentation and funds clearance As an RBI Authorised Dealer (AD Cat II), Essel Finance VKC Forex can undertake the following activities subject to RBI limits and regulations: Private Visits Business Travel Overseas Education. Medical Treatment abroad. Remittance under educational tie up arrangements with universities abroad. Visa fees. Remittance by tour operators travel agents to overseas agents principals hotels Fee for participation in global conferences and specialized training. Remittance for participation in international events competitions (towards training, sponsorship and prize money) Film Shooting Disbursement of crew wages (Cash to Master). Remittance towards fees for examinations held in India and abroad and additional score sheets for GRE, TOEFL etc. Employment and processing, assessment fees for overseas job applications. Emigration and Emigration Consultancy fees. Skills Credential assessment fees for intending migrants. Processing fees for registration of documents as required by other Governments. Registration Subscription Membership fees to International organizations. Cash to Master Essel Finance Essel Finance VKC Forex is associated with Western Union Money Gram for Inward Money Transfer Service to India to its customers. Western Union and MoneyGram are global leaders in worldwide money transfer services which makes it a safe way to send money to India. Inward Money Transfer to India is a fast, simple and convenient method to transfer money from anywhere in the world. In India, a person can only receive money through this Inward Money Transfer service. This service operates as per the guidelines issued by Reserve Bank of India. Essel Finance VKC Forex facilitates Overseas Travel insurance for customers who are in need of short-term extended period insurance specifically against travel-related emergencies and exigencies. Some of the advantages of Availing Overseas Travel Insurance Medical expenses covered outside the home country Loss of checked baggage Loss of passport Trip cancellation Trip delay Emergency cash Advance during exigencies Personal Liability Loans Available Terms and Conditions This Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices which are subject to amendment without any notice. You agree to click on the links to and familiarize yourself with the Terms of Use and other terms and guidelines found throughout this Web site and abide by them if you choose to use the sites, pages or services to which they apply. Personal and non-commercial use limitation This Web site is for your personal and non-commercial use. You will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this Web site. Links to third party sites This Web site may contain links to web sites operated by parties other than Essel Finance VKC Forex. Such links are provided for your convenience only. Essel Finance VKC Forex does not control such web sites, and is not responsible for their contents under any circumstances. Essel Finance VKC Forexs inclusion of links to such web sites does not imply any endorsement of the material on such Web sites or any association with their operators. Your correspondence or business dealings with or participation in activities such as but not limited to promotions found in or through such websites are solely between you and such parties. You agree that Essel Finance VKC Forex shall not be responsible or liable for any loss or damage of any sort incurred as a result of any such dealings or as a result of the presence of such links on Essel Finance VKC Forex website. No Unlawful or Prohibited Use As a condition of your use of this Web site, you warrant to Essel Finance VKC that you will not use this Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. Software available on this web site Any software that is made available to download from this Web site (Software) is the copyrighted work of Essel Finance VKC andor its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (License Agreement). You will not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software not accompanied by a license agreement, Essel Finance VKC hereby grants to you, the user, a personal, non-transferable license to use the Software for viewing and otherwise using this Web site in accordance with these terms and conditions, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Please note that all Software, including without limitation all Source code contained in this Web site, is owned by Essel Finance VKC andor its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. You acknowledge that the Software, and any accompanying documentation andor technical information, is subject to applicable export control laws and regulations of INDIA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to INDIAN export restrictions. Essel Finance VKC has made this facility available to you as a value-added service. Using this service, you can make your online bookingbooking request for booking various services offered by Essel Finance VKC. Your booking request will be processed for confirmation of prices and availability of services requested by you. Only on confirmation to you about the prices and availability, Essel Finance VKC will be bound to provide you the requested services subject however to you making full payment and complying with the relevant terms and conditions. Any correspondence with, you prior to Essel Finance VKC, aforesaid confirmation, will not be treated as any acceptance of your request. The online booking of the products and services made available through this website is subject to availability and solely at the discretion of Essel Finance VKC andor its respective suppliers. Please ensure that all information given by you while booking is correct. For security reasons and to be able to advice you of any developments affecting your travel we need to be able to contact you by telephone and email and to have your correct address on record. If any or all of these contact details are not correctly given by you, we reserve the right to cancel the transaction at your risk and cost. The right to access and transact on the web site is reserved as is the right to use any particular credit card on the site for payment purposes. Convenience Fee charged during any transaction shall be NON-REFUNDABLE. I We certify that the expense for the above trip is born by meus and Iwe undertake that the same will be utilized as per FEMA guidelines. Iwe confirm that the foreign exchange applied for this trip does not exceed USD 10000- and the quantum of currency does not exceed USD 3000-or its equivalent per person (as prescribed by RBI from time to time as per FEMA guidelines). (in case of business visit the USD 10000 should change to USD 25000. The foreign exchange purchased by meus is for the purpose of leisure travel (private visit) only. We also hereby agree and undertake to give such informationdocuments as will reasonably satisfy you about this transaction in terms of above declaration. We also undertake that if we refuse to comply with any such requirement or make only unsatisfactory compliance therewith Essel Finance VKC Forex Limited shall refuse in writing to undertake such transaction. These This transaction is subject to the availability of the currency mentioned herein. If the required currency is not available, the same will be communicated to you by our representative. Upon your confirmation, the transaction can be given in the other currency. Please allow us 48 working hours to deliver the transaction currency. The deliveries will not be possible on Sundays and Bank holidays. In case of any dispute, decision of Essel Finance VKC Forex Ltd will be final and binding. The dispute herein shall be subject to the jurisdiction of courts at Mumbai, India. This agreement shall be governed by laws of Republic of India. No cancellations allowed for this product. Any Direct Cash Deposits in Essel Finance VKC Forex Ltd. Bank Account is NOT permitted and shall be forfeited. This Web site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices which are subject to amendment without any notice. You agree to click on the links to and familiarize yourself with the Terms of Use and other terms and guidelines found throughout this Web site and abide by them if you choose to use the sites, pages or services to which they apply. General Terms and Conditions 1. LOANS RELATED a. Loans provided on the website are provided by Early Salary. B. All terms and conditions are at the sole discretion of Early Salary. C. Loan is provided for salaried customers only. D. Loan amount upto INR 10,000 to INR 1,00,000 will be provided. E. Currently present in 6 cities namely Mumbai, Delhi, Pune, Hyderabad, Chennai and Bangalore. f. Approval of loan is based on requirements of Early Salary g. Loan is sanctioned between Monday to Saturday between 9.30am to 6.30pm 2. PAYMENT GATEWAY CHARGE a. Payment Gateway charge is a fee also known as Merchant Service fee, and is applicable for all transactions where customer makes payment online. Currently this fee varies from one mode of payment to another and is subject to change as decided by respective Payment Gateway. B. We have partnered with a payment gateway service provider and any dispute related to payments will be subject to resolution from the payment gateway service provider 3. 5 Advance Paid - Forfeiture in case of cancellation 4. PROMO OFFERS a. Subject to change and as maybe applicable from time to time. 5. AD II RELATED TERMS CONDITIONS a. Cut off time for payments - Transaction will be processed only after clearance of payment via RTGS NEFT cheque clearance 6. REFUND POLICY For order cancelled on clients request or non-compliance, the amount will be refunded after a deduction of payment gateway charges. In case of orders placed through Partial payment request, order confirmation fee of 5 will not be refunded. 7. ATM WITHDRAWL CHARGES a. ATM withdrawal Charges are specific to each bank card. Please check the appropriate bank website for the same. General schedule of charges will also be available in the information booklet provided with the card kit. B. ATM withdrawal Charges are specific to each bank card. Please check the appropriate bank website for the same. General schedule of charges will also be available in the information booklet provided with the card kit. 8. Card offered will be of the choice of Essel Finance VKC Forex 9. RTGS NEFT All funds transferred through RTGS NEFT will be during banking hours as per terms and conditions of respective banks. 10. ENCASHMENT All encashment will be done only in favour of card holder, irrespective of payment being done by primary card holder (Regulatory Norms and Standard Operating Procedures). 11. All Foreign Exchange transactions are subject to Government Taxation, Current Service Tax incorporating all Amendments 12. CONTACT US If you have any questions about these Terms, please contact us on our Toll Free number 1800-102-0852 (Mon to Sat 9.30 AM to 6.30 PM) 13. DELIVERY Deliveries only to the area covered by Essel Forex, for location assistance call our Toll Free number 1800-102-0852(Mon to Sat 9.30 AM to 6.30 PM). We reserve the right to change, amend the scope of service area. 14. CHANGESUPDATES Essel Finance VKC Forex reserves the right, at our sole direction, to modify or replace these terms at any time, without prior notice and without assigning any reason. 15. WARRANTIES Essel Finance VKC Forex does not warrant or guarantee the accuracy or completeness of the information provided on this Website. Under no circumstances will Essel Forex be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on this information. Essel Forex shall not be liable for any damages resulting from the use or misuse of this site or the information on this site. Terms of Use This Web site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices which are subject to amendment without any notice. You agree to click on the links to and familiarize yourself with the Terms of Use and other terms and guidelines found throughout this Web site and abide by them if you choose to use the sites, pages or services to which they apply. Personal and non-commercial use limitation This Web site is for your personal and non-commercial use. You will not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this Web site. Links to third party sites This Web site may contain links to web sites operated by parties other than Essel Finance VKC Forex. Such links are provided for your convenience only. Essel Finance VKC Forex does not control such web sites, and is not responsible for their contents under any circumstances. Essel Finance VKCs Forexs inclusion of links to such web sites does not imply any endorsement of the material on such Web sites or any association with their operators. Your correspondence or business dealings with or participation in activities such as but not limited to promotions found in or through such websites are solely between you and such parties. You agree that Essel Finance VKC Forex shall not be responsible or liable for any loss or damage of any sort incurred as a result of any such dealings or as a result of the presence of such links on Essel Finance VKC Forex website. No Unlawful or Prohibited Use As a condition of your use of this Web site, you warrant to Essel Finance VKC that you will not use this Web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. Software available on this web site Any software that is made available to download from this Web site (Software) is the copyrighted work of Essel Finance VKC andor its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (License Agreement). You