Privacy Policy

Personal data includes any information about any user from which that person can be identified. It does not include personal data where the identity has been removed (anonymous data).

You may be asked for personal data anytime you are in contact with Efficient Forex directly or indirectly through a third party.

We collect, use and share aggregated data such as statistical or demographic data for any purpose. Aggregated data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect aggregated data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this policy.

We do not collect any special categories of personal data about you through our Website (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

We collect, use, store and transfer different kinds of personal data about you. We have grouped together the following categories of personal data to explain how this type of information is used by us.

These terms are used throughout this Notice:

• “Contact Data”: including your residential address, work address, email address and telephone numbers;
• “Identity Data”: including your first name, last name, username or similar identifier, title;
• “Website User Data”: Usernames, Passwords and other security related information used by you in relation to our services
• “Transaction Data: Transactional history about your e-commerce activities, buying behaviour. Information pertaining any other traveller(s) for whom you made a booking through your registered Efficient Forex account. In such case, you must confirm and represent that each of the other traveller(s) for whom a booking has been made, has agreed to have the information shared by you disclosed to us and further be shared by us with the concerned service provider(s). “Marketing and Communications Data”: including your marketing and communication preferences. We also track when you receive and read marketing communications from us, which information we use to improve our marketing services, provide you with more relevant information and improve the quality of our marketing materials. Additional information about the personal data we process in connection with marketing is included with the marketing communications we send you;
• “Public Domain or Third Party Data”: Data available in public domain or received from any third party including social media channels, including but not limited to personal or non-personal information from your linked social media channels (like name, email address, friend list, profile pictures or any other information that is permitted to be received as per your account settings) as a part of your account information.
• “Profile Data”: including information collected progressively when you visit our site including your referral website, pages you visit, actions you take, patterns of page visits and information from forms you fill in;
• “Technical Data”: includes information collected when you access our website, mobile site or mobile app your internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you are using; and
• “Usage Data”: information about how you use our Website.
• “Any other Personal Data”: If you request Efficient Forex to provide visa related services, then copies of your passport, bank statements, originals of the filled in application forms, photographs, and any other information which may be required by the respective embassy to process your visa application. If you request Efficient Forex to provide foreign exchange (forex) related services then passport copies, A2 form, air tickets or travel authentication document to verify confirmed travel or any other documents required to process your Forex transaction

The only way we will get any kind of personal data is if you choose to give it to us in the following circumstances:

(a) Direct interaction:

• When you make an enquiry or quotation request or make a reservation or purchase from our ‘Website’ or through our customer service team - by email(s), letter(s), fax, on the phone or in physical store
• When you register with us, subscribe to our newsletter, enter in lucky draws/competitions/surveys/feedback, send us queries or register for promotions
• When you engage with us in any online or offline event, promotions, page hosted by us on a third party platform or location
• Through cookies on our Website

(b) Cookies and other technologies:

• We receive Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please check cookie policy for further details of the information collected.

(c) Third parties or publicly available sources:

• We receive Technical Data from analytics providers such as Google

When you use our Website we will use your personal data in the following circumstances:

• a) “performance of a contract”: where we need to perform a contract which we are about to enter into or have entered into with you as a party or to take steps at your request before entering into such a contract;
• b) “legal or regulatory obligation”: where we need to comply with a legal or regulatory obligation that we are subject to;
• c) “legitimate interests”: where necessary for our interests provided that your fundamental rights do not override such interests. This can mean, for instance, that it is in our interest, to monitor how you are using our Website or client portals to ensure that the security of our Website or client portals or systems is maintained. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests; and
• d) “consent”: We rely on consent as a legal basis for processing your personal data in relation to sending direct marketing communications to you via email or text message.

We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).

We will only process (i.e. use) your personal data when the law allows us to, that is, when we have a legal basis for processing. We generally use the information to establish and enhance our relationship with our users for the following purposes:

While you make a booking:

• We may use your Personal Information available with us to ease your booking process. This information may include all the data provided by you earlier i.e. contact data. We may also use the information of travellers list as available in or linked with your account. This information is presented to the User at the time of making a booking to enable you to complete your bookings expeditiously.

We may also use your Personal Information for several reasons including but not limited to:

• keep you informed of the transaction status
• send booking confirmations either via SMS or WhatsApp or any other messaging service
• send any updates or changes to your booking(s)
• allow our customer service to contact you, if necessary
• confirm your reservations with respective service providers
• customize the content of our website, mobile site and mobile app
• request for reviews of products or services or any other improvements
• send verification message(s) or email(s)
• validate/authenticate your account and to prevent any misuse or abuse
• contact you on your birthday/anniversary to offer a special gift or offer
• send you important notices and communications regarding our products and services availed or changes to the terms and conditions and/or policies
• send information about products and services offered by Efficient Forex and its affiliates
• send you payment reminders and/or travel vouchers
• Newsletters to keep you updated on the travel sector. In the event that you don’t wish to receive such intimation, you may unsubscribe this facility in the email message you receive

We may share your personal data to third parties for reasons cited below but not limited to:

• Where it is necessary to process your booking, enquiry or participation.
• To fulfil the service offering and/or to make booking, reservation, blocking and any such activity initiated by user.
• We may share personal data with companies who provide services such as information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in our products and services, and conducting customer research or satisfaction surveys. These companies are obligated to protect your information.