will not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software not accompanied by a license agreement, Essel Finance VKC hereby grants to you, the user, a personal, non-transferable license to use the Software for viewing and otherwise using this Web site in accordance with these terms and conditions, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Please note that all Software, including without limitation all Source code contained in this Web site, is owned by Essel Finance VKC andor its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. You acknowledge that the Software, and any accompanying documentation andor technical information, is subject to applicable export control laws and regulations of INDIA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to INDIAN export restrictions. General Terms and Conditions a. All encashment will be done only in favour of card holder, irrespective of payment being done by primary card holder (Regulatory Norms and Standard Operating Procedures). B. The information provided on our website is used only for the completion of services we may share this information with our partners for completion of services with whom we have lawful contracts. We ensure all data collected is completely secured and safe c. Essel Forex may amend change the usage policy for betterment of client service and safety. User is advised to review these clauses in regular interval or you may write to us for any further query d. Unauthorized use of the website may lead to a claim for damages andor be a criminal offense e. You agree and understand that you are responsible for maintaining the confidentiality of your password which together with your login e-mail address, allows you to access certain portions of the website f. If you become aware of any unauthorized use of your registration information, you agree to notify us immediately g. From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). H. Any material downloaded or otherwise obtained through the use of the website is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of any data that results from the download of any such material. Eu. The Customer shall be responsible for regularly reviewing these Terms including amendments thereto as may be posted on the Website. J. The Customer agrees to protect and fully compensate Essel Forex and their affiliates from any and all third party claims, liability, damages, expenses and costs, including, but not limited to, reasonable attorneys fees, caused by or arising from violation of the terms and conditions, infringement or infringement by any other user of Customers account, intellectual property or other right of anyone k. All rates are indicative. l. Esselforex is a service provider and does not own any of the products. m. Esselforex takes complete responsibility of servicing our clients for all transactions made through us in coordination with our service provider n. Esselforex may send newsletters, promotional messages updates to registered users when required Essel Finance VKC has made this facility available to you as a value-added service. Using this service, you can make your online bookingbooking request for booking various services offered by Essel Finance VKC. Your booking request will be processed for confirmation of prices and availability of services requested by you. Only on confirmation to you about the prices and availability, Essel Finance VKC will be bound to provide you the requested services subject however to you making full payment and complying with the relevant terms and conditions. Any correspondence with, you prior to Essel Finance VKC, aforesaid confirmation, will not be treated as any acceptance of your request. The online booking of the products and services made available through this website is subject to availability and solely at the discretion of Essel Finance VKC andor its respective suppliers. Please ensure that all information given by you while booking is correct. For security reasons and to be able to advice you of any developments affecting your travel we need to be able to contact you by telephone and email and to have your correct address on record. If any or all of these contact details are not correctly given by you, we reserve the right to cancel the transaction at your risk and cost. The right to access and transact on the web site is reserved as is the right to use any particular credit card on the site for payment purposes. Convenience Fee charged during any transaction shall be NON-REFUNDABLE. I We certify that the expense for the above trip is born by meus and Iwe undertake that the same will be utilized as per FEMA guidelines. Iwe confirm that the foreign exchange applied for this trip does not exceed USD 10000- and the quantum of currency does not exceed USD 3000-or its equivalent per person (as prescribed by RBI from time to time as per FEMA guidelines). (in case of business visit the USD 10000 should change to USD 25000. The foreign exchange purchased by meus is for the purpose of leisure travel (private visit) only. We also hereby agree and undertake to give such informationdocuments as will reasonably satisfy you about this transaction in terms of above declaration. We also undertake that if we refuse to comply with any such requirement or make only unsatisfactory compliance therewith Essel Finance VKC Forex Limited shall refuse in writing to undertake such transaction. These This transaction is subject to the availability of the currency mentioned herein. If the required currency is not available, the same will be communicated to you by our representative. Upon your confirmation, the transaction can be given in the other currency. Please allow us 48 working hours to deliver the transaction currency. The deliveries will not be possible on Sundays and Bank holidays. In case of any dispute, decision of Essel Finance VKC Forex Ltd will be final and binding. The dispute herein shall be subject to the jurisdiction of courts at Mumbai, India. This agreement shall be governed by laws of Republic of India. No cancellations allowed for this product. Any Direct Cash Deposits in Essel Finance VKC Forex Ltd. Bank Account is NOT permitted and shall be forfeited. This Web site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices which are subject to amendment without any notice. You agree to click on the links to and familiarize yourself with the Terms of Use and other terms and guidelines found throughout this Web site and abide by them if you choose to use the sites, pages or services to which they apply. Privacy Policy WELCOME TO THE ESSEL FINANCE VKC FOREX PRIVACY POLICY. Essel Finance VKC Limited knows that you care how information about you is used and shared and we appreciate your trust in us to do that carefully and sensibly. This policy describes the private policy of Essel Finance VKC. This Privacy Policy is meant to help you understand what data we collect, why we collect it, and what we do with it. This is important we hope you will take time to read it carefully. By visiting Essel Finance VKC website (esselforex), you are accepting and consenting to the practices described in this privacy policy. COLLECTION OF PERSONAL INFORMATION We collect information in the following ways: When you make a request or purchase from our website or through our customer service team - by email, letter, fax, on the phone or in physical store. When you use our services or view content provided by Essel Finance VKC, we automatically collect and store certain information in a server logs. When you engage with us in any online or offline event, promotions, page hosted by us on a third party platform or location. USE OF PERSONAL INFORMATION We may use personal information to send you important notices and communications regarding our products and services availed or changes to the terms and conditions and policies. When you submit your booking or request to us, you agree that we may use and transfer your personal information. By using this website you authorize us to contact you via email or phone on your contact details provided above and offer you information and services for the product you have opted for. You authorize us to call you for the mentioned purpose for a period of upto 30 to 60 days irrespective of whether you are registered with the NDNC registry. HOW WE USE INFORMATION WE COLLECT (i) For internal and external processing We provide personal information to our Business partners to process it for us, based on our instructions and in compliance with our Privacy Policy and any other appropriate confidentiality and security measures. (ii) For Legal reasons We will use the information to provide to government agencies like RBI, Banks etc as per the laws of the country. We will also share personal information with organizations or individuals outside of Essel Finance VKC if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to: meet any applicable law, regulation, a legal process or enforceable governmental request. enforce applicable Terms of Service, including investigation of potential violations. detect, prevent, or otherwise address fraud, security or technical issues. protect against harm to the rights, property or safety of Essel Finance VKC, our users or the public as required or permitted by law. As you might expect, Essel Finance VKC must cooperate with legal authorities, and may in some circumstances be required to disclose personally identifiable information in response to requests from law enforcement authorities, or in response to a subpoena or other legal process. We don39t expect this to happen, but if it does, we will provide only the information required. In other words, we will not simply turn over our database in response to a specific legal requirement. We collect information in the following ways: We work hard to protect Essel VKC and our users from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular: We encrypt many of our services using SSL. We review our information collection, storage and processing practices, including security measures, to guard against unauthorized access to systems. We restrict access to personal information to Essel VKC employees, Banks and agents who need to know that information in order to process it for us. COOKIES AND OTHER TECHNOLOGIES We and our partners use various technologies to collect and store information when you visit a Google service, and this may include using cookies or similar technologies to identify your browser or device. We also use these technologies to collect and store information when you interact with services we offer to our partners. Technologies such as: cookies, beacons, tags and scripts are used by Essel Finance VKC and our partners (such as advertising, marketing and analytics), affiliates or analytics or service providers. These technologies may be used in analyzing trends, administering the Sites, tracking users movements around the Sites and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by such companies on an individual as well as aggregated basis. Our partners may also use such technologies to deliver advertisements to you as described below. While we respect the privacy of our users, we are not able to respond to Do Not Track signals set by your browser at this time. We use cookies to remember users settings as well as for authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Sites, but your ability to use some features or areas of our Sites may be limited LOG FILE INFORMATION: Log file information is automatically reported by your browser or mobile application each time you access our Sites or the Essel Finance VKC Service. For example, when you access our Sites or the Essel Finance VKC Service, our servers automatically record certain information that your web browser sends whenever you visit any website. These server logs may include information such as your web request, Internet Protocol (IP) address, browser type and language, Internet Service Provider (ISP), referring exit pages and URLs, domain names, landing pages, pages viewed and other such information. We do not link this automatically-collected data to personally identifiable information. We work hard to protect Essel Finance VKC and our users from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular: We encrypt many of our services using SSL We review our information collection, storage and processing practices, including security measures, to guard against unauthorized access to systems. We restrict access to personal information to Essel Finance VKC employees, Banks and agents who need to know that information in order to process it for us. While no system is full-proof, including ours, we will continue using internet security procedures to ensure your data remains safe with us. ACCESS TO PERSONAL INFORMATION Whenever you use our services, we aim to provide you with access to your personal information. If that information is wrong, we strive to give you ways to update it quickly or to delete it - unless Essel Finance VKC has to keep that information for legitimate business or legal purposes. Essel Finance VKC may reject requests that are unreasonably repetitive, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical, or for which access is not otherwise required by local law. Where we can provide information access and correction, we will do so for free, except where it would require a disproportionate effort. You can send mail for access, correction or deletion requests by sending email to us. LINK TO OTHER WEBSITES: We are not responsible for the practices employed by websites or services linked to or from the Essel Finance VKC Service or Sites, including the information or content contained therein. Please remember that when you use a link to go from the Essel Finance VKC Service or Sites to another website or service, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our website, are subject to that third partys own rules and policies. Please take time to learn about them as well. Social Media Widgets: Our Site includes social media features, such as the Facebook Like button and other widgets, that run on our Site. These features may collect your IP address and which 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 Site. Your interactions with these features are governed by the privacy policy of the organization providing it. LINK TO OTHER WEBSITES: We are not responsible for the practices employed by websites or services linked to or from the Essel Finance VKC Forex Service or Sites, including the information or content contained therein. Please remember that when you use a link to go from the Essel Finance VKC Forex Service or Sites to another website or service, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on our website, are subject to that third partys own rules and policies. Please take time to learn about them as well. Social Media Widgets: Our Site includes social media features, such as the Facebook Like button and other widgets, that run on our Site. These features may collect your IP address and which 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 Site. Your interactions with these features are governed by the privacy policy of the organization providing it. CHANGE TO THIS PRIVACY POLICY Our Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any privacy policy changes on this page and, if we make material changes, we will give you the opportunity to amend or cancel your registration. Governing law and Jurisdiction: This privacy policy shall be interpreted and governed in all respects by the laws of India. You irrevocably agree that for deciding any disputes, differences, controversies, claims or matters arising out of or in connection with this privacy policy (Dispute), the courts of Mumbai shall have exclusive jurisdiction and no other courts shall have the jurisdiction to entertain and try any Disputes arising from and out of the this privacy policy. 2016 Essel Finance. All rights reserved. Who are authorized by the Reserve Bank to sell foreign exchange for travel purposes Foreign exchange can be purchased from any authorised person, such as Authorised Dealer (AD) Category-I bank and AD Category II. Full-Fledged Money Changers (FFMCs) are also permitted to release exchange for business and private visits. Who is an Authorized Dealer An Authorised Dealer is normally a bank specifically authorized by the Reserve Bank under Section 10(1) of FEMA, 1999, to deal in foreign exchange or foreign securities (the list of ADs is available on rbi. org. in ). How much foreign exchange can one buy when traveling abroad on private visits to a country outside India For private visits abroad, other than to Nepal and Bhutan, viz. for tourism purposes, etc. any resident can obtain foreign exchange up to an aggregate amount of USD 10,000, from an Authorised Dealer, in any one financial year, on self-declaration basis, irrespective of the number of visits undertaken during the year. This limit of USD 10,000 or its equivalent per financial year for private visits can also be availed of by a person who is availing of foreign exchange for travel abroad for any purposes, such as, for employment or immigration or studies. No foreign exchange is available for visit to Nepal andor Bhutan for any purpose. A resident Indian is allowed to take INR of denomination of Rs.100 or lesser denomination to Nepal and Bhutan without limit. How much foreign exchange is available for a business trip For business trips abroad to countries, other than to Nepal and Bhutan, a person can avail of foreign exchange up to USD 25,000 per visit. Visits in connection with attending of an international conference, seminar, specialised training, study tour, apprentice training, etc. are treated as business visits. Release of foreign exchange exceeding USD 25,000 for business travel abroad (other than to Nepal and Bhutan), irrespective of the period of stay, requires prior permission from the Reserve Bank. No release of foreign exchange is admissible for any kind of travel to Nepal and Bhutan or for any transaction with persons resident in Nepal. Investments in Bhutan are permitted in Indian Rupees as well as in freely convertible currencies. If investment is made in freely convertible currency ies, salewinding up proceeds are required to be repatriated to India in freely convertible currencies. How much foreign currency can be taken while buying foreign exchange for travel abroad Travellers going to all countries other than (a) and ( b) below are allowed to purchase foreign currency notes coins only up to USD 3000. Balance amount can be carried in the form of travellers cheque or bankers draft. Exceptions to this are (a) travellers proceeding to Iraq and Libya who can draw foreign exchange in the form of foreign currency notes and coins not exceeding USD 5000 or its equivalent (b) travellers proceeding to the Islamic Republic of Iran, Russian Federation and other Republics of Commonwealth of Independent States who can draw entire foreign exchange in the form of foreign currency notes or coins. How much foreign exchange can be drawn for medical treatment abroad AD Category I banks and AD Category II, may release foreign exchange up to USD 100,000 or its equivalent to resident Indians for medical treatment abroad on self declaration basis, without insisting on any estimate from a hospitaldoctor in Indiaabroad. A person visiting abroad for medical treatment can obtain foreign exchange exceeding the above limit, provided the request is supported by an estimate from a hospitaldoctor in Indiaabroad. An amount up to USD 25,000 is allowed for maintenance expensesof a patient going abroad for medical treatment or check-up abroad, or to a person foraccompanying as attendant to a patient going abroad for medical treatmentcheck-up. The amount of USD 25,000 allowed to the patient going abroad is in addition to the limit of USD 100,000 mentioned above. What are the facilities available to students for pursuing their studies abroad For studies abroad the estimate received from the institution abroad or USD 100,000, per academic year, whichever is higher, may be availed of from an AD Category I bank and AD Category II. Students going abroad for studies are treated as Non-Resident Indians (NRIs) and are eligible for all the facilities available to NRIs under FEMA, 1999. Educational and other loans availed of by students as residents in India can be allowed to continue. A student holding NRO account may withdraw and repatriate up to USD 1 million per financial year from his NRO account. The student may avail of an amount of USD 10,000 or its equivalent for incidental expenses out of which USD 3000 or its equivalent may be carried in the form of foreign currency while going for study abroad. What are the documents required for withdrawal of Foreign Exchange for the above purpose Documentation may be done as advised by the Authorised Dealer. How much foreign exchange is available to a person going abroad on employment A person going abroad for employment can draw foreign exchange up to USD 100,000 from any Authorised Dealer in India on the basis of self-declaration. How much foreign exchange is available to a person going abroad on emigration A person going abroad on emigration can draw foreign exchange from AD Category I bank and AD Category II up to the amount prescribed by the country of emigration or USD 100,000. He can draw foreign exchange up to USD 100,000 on self - declaration basis from an Authorised Dealer in India This amount is only to meet the incidental expenses in the country of emigration. No amount of foreign exchange can be remitted outside India to become eligible or for earning points or credits for immigration. All such remittances require prior permission of the Reserve Bank. If requirement exceeds USD 100,000, the person requires to obtain the prior approval from the Reserve Bank. Is there any category of visit which requires prior approval from the Reserve Bank or the Government of India Dance troupes, artistes, etc. who wish to undertake cultural tours abroad, should obtain prior approval from the Ministry of Human Resources Development (Department of Education and Culture), Government of India, New Delhi. Whether permission is required for receiving grantdonation from abroad under the Foreign Contribution Regulation Act, 1976 The Foreign Contribution Regulation Act, 1976 is administered and monitored by the Ministry of Home Affairs whose address is given below: Foreigners Division, Jaisalmer House, 26, Mansingh Road, New Delhi-110 011 No specific approval from the Reserve Bank is required in this regard. How many days in advance one can buy foreign exchange for travel abroad Permissible foreign exchange can be drawn 60 days in advance. In case it is not possible to use the foreign exchange within the period of 60 days, it should be immediately surrendered to an authorised person. However, residents are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) RFC (Domestic) Accounts. Can one pay by cash full rupee equivalent of foreign exchange being purchased for travel abroad Foreign exchange for travel abroad can be purchased from an authorized person against rupee payment in cash only up to Rs.50,000-. However, if the Rupee equivalent exceeds Rs.50,000-, the entire payment should be made by way of a crossed cheque bankers cheque pay order demand draft debit card credit card prepaid card only. Is there any time-frame for a traveller who has returned to India to surrender foreign exchange On return from a foreign trip, travellers are required to surrender unspent foreign exchange held in the form of currency notes and travellers cheques within 180 days of return. However, they are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) RFC (Domestic) Accounts. Should foreign coins be surrendered to an Authorised Dealer on return from abroad The residents can hold foreign coins without any limit. How much foreign exchange can a resident individual send as gift donation to a person resident outside India Any resident individual, if he so desires, may remit the entire limit of USD 125000 in one financial year under LRS as gift to a person residing outside India or as donation to a charitableeducational religiouscultural organization outside India. Remittances exceeding the limit of USD 125000 will require prior permission from the Reserve Bank. Is it permitted to use International Credit Card (ICC)ATMDebit card for undertaking foreign exchange transactions Use of International Credit Cards (ICCs) ATMs Debit Cards can be made for travel abroad in connection with various purposes and for making personal payments like subscription to foreign journals, internet subscription, etc. The entitlement of foreign exchange on International Credit Cards (ICCs) is limited by the credit limit fixed by the card issuing authority only. With ICCs one can (i) meet expensesmake purchases while abroad (ii) make payments in foreign exchange for purchase of books and other items through internet in India. If the person has a foreign currency account in India or with a bank overseas, heshe can even obtain ICCs of overseas banks and reputed agencies. Use of these instruments for payment in foreign exchange in Nepal and Bhutan is not permitted. How much Indian currency can a person carry while going abroad Residents are free to take outside India (other than to Nepal and Bhutan) currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs. 10000- per person. They may take or send outside India (other than to Nepal and Bhutan) commemorative coins not exceeding two coins each. Explanation. Commemorative Coin includes coin issued by Government of India Mint to commemorate any specific occasion or event and expressed in Indian currency. How much Indian currency can be brought in while coming into India A resident of India, who has gone out of India on a temporary visit may bring into India at the time of his return from any place outside India (other than Nepal and Bhutan), currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs.7,500. A person can take or send out of India to Nepal or Bhutan, currency notes of Government of India and Reserve Bank notes, in denominations not exceeding Rs.100. How much foreign exchange can be brought in while visiting India A person coming into India from abroad can bring with him foreign exchange without any limit. However, if the aggregate value of the foreign exchange in the form of currency notes, bank notes or travellers cheques brought in exceeds USD 10,000 or its equivalent andor the value of foreign currency alone exceeds USD 5,000 or its equivalent, it should be declared to the Customs Authorities at the Airport in the Currency Declaration Form (CDF), on arrival in India. 22. Is it required to follow complete export procedure when a gift parcel is sent outside India A person resident in India is free to send (export) any gift article of value not exceeding Rs.5,00,000 provided export of that item is not prohibited under the extant Foreign Trade Policy and the exporter submits a declaration that goods of gift are not more than Rs.5,00,000 in value. Export of goods or services up to Rs.5,00,000 may be made without furnishing the declaration in Form GR SDF PP SOFTEX, as the case may be. How much Jewellery can be carried while going abroad Taking personal jewellery out of India is as per the Baggage Rules, governed and administered by Customs Department, Government of India. While no approval of the Reserve Bank is required in this case, approvals, if any, required from Customs Authorities may be obtained. Can a resident extend local hospitality to a non-resident A person resident in India is free to make any payment in Indian Rupees towards meeting expenses, on account of boarding, lodging and services related thereto or travel to and from and within India, of a person resident outside India, who is on a visit to India. Can residents purchase air tickets in India for their travel not touching India Residents may book their tickets in India for their visit to any third country. For instance, residents can book their tickets for travel from London to New York, through domesticforeign airlines in India itself. Is endorsement in the passport mandatory for Private Visit Customers No, it is not mandatory to endorse on the passport, however if the customer insists or request for an endorsement the authorised dealer will not refuse to endorse the same. What is HDFC Multi Currency Card concept Pre-funded Foreign currency denominated card with multiple currency wallets where individual currencies can be loaded The card will work like any regular prepaid card to facilitate payments at VISA ATMs and POS terminals abroad. First choice of currency to process the transaction will be the local currency of transaction. If the card does not have sufficient balance on the local currency wallet then by default funds will be pulled from another currency wallet with sufficient funds Convenient option of transferring currency from one wallet to another using Net Banking service. Customer will know applicable rate at the time of transaction What are the features of HDFC Multi Currency Card Variable denomination Reloadable Prepaid Forex card with an option to load any of the 10 currency options Can carry more than one currency on the card simultaneously Move funds across different currency wallets conveniently Hassle free selection of local currency based on location of use Built in intelligence to process transactions using funds across different currency wallets Set your own ATM Net Banking PIN online Comes with a back up card which can be utilized in case Primary card is lostdamagedstolen. Chip based to offer security, works on all EMV compliant terminals E-com facility available to make online Foreign Currency payments Transaction specific alerts on registered email mobile for select transactions and activities Global acceptance across all Visa ATMs and merchant establishments What are the alert facilities available in HDFC Multi Currency Card SMS Alert Card activation Load Reload of value Refund Add-on card activation Card Hotlisting PoS transaction alert ATM transaction alert ECOM transaction alert ATM PIN Reset IPIN Reset Email alert Card Activation Card load Card reload ATM PIN reset IPIN reset What are the features available in HDFC Multi Currency Card Net Banking SetReset ATM PIN and Internet PIN (IPIN) Download Statements Check balance in the card Swap currencies between different currency wallets Block unblock card for transactions Check transaction history Hotlist lost stolen card Activate back-up card What are the value added services available on HDFC Mul ti Currency Card 24 7 365 days assistance Premium Concierge services Enhanced Insurance coverage Lost and Stolen card reporting Cardholder Enquiry Service Emergency Cash disbursement Emergency Card replacement What are the charges on HDFC Bank Multi Currency Card Issuance Fee. Rs 500- per card Reload Fee. Rs 75- per reload Re-issuance of Card Fee. Rs 100- per card ATM Cash Withdrawal Cross Currency Charges: For transactions where the transaction currency is different than the currency available on Multicurrency ForexPlus card, Bank will charge cross currency markup of 3 on such transactions. Exchange rate used will be the VISAMasterCard wholesale exchange rate prevailing at the time of the transaction. For cross currency transactions involving wallet to wallet transfers within currencies available on Multi currency Forex Plus card, customer will be charged with 2 cross currency charges. Currency conversion service tax: Currency Conversion tax will be as applicable as per prevailing tax guidelines Charges towards GCAS facility: The customer will be charged for availing GCAS facility of Visa as per the prevailing charges applicable. Eligibility and Documentation Just visit or call any VKC Forex branch with the following documentation: The completed Multi currency Application Form Form A2 A photocopy of your Passport A look at the documentation mandated by FEMA as per the quota of your travel: Private Visit - For Holidays, Personal visits, etc. USD 10,000.00 per financial year USD 25,000.00 per Trip Immigration - For people who settle abroad in countries like Canada, New Zealand, etc. USD 100,000.00 per year Employment Abroad - For a person who is going to work abroad USD 100,000.00 per year Medical Treatment - For people who are travelling abroad for treatment USD 100,000.00 per year Studies Abroad - For students pursuing studies abroad USD 100,000.00 per academic year How much foreign exchange is available to a person going abroad on employment A person going abroad for employment can draw foreign exchange up to USD 100,000 from any Authorised Dealer in India on the basis of self-declaration. How much foreign exchange is available to a person going abroad on emigration A person going abroad on emigration can draw foreign exchange from AD Category I bank and AD Category II up to the amount prescribed by the country of emigration or USD 100,000. He can draw foreign exchange up to USD 100,000 on self - declaration basis from an Authorised Dealer in India This amount is only to meet the incidental expenses in the country of emigration. No amount of foreign exchange can be remitted outside India to become eligible or for earning points or credits for immigration. All such remittances require prior permission of the Reserve Bank. If requirement exceeds USD 100,000, the person requires to obtain the prior approval from the Reserve Bank. Is there any category of visit which requires prior approval from the Reserve Bank or the Government of India Dance troupes, artistes, etc. who wish to undertake cultural tours abroad, should obtain prior approval from the Ministry of Human Resources Development (Department of Education and Culture), Government of India, New Delhi. Whether permission is required for receiving grantdonation from abroad under the Foreign Contribution Regulation Act, 1976 The Foreign Contribution Regulation Act, 1976 is administered and monitored by the Ministry of Home Affairs whose address is given below: Foreigners Division, Jaisalmer House, 26, Mansingh Road, New Delhi-110 011 No specific approval from the Reserve Bank is required in this regard. How many days in advance one can buy foreign exchange for travel abroad Permissible foreign exchange can be drawn 60 days in advance. In case it is not possible to use the foreign exchange within the period of 60 days, it should be immediately surrendered to an authorised person. However, residents are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) RFC (Domestic) Accounts. Can one pay by cash full rupee equivalent of foreign exchange being purchased for travel abroad Foreign exchange for travel abroad can be purchased from an authorized person against rupee payment in cash only up to Rs.50,000-. However, if the Rupee equivalent exceeds Rs.50,000-, the entire payment should be made by way of a crossed cheque bankers cheque pay order demand draft debit card credit card prepaid card only. Is there any time-frame for a traveller who has returned to India to surrender foreign exchange On return from a foreign trip, travellers are required to surrender unspent foreign exchange held in the form of currency notes and travellers cheques within 180 days of return. However, they are free to retain foreign exchange up to USD 2,000, in the form of foreign currency notes or TCs for future use or credit to their Resident Foreign Currency (Domestic) RFC (Domestic) Accounts. Should foreign coins be surrendered to an Authorised Dealer on return from abroad The residents can hold foreign coins without any limit. How much foreign exchange can a resident individual send as gift donation to a person resident outside India Any resident individual, if he so desires, may remit the entire limit of USD 125000 in one financial year under LRS as gift to a person residing outside India or as donation to a charitableeducational religiouscultural organization outside India. Remittances exceeding the limit of USD 125000 will require prior permission from the Reserve Bank. Is it permitted to use International Credit Card (ICC)ATMDebit card for undertaking foreign exchange transactions Use of International Credit Cards (ICCs) ATMs Debit Cards can be made for travel abroad in connection with various purposes and for making personal payments like subscription to foreign journals, internet subscription, etc. The entitlement of foreign exchange on International Credit Cards (ICCs) is limited by the credit limit fixed by the card issuing authority only. With ICCs one can (i) meet expensesmake purchases while abroad (ii) make payments in foreign exchange for purchase of books and other items through internet in India. If the person has a foreign currency account in India or with a bank overseas, heshe can even obtain ICCs of overseas banks and reputed agencies. Use of these instruments for payment in foreign exchange in Nepal and Bhutan is not permitted. How much Indian currency can a person carry while going abroad Residents are free to take outside India (other than to Nepal and Bhutan) currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs. 10000- per person. They may take or send outside India (other than to Nepal and Bhutan) commemorative coins not exceeding two coins each. Explanation. Commemorative Coin includes coin issued by Government of India Mint to commemorate any specific occasion or event and expressed in Indian currency. Explanation. Commemorative Coin includes coin issued by Government of India Mint to commemorate any specific occasion or event and expressed in Indian currency. How much Indian currency can be brought in while coming into India A resident of India, who has gone out of India on a temporary visit may bring into India at the time of his return from any place outside India (other than Nepal and Bhutan), currency notes of Government of India and Reserve Bank of India notes up to an amount not exceeding Rs.7,500. A person can take or send out of India to Nepal or Bhutan, currency notes of Government of India and Reserve Bank notes, in denominations not exceeding Rs.100. How much foreign exchange can be brought in while visiting India A person coming into India from abroad can bring with him foreign exchange without any limit. However, if the aggregate value of the foreign exchange in the form of currency notes, bank notes or travellers cheques brought in exceeds USD 10,000 or its equivalent andor the value of foreign currency alone exceeds USD 5,000 or its equivalent, it should be declared to the Customs Authorities at the Airport in the Currency Declaration Form (CDF), on arrival in India. 22. Is it required to follow complete export procedure when a gift parcel is sent outside India A person resident in India is free to send (export) any gift article of value not exceeding Rs.5,00,000 provided export of that item is not prohibited under the extant Foreign Trade Policy and the exporter submits a declaration that goods of gift are not more than Rs.5,00,000 in value. Export of goods or services up to Rs.5,00,000 may be made without furnishing the declaration in Form GR SDF PP SOFTEX, as the case may be. How much Jewellery can be carried while going abroad Taking personal jewellery out of India is as per the Baggage Rules, governed and administered by Customs Department, Government of India. While no approval of the Reserve Bank is required in this case, approvals, if any, required from Customs Authorities may be obtained. Can a resident extend local hospitality to a non-resident A person resident in India is free to make any payment in Indian Rupees towards meeting expenses, on account of boarding, lodging and services related thereto or travel to and from and within India, of a person resident outside India, who is on a visit to India. Can residents purchase air tickets in India for their travel not touching India Residents may book their tickets in India for their visit to any third country. For instance, residents can book their tickets for travel from London to New York, through domesticforeign airlines in India itself. Is endorsement in the passport mandatory for Private Visit Customers No, it is not mandatory to endorse on the passport, however if the customer insists or request for an endorsement the authorised dealer will not refuse to endorse the same. Can I buy more than one Travel Card from Axis Bank In Same Currency: Each individual will be entitled to purchase one card of each currency. However, an individual cannot hold more than a single card of the same currency at any given point of time In Multiple Currencies: If you are travelling to more than one country on a single trip and you wish to carry more than one card on different currencies, then Bank can issue more than one card to you. albeit in different currencies, within the overall RBI approved limits for the trip. Can I get one card loaded with multiple currencies, if I am traveling to two countries No. As stated above if you are travelling to more than one country on a single trip, then Bank can issue more than one card to you, albeit in different currencies, within the overall RBI approved limits for the trip. However it would not be possible to load more than one currency on a single card. When can I use the card after purchase You are advised to commence the usage of the card only after a couple of hours. You are also advised to ensure that you have received the PIN and sign on the signature panel at the back of the card. It is also advisable to change the PIN and check the Balance on the card at any Axis Bank ATM before your departure from the country. How can I confirm if my card has been loadedreloaded You would receive an SMS confirmation as soon as your card is loadedreloaded. It is advisable to check the Balance on the card at any Axis Bank ATM before your departure from the country. You can also check your balance on our website using the login id and password provided for internet banking. How much money can I load onto my Travel Currency Card The usage of your Travel Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The amount loaded or reloaded on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations in force at present. The minimum purchase reload value of Travel Currency Card is given below: Minimum Issuance Amount Minimum Reload Amount How can I use this Card to withdraw Cash To withdraw cash, you would need to insert your card into any Visa Visa Plus Mastercard ATM machine overseas and follow the instructions on screen. Enter your PIN and indicate the amount you want to withdraw in the local currency. The requisitioned cash will be dispensed in the local currency of the country you are in. What is my PIN Your PIN (Personal Identification Number) is a unique 4 digit secure number assigned to your card and known only to you. It allows you to withdraw cash from VISA VISA Plus Mastercard ATMs worldwide. This PIN can be changed (only) at any Axis Bank ATM in India. Which ATMs accept the Travel Currency Card All ATMs overseas displaying the Visa or Plus symbol will accept your Axis Bank Travel Currency Card. Will I find VISA ATMs where I am going There are over 1 Million VISA ATMs worldwide. For a comprehensive list of all ATMs look upto the location of VISA accepting ATMs on their website visa. Or visa. via. infonowlocatorglobal and click on the ATM locator. Unless you are travelling to someplace very remote, it is very unlikely that you wont be able to find one. It may please be noted that there are certain countries where, either the VISA or MasterCard has withdrawn support or there is no presence of VISA or MasterCard infrastructure. Thus, there will be no acceptability of our Travel Currency Card in such countries. Is there a fee levied for the use of VISA ATMs There is a transaction fee levied at various ATMs for cash withdrawal Balance Inquiry as per the table hereunder: Minimum Issuance Amount Minimum Reload Amount The banks in U. S. are given right by the local federal laws to charge Surchargefees from other bank customers accessing their ATM to withdraw money. Many ATMS in US do levy charges for withdrawing from their ATM over and above the charges mentioned above. What options should I choose to withdraw cash from the ATM Generally, the options available at the ATM for cash withdrawal are Checking, Credit, and Savings. You should choose the CheckingCurrent option. In case the CheckingCurrent option is not available, you should select the Credit option. The Savings option does not link to the VISA network and hence the transaction would not be successful. What if I have forgotten my ATM PIN The Card gets blocked for use at ATMs, if the card has been used with the wrong ATM PIN more than 3 times. This is for your own security and to prevent any fraudulent use on the card. If you have forgotten your PIN, you may write to travel. currencyaxisbank for generation of a new PIN. Does the Visa ATM display the foreign exchange rate of conversion No, generally, ATMs display the amount withdrawn and balance available in the local currency. With this information, you can calculate the foreign exchange rate applied. Can I use my Travel Card in currencies other than the base currency (currency variant in which the card was purchased) Yes, the Travel Currency Card can be used to transact (Cash withdrawal at ATMs and point of sale transactions at Merchant Outlets) in any local currency. For transactions in any other currency other than the base currency, there will be an exchange rate which will be applicable. Whom should I contact, in case I have any dispute on a transaction In case you have a dispute on any specific transaction, you are requested to provide the details of the transaction to the e-mail id:- travel. currencyaxisbank for doing the needful. Can I reload the card Incase you have exhausted the funds on the card you can reload your card with additional funds. The easiest way to do this is to contact the Axis Bank Branch where you bought it from. Is remote reloading possible on the card Yes You may leave a signed copy of the reload Form and authorization with your family. Your family member can approach Axis Bank Branch with the Reload form. On submission of the documents and receipt of the payment, the Travel Card would be reloaded. How do I withdraw the remaining cash from my card if it is too small for a cash machine to dispense The easiest way to cash out your card, if you dont want to reload it for your next trip, is to go to the nearest Axis Bank branch and get the remaining amount encashed. How can I get a refund of unspent balances The Card can be encashed only after your return to India. Furthermore, the last transaction done on the card should be more than 10 days prior to the date of encashment. For refund of the residual or unutilized balances you can approach any of the branch of the Bank irrespective of where the card was issued. You need to complete the refund form and submit a copy of your passport alongwith the form. Do I need to surrender the card at the branch at the time of encashment or can I retain the same In case you want to encash the entire unspent amount on the card, you need to cut the card into 4 pieces at the time of surrender. However if you wish to retain the card for further trips, you can do so by encashing the partial amount and maintaining a minimum balance of USD 20 EUR 15 GBP 10 AUD 25, CAD 25 SGD 30 CHF 25 and SEK 130. Please note that if the balance on the card is more than 2000 then the card should be encashed within 90 days from the date of arrival. What do I do if my card is lost or stolen You can call the 24- hour helpline 91-22-67987700 or send an email to email helpdesk travel. currencyaxisbank to report a lost or stolen card. Our Customer Service Executives will immediately block the lost card and prevent it from further use and arrange to send you a replacement card within 2 working days. It is important to note that a lost Card report will be taken only after verification of your Mothers maiden name, Date of Birth, Passport no etc. Is there any other way in which I can keep a track of my balance and the latest transactions You can access the Internet banking module, iConnect for keeping a track of your balances and the transactions done on your card. The Internet banking user id is mentioned on the sticker placed on the welcome kit. The password is enclosed in the welcome kit in a sealed envelope for security reasons. You can visit the web-site axisbank. Select the Logon to net Banking section on the top left hand side to access the service. What important points should I keep in mind for using the card at Merchant Outlets You should look for VISAVISA Electron MasterCard sign at the point-of-sale merchant establishment. The Merchant must have an electronic point of sale card swiping terminal. Present your Travel Card after making purchase. Do not give your PIN to the merchant even if requested. PIN is not required for POS transactions. After a successful authorization, a hold for the transacted amount will first be placed on your account. Subsequently, your account will be debited for the transacted amount. A sales slip will be generated from the electronic card-swiping terminal. Check and sign the sales slip. Your signature must match the one on your Travel Card. Ensure your card is returned to you. Please note that this card can be used only for online transactions. Any transaction, which is done in an offline mode (Manual key Entry) would be declined, as it does not get routed to the online systems. What should I do if I lose my Travel Currency CardATM PIN or Internet banking password In case of loss of card, ATM PIN or the Internet banking password, you are requested to write to the Travel Currency Helpdesk at the e-mail id: - travel. currencyaxisbank What is the VKC Forex Global Currency Card VKC Forex Global Currency Card is a pre-paid foreign currency card that makes your foreign trip totally hassle-free and convenient. You can load this pre-paid card with foreign currency in India and use it to withdraw cash in the local currency from VISA MASTERCARD AMERICAN EXPRESS ATMs and merchant establishments accepting VISA MASTERCARD AMERICAN EXPRESS Flag cards. The Card is sold through ICICI Bank branches and select money changers. The Card also comes with never before features including travel insurance, emergency assistance, advanced account management features. In which currencies are the VKC Forex Global Currency Card available in VISA US Dollars Euro Pound Sterling Swiss Francs Australian Dollars Canadian Dollars Singapore Dollar Japanese Yen MASTERCARD US Dollars AMERICAN EXPRESS US Dollars So the US Dollar card will have USD loaded on to it (just like the USD Travelers Cheque). The Card will work in all countries and will dispense local currencies only on usage at ATMs, but in case the US Dollar card is used in say Europe, conversion charges from USD to Euro will be applicable. Why should I use an VKC Forex Global Currency Card An VKC Forex Global Currency Card ensures that you have a hassle free business or pleasure trip abroad. Instead of spending time encashing travelers cheques or changing money though Money Changers, The VKC Forex Global Currency Card ensures that you have 24-hours instant access to your funds. Apart from time and effort, you would also save money by getting the most competitive foreign exchange rates. Since it is a pre-paid card, it also helps you budget and plan your expenses. It also ensures that you spend your time in your business or leisure trip or abroad productively with an assurance of having an access to a wide network of people who are in stand by in case you were to need any help How does this pre-paid card work Your pre-paid Global Currency Card is loaded with funds at the time of purchase. Você pode usar o cartão para retirada de dinheiro ou para fazer compras em estabelecimentos comerciais. With each transaction, the remaining value on the card decreases. You can continue to use your card as long as some funds remain on the card account. You can reload the card with more funds before your next trip when you return to India. This card cannot be used in India, Nepal Bhutan. What is the schedule of charges Schedule of Charges Some of the ATM acquires charge additional ATM fee. You are advised to check the same before the usage. Service Charge Extra What needs to be done incase HotelsCar Rentals take a Pre-Authorization HotelsCar Rentals before check-inrenting services etc, take a pre-auth on your card. A Pre-Auth is essentially blocking of certain amount on your card. At the time of checking out of the hotelsettling the bill, you should: Ask the executive to settle the final bill against the pre-auth that was taken. Ask the executive to cancel the pre-auth (credit back the amount) that was taken and settle the bill by taking an authorization for the actual bill amount. In the event of the Merchant not reversing back the amount, ICICI Bank would credit back the amount immediately after 11 days. What is the Insurance available on the card Personal Air Accident Cover - Death only. This cover is available for PRIMARY Card members upto the age of 69 and is applicable only overseas. 100 benefit total amp disablement (as decided permanent by insurance company) Missing of connecting Applicable if there is no international flight in the next 6 hours after late arrival by an international flight on an international airline For International Travel only. Loss of travel documents (Passport, Visa, Tickets) Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery. Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery Delay in receipt of checked baggage. Available on baggage checked by international airline on an international flight on an outbound flight only. In case of theft, it should be reported to appropriate policy authority within 24 hours of discovery. Note: The customer is automatically enrolled into the policy on the purchase of the card. The claim will be applicable only if on the incident date, the Global Currency Card was active and had a positive balance on the same. What is the Insurance Claim Process For insurance claims, please contact ICICI Lombard on toll free number: 180020988. ICICI Lombard PBO takes down the claim information from the customer. Checks based on the card number provided for the cover applicable. Forwards the information to the expert for claim validity. If the claim is valid, customer is forwarded the claim form along with the list of supporting documents required. The cheque is sent to customer within 30 days. Where do I call if I need some assistance Customers can call ICICI Banks 24-hour Customer Care Center for free customer support. From within India, call 1800 345 3499. From outside India, customers may call 91 22 28307777. After calling these numbers, please the customers need press 112 for English and 212 for Hindi. The customers can call up the call center to know their transaction details, the remaining balance on their card account, to update their mailing addressemail addressmobile number, report a card loss and ask for replacement cards or write to us using the Email Us option For emergency assistance, they can call our assistance center at 91 11 4189 8888 Can the VKC Forex Global Currency Card be used over the Internet Yes. For VISA and MASTERCARD, the cardholder first needs to activate hisher card for the Internet usage while in case of AMERICAN EXPRESS, the card is pre-activated. The steps for activation are: Log on to icicibank, click on cards, Click on Global Currency Card, click on Login for Global Currency Card Customers, and log in using 16-digit card no and Internet password. Activate the card for Internet Transactions (not valid on Indian Sites). The card remains active for 30 minutes or 1 transaction which ever is earlier. Start using the card over the Internet. Is remote Loading of the card possible Yes. The process is: Leave a Signed Copy of the Reload Form and authorization with your family. Family Member walks into nearest VKC Forex Branch with the Reload Form. On submission of these documents and receipt of payment, the Card would be reloaded. Is temporary block facility available on the card Yes, the same is available. In case you want to temporarily block the card for safety purpose, you can do so yourself through your internet log-in or you can call up ICICI Bank call center to block and then unblock the card. This facility is not available on ICICI Bank American Express, Prepaid Global Currency Card. How do I track my transactions from wherever I am in the world Web-based Access to Account Information: Internet web-based access allows the customers quick access to transaction details and can also check their card balance. They simply need to logon to icicibank click on Cards click on Global Currency Card, and log-in through the Login for Global Currency Card customers link using their Internet Login ID (i. e. Global Currency Card 16 digit number) and password provided with the welcome pack for a complete update on the Card. Customers can check the status on their VKC Forex Global Currency Card from anywhere in the world. The customers can get updates on Available balance Transactions undertaken Transactions after last statement date Past statements (by period) If the merchant says that the card is not working, what is to be done Ask the merchant to ensure that he has swiped on a Credit Card terminal. If the card is still getting declined, walk into the nearest ATM to check the available balance on the card. Customers can withdraw the cash from the ATM and settle with the merchant. Report the matter to ICICI Bank, for follow up with the Merchant. What are the minimum and maximum amounts one can load on purchase Usage of the VKC Forex Global Currency Card should be in strict accordance with the regulations of the Reserve Bank of India and FEMA regulations. The card can be loaded with any amount up to USD 10,000 or equivalent in Euros in a year. The minimum loading amount is 200 ( i. e. if USD card-200, if GBP card - 200 and so on ). Corporate travelers can load the Card up to 25,000 or its equivalent in Euros for every business trips. The amount of load on a card should be done as per the foreign Exchange Management Act, 1999 and prevailing RBI regulations. If I am traveling to two countries, do I get the different currencies loaded on same card No. One card can be loaded with only one currency. However, the customer can take card in one currency and use worldwide irrespective of the currency of the country. Can I transact in currencies other than base currency (dollar, euros, pounds etc) using the Global Currency Card Yes, VKC Forex Global Currency Card allows transactions (cash withdrawal and point-of-sale transaction) in any local currency. For any currency other than the base currency, there will be an exchange rate which will be applied. What exchange rates are applied when a transaction is made on the card For transactions done in the base currency, there is no exchange rate applicable. However, for transactions other than in the Base Currency, VISA MATERCARD wholesale rates or Global Network (Incase of AMERICAN EXPRESS ) rates would apply. What documents are needed during purchaserecharge During purchase of a VKC Forex Global Currency Card, customers need to provide the following: Passport A2 form PAN Form 60 (in case you do not have a PAN number) They would also need to fill up and sign the VKC Forex Global Currency Card application form. The same documents need to be provided at the time of recharge along with the photocopy of the front of the card. The card numbers will be masked in the e-mails for security. Can one buy more than one VKC Forex Global Currency Card A customer can buy at most one VKC Forex Global Currency Card (of the same currency) at a time. Heshe can however buy more than one VKC Forex Global Currency Cards in different currencies. Can the card be used in India No the card cannot be used in India, Nepal Bhutan. Balance enquiry is allowed free of charge in ICICI Bank ATM in India. Can a Global Currency Card be recharged over phone or from abroad To reload the card, customers need to remit funds to the ICICI Bank branch or the Money Changer and submit the necessary documents. Customers can get in touch to their money changer or Bank branch for this facility. Corporate travelers can get cards charged by their authorised signatories providing the documents and the necessary funds. Can one retain the foreign exchange on the VKC Forex Global Currency Card after returning to India One can retain the card only if the balance remaining on the card is less than 2000. Else the amount needs to be refunded within 90 days from the date of arrival. In case refund is not made on time, the card would be suspended and the card holder can face legal action. As per RBI regulations. How can I confirm if my card has been charged You would get an SMS confirmation shortly after your card is loaded or reloaded or refunded. You may call up our customer care center also to know your balance. You can login into the website and check the transactions anytime. You can also walk into the nearest ICICI Bank ATM to check the balance on your card (balance will be displayed in rupees) How do I withdraw cash from an ATM using the Global Currency Card Check for VISA MASTERCARD AMERICAN EXPRESS logos at the ATM. Insert the card in the card slot of the ATM Enter the ATM PIN of the card. For the type of cardaccount, please select Credit Card Enter the amount of cash needed. Some of the ATM acquirers charge additional ATM fee. You are advised to check the same before the usage. Is there a limit to the maximum amount of cash that I can withdraw Daily withdrawal Limit This limit has been kept in place to prevent misuse in case you have misplaced the card Are there any charges for using a ATM VISA : There is a charge of 1.50 Dollars for USD Card, 1.50 Euros for Euro card, 1.50 Pounds for GBP Card (and similar amount for other currencies as well) for cash withdrawal from ATMs. The charges for checking the balance through the ATM is 0.50 Dollars for USD Card, 0.50 Euros for Euro Card, 0.50 Pounds for GBP Card (and similar amount for other currencies as well). MASTERCARD : A charge of 1.50 Dollars is levied on ATM Usage while 0.50 dollars are charged for balance enquiry. AMERICAN EXPRESS: A charge of 1.50 Dollars is levied on ATM Usage while balance enquiry option in not available on this card. Service Charges Applicable How can the customer maximize saving using the VKC Forex Global Currency Card The customers can maximize their saving by using the card at POS terminal, swiping the card to make payment rathr than withdrawing currency from ATMs and there by incurring ATM withdrawal charges while there are no charging for POS usage provided swipe is made in the same currency as the card. What if I forget the ATM PIN of the VKC Forex Global Currency Card In case the ATM-PIN is forgotten, call the Customer Care center and request for New ATM Pin. The for VISA MasterCard, the same would be provided over the phone. For American Express, the customer would need to generate the same over the IVR. Why would I need a replacement card One may need a replacement card if the card gets stolenlost, or if the magnetic strip stops working. Whom should I contact when I need a replacement card Contact the 24-hour ICICI Bank Customer Care Center on 91 22 2830 7777 for the replacement card. Call 91 22 2830 7777. How fast can I get my replacement card The card would be shipped within 48 hours to select locations serviced by our courier. Will my ATM PIN of the replacement card continue to be the same as the ATM PIN of the earlier card No. the customer will receive a new ATM PIN along with the replacement card. The customer need to use that for transacting at ATMs. How can I apply for a refund on the card To apply for a refund, please visit your nearest VKC Forex branch. You need to fill up an Refund Form and provide copies of your VKC Forex Global Currency Card and your passport. The funds will be returned to you immediately. How long does it take to get the refund Customers can get the refund immediately upto the amount of balance remaining on your VKC Forex Global Currency Card. In case there are some unsettled transactions, there could be an additional delay of upto 7 days. How is the VKC Forex Global Currency Card secured against unauthorised cash withdrawals from ATMs The Global Currency Card comes with advanced security features. To withdraw cash from a VISA ATM using the pre-paid card, customers need the confidential ATM-PIN which is available only to the customers. The ATM-PIN is issued at the time of card purchase. Customers need to remember the 4 digit PIN number and destroy the document. Do not write in on the card. The card would be blocked after 4 unsuccessful PIN attempts. This ensures that anyone having access to the card cannot use the card. What should one do to prevent unauthorised usage in case I lose the card The card comes with zero lost card liability after its loss being reported. Immediately report the loss of the card by calling up the customer care center. ICICI Bank would block the card from any further usage. On request, the Replacement Card can then be activates. In case the Replacement Card is also lost, a replacement card would be shipped to an address of the customers choice. What security features are implemented to prevent unauthorised usage of replacement cards before it reaches you The replacement card would be couriered along with its ATM PIN by courier. The card goes in a deactivated stage. The card can be activated only when the customer call up our Customer Care center and confirm the receipt of the card in proper condition. Without this verification, the card would not be enabled for transactions. What is the HDFC Bank ForexPlus card The HDFC Bank ForexPlus card is a magnetic strip based Pre-paid Card introduced in partnership with Visa Mastercard International, which offers you a convenient and secure way to carry your forex cash. This card offers you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all Visa Mastercard ATMs and Merchant establishment worldwide. This card cannot be used for payments in India, Nepal or Bhutan. What are the currencies available for HDFC Bank ForexPlus card The HDFC Bank ForexPlus card is currently available in 9 currencies, Australian Dollar, AED (Dirhams) Canadian Dollar, Euro, Japanese Yen, Singapore Dollars, Sterling Pound, Swiss Francand US Dollar. Where do I get this card This card is available over the counter at all VKC Forex branches. You simply need to walk into the branch, fill in the required documentation, fund your card and walk out with the Card pack. The card will get activated within hours of the funding being done. How does this card work Your HDFC Bank ForexPlus card will be activated with the loaded AUD AED CAD CHF Euro GBP JPY SGD and USD within hours of the bank getting the clear funds from you. Once active, the card can be used at any international location. (Usage of the card is not allowed in India, Nepal and Bhutan.) The HDFC Bank ForexPlus card works just like a Credit Card for purchase transactions at Merchants Establishments that have an electronic terminal. The only difference is that the transaction amount is directly debited from your HDFC Bank ForexPlus card balance. Your HDFC Bank ForexPlus card is accepted at over all Merchant Establishments displaying the Visa Mastercard symbol. The card can be used to withdraw cash at all Visa Mastercard ATMs worldwide. Irrespective of the currency of the card, the cash will be in the currency of the country. Only ensure that you remember the PIN given to you with the card pack. The same is unique for every card and cannot be changed at any domestic or international ATM. What documents should I submit when I purchase the HDFC Bank ForexPlus card Application form for the HDFC Bank ForexPlus card and the form A2 (or any other Forex Documentation as mandated under FEMA) as well as a Photocopy of your current and valid Passport. How soon can the card be used after it is purchased Your card will be activated with the loaded AUD AED CAD CHF Euro GBP JPY SGD and USD within a few hours of the bank having received the clear funds from you. Post activation, the card is ready for use. Are there any transactions for which this Card should not be used Yes, your card should not be used for temporary charges - e. g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using the ForexPlus card and the hotelcar rental agency etc. settles for an amount lesser than the deposit amount or you pay through a different mode the balance amount will get credited into your account only after 35 days from the transaction date. Note: the Bank reserves the right to charge the Card holder for any unauthorized amounts. Can the value of the card be topped up Yes, Remote reload - by anybody other than yourself is also possible. The person authorised by you for the same will need to come to the branch with the money and will need to provide the necessary documents. On receipt of the application form and the funds, your card will get reloaded for the desired amount. Can the ATM PIN be changed No, the ATM PIN cannot be changed at any of the HDFC Bank ATMs. What if I forget my ATM PIN You can call the HDFC bank PhoneBanking for assistance. A new PIN will be sent across to your mailing address with the bank. How will I know which ATMs accept the HDFC Bank ForexPlus Card All ATMs displaying the Visa PLUS Mastercard Logo will accept the HDFC Bank ForexPlus Card. Whom should I contact if my card is lost or stolen In case of loss of card please report the loss immediately. Call PhoneBanking 022 - 6160 6161 or Log on to the online facility for Prepaid Cards on hdfcbank and hotlist your ForexPlus Card You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank. Who should I contact for my replacement Card Is there a charge for replacement You can call the HDFC Bank PhoneBanking number of your city and ask for replacement of your HDFC Bank ForexPlus card. The reissued card will be sent to your domestic address with the bank. The charges for the Reissue of the Card are given in the Schedule of Charges. What is the maximum value for which the Card can be used There is no limit imposed on the usage of the Card. Customers can withdrawutilise any amount, upto the loaded value on the card at any ATMPOS. However, there are some ATMs which have a per transaction limit on every withdrawal that they honor, which cannot be changed by the Bank. Hence, in such cases the cardholder might need to do multiple transactions if he wants to withdraw a higher amount. How to activate e-commerce on my card Follow 2 simple steps Step 1: Log on to Prepaid card NetBanking. Step 2: Enable your e-commerce transaction facility to make purchase Money Gram MoneyGram is a global leader in worldwide money transfer services, working closely with specially chosen agents in 227,000 locations across 190 countries and territories. We provide a secure way to send and receive money to and from your loved ones worldwide and well make sure that your money gets to where its needed quickly. Why choose MoneyGram Its quick your money is where its needed in just 10 minutes. Its convenient with 227,000 money transfer agents around the world, youre never far away from MoneyGram. Its available to everyone you dont need a bank account or credit card. Its easy just visit a MoneyGram agent and complete one simple form. Its personal you can add a complimentary 10-word message. How do I send money Follow the below 5 simple steps to send money: Step 1: Find a MoneyGram agent. Step 2: Take some personal identification and visit the money agent. Step 3: Complete a simple send form and hand this to the MoneyGram agent along with the money that want to send and the transfer fee. A free 10-word message can be included on the form. Step 4: The agent will provide a reference number. Step 5: Contact the person to whom the money is being sent, and give himher the reference number. The money will be ready to collect in just 10 minutes.. How do you receive money 3 simple steps to receive money: Step 1: Get the reference number from the person who is sending you money and this will help speed up the collection. Step 2: Visit a MoneyGram agent taking some identification and the reference number with you. Step 3: Complete the simple receive form and show the identification. They will then be given your money, usually in the local currency. You may be required to provide personal identification, usually one or more of the following: passport, driving license, national identity card or a government issued identification. You may also be required to provide proof of address (bank statement or utility bill). Requirements vary by country so please ask your local MoneyGram agent for acceptable identification formats. Subject to the receiving MoneyGram agents availability and hours of operation, and local regulations. In addition to the transfer fees applicable to a transaction, a currency exchange rate set by MoneyGram or its agents may be applied. Prices subject to change. Inward Remittance Limit It is a fact that there is no need to obtain Foreign Inward Remittance Certificate(FIRC) for any of your remittances to India if they involve your relatives. The FEMA(Foreign Exchange Management Act), who takes care of all the foreign exchanges happening in India, does not specify any restriction to the amount of money sent to India. A reason for that could be to increase the foreign exchange inflows to the country. For business purposes, no need to provide FIRC for getting tax concessions. Thus, if the business is an export business, it is mandatory to have a FIRC for every remittance. Be very suspicious if you receive the following: A check or money order sent to you, with instructions to cash the item at your bank, then send some of the funds to someone else through MoneyGram. If the check is counterfeit your bank will make you cover the loss. Be aware that counterfeit checks are very hard to identify. A telephone call telling you that you have won money or a prize and that you need to send money to pay for taxes, customs fees, etc. A response to your newspaper ad for a lost pet or lost personal items, as fraud perpetrators are known to use the classified ads to contact people and pretend they have found their lost item. A suggestion from a stranger to send money to a friend or relative as a show of good faith because legitimate business is not conducted this way. You will be told that, by sending the money in the name of a friend, they will not be able to collect the funds. That is not true. Con artists often use fake identification to pretend to be someone else. An email that appears to be from MoneyGram, no matter how real it looks. We are not an Internet escrow or shipment service and will NEVER send an email confirmation to inform a person that they have received a MoneyGram transfer for payment of an Internet purchase. Instructions to mislead MoneyGram are a clear warning sign that something might be wrong. Con artists will be familiar with MoneyGrams efforts to prevent fraud. If someone tells you to not share the details of your transaction with MoneyGram, then you should not continue with the transaction. Here are some ways you can protect yourself: Buying items on the Internet. Be very careful if you are sending money to pay for merchandise purchased online. Many Internet auction sites provide an assured payment system that offers greater protection for the buyer and seller. Using the MoneyGram money transfer service. For the convenience of our customers, some transactions sent to a specific destination may be received in another country. Please do not assume your money transfer is safe because you specified a country for the transaction. Also, if a recipient has photo identification and knows pertinent information about the transaction and the sender, a reference number or the answer to a test question may not be required to pick up the transaction. Please be careful to whom you send money, keeping your transaction information confidential, and be suspicious of anyone who wants you to send money to them (or someone else) with a test question. It may be too good to be true. Research thoroughly before sending money in response to a newspaper or magazine ad for airline, concert or similar tickets. The same is true for offers of loans or credit cards where you are asked to send money for fees before signing any documents. Be suspicious of very cheap deals. MoneyGram cannot ensure that the goods or services you are paying for will be received. Here are some resources available to you in the United States: Report fraud. To report fraud to the Internet Fraud Complaint Center, visit ic3.gov. This is a partnership between The FBI and the National White Collar Crime Center. For a list of different types of fraud schemes or to report a fraud, you can also visit consumer. govsentinel. Call before you send money. If you are suspicious, contact the Better Business Bureau, AARP or your local Attorney General before sending any money. Canadian fraud. Many scams ask for money to be sent to Canada. For Canadian issues, call PhoneBusters toll-free at 1-888-495-8501 - this is a joint effort of U. S. and Canadian law enforcement to fight telemarketing fraud. FRAUD WARNINGS STOP Please read the questions below carefully to help us protect you from becoming a victim of fraud or a scam. Are you sending money: to someone you dont know or whose identity you cannot verify to prove to someone that you have the available funds to buy a car, other goods, or to rent a property Are you being asked by any 3rd party to provide any details about this transaction in part or in full by phone, email, fax or website to buy a product service or a pet via the internet or anywhere else in response to any offer that sounds very cheap in comparison to their expected price or looks too good to be true to claim lottery or prize winnings, inheritance, for a guaranteed credit card, loan offer, refund of bank charges or attractive investments in response to an internet offer, letter or phone call that asks you to send money for a job offer or mystery shopping or a charity to someone at home or overseas who claims to be your relative needing cash for an emergency and you are unable to verify independently if the caller and the claims are genuine to someone you met in an on-line chat room or da ting web site for financial assistance Examples: airplane ticket, medical bills, helping a relative, cashing a check, investing in a business deal, etc. to buy goods and services from someone who specifically recommends money transfer through MoneyGram as the preferred mode of payment IF you answered YES to any of these questions, DO NOT SEND the money transfer - someone may be trying to STEAL YOUR MONEY. Remember neither MoneyGram nor its agents will be liable if you ignore the fraud warnings above and still choose to send money for any of the reasons listed above. Send Money Fast With Western Union Money Transfer, its quick and easy to send money to your family back home in India. Our money transfer options offer you the convenience and dependability you need -- and the peace of mind you deserve. What is Western Union Western Union Financial Services, Inc. is a global leader in money transfer and messaging services. Known for its pioneering telegraph service, Western Union dates back to 1851 and introduced electronic money transfer service in 1871. Western Union has thousands of Agent locations in countries and territories worldwide. What is the Western Union Money Transfer service to India You can use cash to send money to India from participating Agent locations around the world. You can also send money to India online or by phone from the U. S. and Canada. Use your credit or debit card to send online or by calling 1-800-CALL-CASH. If you use your credit card, you may be charged an additional cash advance fee by your card issuer for this service. U. S. or Canadian bank-issued cards only. Who uses the Western Union Money Transfer service Anyone who needs to send money quickly and reliably. What are the benefits of using Western Union to send money Its RELIABLE - Each transfer is protected by an advanced worldwide security system and can be verified with a unique Money Transfer Control Number (MTCN). In addition, Western Unions Agent locations in India are authorized by the Reserve Bank of India. Its FAST - money is available minutes after it is sent, subject to Agent locations hours of operation. Its CONVENIENT - its your choice. You can send money to India online, by phone, or from an Agent location. Plus, theres no need to have an account. With thousands of Agent locations worldwide, theres sure to be a Western Union Agent location thats convenient for you. Can money be sent from India No. Western Union offers receive or payout service only in India. Can a business use the Western Union Money Transfer service to send money No. Due to Indian government regulations, the use of the Western Union Money Transfer services to India by businesses is not permitted. Is Western Union authorized by the Reserve Bank of India (RBI) Western Unions Agents in India are authorized by the Reserve Bank of India. Do I need a bank account to use the Western Union Money Transfer service To send or receive money at an Agent location, Western Union does not require credit cards, bank accounts, memberships or citizenship papers. Receivers in India may need to show a currently valid government-issued photo ID. Additional information may be necessary to meet government requirements depending on the amount being sent or received. To send money online, you will need a U. S.- or Canadian-based Visa or MasterCard credit or debit card. To send money via 1-800-CALL-CASHSM, you will need a U. S.-or Canadian based Visa, MasterCard or Discover credit or debit card. How much money can I send to India via Western Union There is a 2,500 US Dollars maximum limit set for remittances to India due to the regulations of the Reserve Bank of India What currencies can I send via Western Union Generally, Agent locations only except cash in local currency. You cannot send money from India. The receiver in India will be paid out in Indian rupees. How do I send money at a Western Union Agent location A customer completes a To Send Money form at a Western Union Agent location. The clerk at the Agent location collects the transfer amount plus applicable fees and processes the transaction. The sender receives a Money Transfer Control Number (MTCN) to track the status of the order and to share with the receiver to pick up the funds in India. How do I send money over the telephone or online You will need a U. S. or Canadian-based credit or debit card to send your money over the phone at 1-800-CALL-CASHSM or online. Other fees may apply. What is the MTCN and why do I need it The Money Transfer Control Number (MTCN) is a number printed on your receipt that allows you and Western Union track your transaction. It is also required for the receiver to have the MTCN to pick up funds in India. How can I ensure that my money gets there quickly Supply correct contact details in case Western Union needs to contact you. Also, be sure to have your recipients correct full name and address. The recipient will be required to show valid identification and the MTCN. How can I pay for a Western Union Money Transfer transaction All Western Union Money Transfer transactions sent from an Agent location must be paid in cash. Transactions originated by telephone - 1-800-CALL-CASHSM - and online must be paid for via a U. S. or Canadian-based credit or debit card Where can money be picked up in India Western Union Agents are independent businesses that provide money transfer service to their customers on behalf of Western Union. In India, money may be picked up at any of the more than 50,000 participating Agent locations in over 650 cities: Home delivery is also available nationwide in India. Cash will not be delivered via home delivery option. check or draft must be deposited into the bank account of the receiver only and is subject to clearing procedures of the local bank. Call 1-800-325-6000 in the U. S. or Canada. In India call 1-600-44-1851 How can I find a Western Union Agent location In the U. S. the South Asian toll-free number is 1-800-435-2226 where customer service representatives can assist you in Hindi, Tamil, Malyalam, Urdu and English. Customers can also find an Agent location online. For any inquiries in India reach us at: - 91 80 2222 1851 - 1-800-425-1851 (Toll Free line, available to all MTNLBSNL users in India) - Users in India can SMS WU CALL and send to 53636 for a call back in some time. Charges Apply How many Western Union Agent locations are there in India There are more than 50,000 Western Union Agent locations in India. How do I receive money at a Western Union Agent location The receiver completes a To Receive Money form at any Western Union agent location and provides a valid government-issued photo ID. The clerk at the Agent location then pays funds to recipient. How long does it take to send money via the Western Union Money Transfer service Transfers are completed and money is available for pick-up at receiving Agent locations in India within minutes. (Subject to transaction approval and hours of operation of receiving Agent locations.) Will my receiver be paid in cash Maximum cash payout amount for Indian nationals is 50,000 IN Rupee payouts over 50,000 IN Rupee will be paid by local check. There is no cash payout limit for foreign passport holders in India. Cash will not be delivered via home delivery option. check or draft must be deposited into the bank account of the receiver only and is subject to clearing procedures of the local bank. What type of exchange rate does Western Union apply to its transactions In addition to the transfer fees applicable to the transaction, a currency exchange rate set by Western Union will be applied. The exchange rate applied by Western Union provides customers with less foreign currency per dollar than Western Union receives when it obtains foreign currency. Western Union keeps the difference. The exchange rate varies daily. For information concerning the current currency exchange rates provided by Western Union, in U. S. call toll-free to 1-800-435-2226. Outside of the U. S. please contact your local Agent location. Will my receiver have to pay any charges on the money sent No. The sender pays all fees How do I know if my receiver has picked up the money From the U. S. to verify if the receiver has picked up the money or to track your transaction, call 1-800-432-2226 or track the status online. For better results, be sure to have your MTCN (Money Transfer Control Number) available. During what hours is the Western Union Money Transfer service available Western Union provides service 24 hours a day, 365 days a year. Each Agent location determines its own hours of operation, although many Agent locations maintain extended hours of operation and some are open 24 hours a day. Restrictions and Special Notes Receiving in India: As a government requirement, maximum payout amount is not more than 2,500 US dollars (or IN Rupee equivalent) per transaction. Sender threshold amount has therefore been set at Indian Rupees 111,317 to ensure exchange fluctuations do not result in the transaction being declined to the receiver. Maximum cash payout for all Indian nationals and all residents (Indian or Foreign) is 50,000 IN Rupee Payouts over 50,000 IN Rupee will be paid by local crossed check only. There is no cash payout limit for foreign passport holders in India. As a government requirement, a payee can only receive a maximum of 12 transactions per calendar year. Receiver must present valid identification. Receiver must present correct money transfer Control Number (MTCN). Will Call transfers to the states and Islands of Tamil Nadu, Kerela, Andhra Pradesh, AndamanNicobar or Pondicherry will be charged a special flat fee per transaction, regardless of principal amount being sent. The implementation of this special pricing for India is on a state level for Indias coastal regions. General Information: Senders full address must be included on all money transfers to India. Pursuant to Indian government regulations, money transfer payments are reserved for private consumer use only and cannot be used for commercial or business purposes, for purchase of property, or for investments. Test Question is not allowed. Paying location is required to maintain a photocopy of identification documents presented by the Receiver. A new International Money Transfer destination has been created called India Tsunami Region for transfers to these regions. Please verify the destination state with the sender before sending to India. Money Transfer payments are reserved for private consumer use only and cannot be paid for commercial or business purposes, for purchase of property, or for investments. Online Fraud Sending money to someone you dont know You could be at risk for consumer fraud. The Western Union Money Transfer service is a great way to send money to people you know and trust. If you need to send money to someone you dont know well, you may be putting yourself at risk for fraud. Because we care about consumers, Western Union urges you to protect yourself from fraud by considering the following: Never send money to a stranger using a money transfer service. Beware of deals or opportunities that seem too good to be true. Dont use money transfer services to pay for things like online auction purchases. Never send money to pay for taxes or fees on foreign lottery winnings If you think you have been a victim of fraud, please contact your local Western Union Agent. What is the American Express GlobalTravel Card The American Express GlobalTravel Card is a prepaid, reloadable Card that provides you with a more convenient, secure way to manage your money while you are travelling. Its not a credit or debit card. Its a prepaid Card, which means you load funds onto the Card and can then use the Card to make purchases virtually anywhere American Express is accepted outside of India including at ATMs to withdraw cash. Since its prepaid, theres no risk of spending more funds than you have on the Card. Packed with travel-friendly features, the American Express GlobalTravel Card also includes free access to emergency assistance, if needed, during your journey. And its all backed with the world-class service offered from American Express. Do I need to do anything before using my American Express GlobalTravel Card Before using your Card, sign the back, where indicated. Memorise or change the 4-digit Personal Identification Number (PIN) contained within the Welcome Pack, and then destroy the printed PIN information. To change your PIN, call Customer Service or go online. To view your PIN online, log in to your account. Keep your Backup Card safe and store it separately. What is my PIN How can I change my PIN This is a unique 4-digit number assigned to your Card enabling you to securely withdraw cash from ATMs that accept American Express, outside India. This 4-digit PIN number should be known only by you, and it is important to protect the security of your Card and PIN at all times. To change your PIN to a more memorable number, call Customer Service or go online. To view your PIN online, log in to your account. How can I check my balance or view my transaction history You can check your balance and view your transaction history online at any time. To check your balance online now, log in to your account. To retrieve this information by phone, you may call Customer Service, 24 hours a day, 7 days a week. Do my American Express GlobalTravel Card funds have an expiration date No. While there is a valid thru date indicated on the front of the Card, the available funds on the American ExpressGlobalTravel Card do not expire. The valid thru date is simply required to ensure that the Card can be used at merchants that request andor require customers to provide a plastic expiration date during the transaction process. You may not use the Card after the valid thru date, but you can request a new Card be sent to you at no additional cost so you can use your remaining funds. What should I do if my American Express GlobalTravel Card is lost or stolen If your Card is lost, stolen or used improperly, call Customer Service for assistance. Our Customer Service Center, open 24 hours a day, 7 days a week, will assist in activating your Backup Card and blocking usage of the lost or stolen Card. You will need to sign the back of your Backup Card immediately, and either memorise the enclosed PIN, or change it to a more memorable PIN. You will not need to re-register your Card online. We will do this for you upon activation. In the event both Cards are lost or stolen, we can deliver a new Replacement Card to any location at no cost, and if necessary we can arrange emergency access to the funds available in your Card account, anywhere in the world, via Western Union. What should I do if I need help in an emergency Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card member can make things easier to handle. Global Assist Services help you prepare for your trip with customs information and destination guides. And while youre travelling overseas, lost passport replacement assistance, translation services, lost luggage assistance, and emergency legal and medical referrals are only a phone call away. For a detailed list of our Global Assist benefits, download the Global Assist Services guide. Note: While Global Assist coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers. Global Assist services are not meant to replace any travel insurance. How can I close my American Express GlobalTravel Card account In the event that you decide to close your American Express GlobalTravel Card account, call Customer Service. You can visit a participating branch location of the seller where you purchased the Card and ask for a reimbursement of available funds. Once your account is closed, please destroy any Cards by cutting them in half and disposing of them securely. To close your account if there is no balance remaining, call Customer Service. For more details on account closure, please refer to the Product Terms Conditions. Can the American Express GlobalTravel Card have a negative balance If a merchant authorises a transaction for an amount greater than your actual available balance, the American ExpressGlobalTravel Card will generally be declined. However, in rare circumstances, a merchant may process a transaction without prior authorization, or an amount greater than a Cards actual available balance may be authorised. If this occurs, you may be notified to load more funds onto the Card, or make a direct payment to cover the negative amount, but will not be charged an overdraft fee. While this does not happen often, it is important to keep track of your balance and reload funds as needed. To check your balance online now, log in to your account. To retrieve this information by phone, you may call Customer Service, 24 hours a day, 7 days a week.