We may use your personal information for Marketing Promotions, Research and other programs

• As a registered user, you will receive our latest product and service announcements, offers, promotions and event updates. If you wish to unsubscribe, you can choose to do so
• We may also use the personal data to improve our product offering, develop and deliver products, services, content and advertising.
• Personal data may also be used internally for research, analysis and auditing
• Efficient Forex may from time to time launch promotions to give its Users an opportunity to win great travel and travel related prizes. During such activity the personal information collected by us may include contact information and survey questions. We will use such information to notify contest winners and survey information to develop promotions and product improvements.
• Efficient Forex may launch travel referral or reward programs from time to time by way of which users would win travel related rewards or other rewards. We may use your personal information to enrol you in the rewards program. Depending on the reward program, each time you win a reward, Efficient Forex may share your personal information with a third party that will be responsible from fulfilling the reward to you. You may however choose to opt out of such reward program if you choose to do so. Here too while rewarding any user we at times may verify information of customers on selective basis for various purposes such as fraud protection or any other purpose.

Non-personal data is data which can never be used to identify an individual. We may collect information regarding customer activities on our various portals. This aggregated information is used in research, analysis, to improve and monitor products and for various promotional schemes. It may be shared in aggregated, non-personal form with third party to enhance customer experience, products offering or services.

We use cookies and other technologies to enhance your experience when you use our Website. To that effect, we have developed a cookie policy to familiarize you with our practices. You can access the cookie policy

For your convenience, our Website provides links to other sites. When you click on one of these links, you are leaving our Website and entering another site. We are not responsible for such third party sites. You should carefully review the privacy statements of any other sites you visit, because those privacy statements will apply to your visit to such other sites.

Group Companies (Companies in the same group):

In the interests of improving personalization and service efficiency, we may, under controlled and secure circumstances, share your Personal Information with our affiliate or associate entities.
If the assets of Efficient Forex are acquired, our customer information may also be transferred to the acquirer depending upon the nature of such acquisition. In addition, as part of business expansion/development/restructuring or for any other reason whatsoever, if we decide to sell/transfer/assign our business, any part thereof, any of our subsidiaries or any business units, then as part of such restructuring exercise customer information including the Personal Information collected herein shall be transferred accordingly.

Service Providers and suppliers:

Your information shall be shared with the end service providers like airlines, hotels, bus service providers, cab rental, railways or any other suppliers who are responsible for fulfilling your booking. You may note that while making a booking with Efficient Forex you authorize us and consent to share your information with the said service providers and suppliers. It is pertinent to note that Efficient Forex does not authorize the end service provider to use your information for any other purpose(s) except as for fulfilling their part of service. Efficient Forex does not sell or rent individual customer names or other Personal Information of Users to third parties except sharing of such information with our business/alliance partners or vendors who are engaged by us for providing various services and for sharing promotional and other benefits to our customers from time to time basis their booking history with us.

Third Party Vendors and Business Partners:

We may also share certain filtered Personal Information to our corporate affiliates or business partners who may contact the customers to offer certain products or services, which may include free or paid products / services, which will enable the customer to have better travel experience or to avail certain benefits specially made for Efficient Forex customers. Examples of such partners are entities offering savings/EMI on travel, co-branded credit cards, travel insurance, insurance cover against loss of wallet, banking cards or similar sensitive information etc. If you choose to avail any such services offered by our business partners, the services so availed will be governed by the privacy policy of the respective service provider.

Efficient Forex may share your Personal Information to third party that Efficient Forex may engage to perform certain tasks on its behalf, including but not limited to payment processing, data hosting, and data processing platforms.
We may provide non personal data based on this data to suppliers, advertisers, affiliates and other current and potential business partners. We may also use such aggregate data to inform these third parties as to the number of people who have seen and clicked on links to their websites.

Occasionally, Efficient Forex will hire a third party for market research, surveys etc. and will provide information to these third parties specifically for use in connection with these projects. The information (including aggregate cookie and tracking information) we provide to such third parties, alliance partners, or vendors are protected by confidentiality agreements and such information is to be used solely for completing the specific project, and in compliance with the applicable regulations.

Where required, we will (subject to our professional obligations and any terms of business which we may enter into with you) disclose your personal data to:

• any person or entity to whom we are required or requested to make such disclosure by any court of competent jurisdiction or by any governmental, taxation or other regulatory authority, law enforcement agency or similar body;
• our professional advisers or consultants, including lawyers, bankers, auditors, accountants and insurers providing consultancy, legal, banking, audit, accounting or insurance services to us; and
• Service-providers who provide information technology and system administration services to us.

Due to the multinational character of Efficient Forex, some of the affiliated companies and other recipients may be located in countries (including the United States) that do not provide a level of data protection equivalent to that set forth by the law in your home country. Efficient Forex will take steps to make sure that such recipients act in accordance with applicable law and provide an adequate level of protection for your personal data including appropriate technical and organizational security measures, also through implementation of appropriate contractual measures to secure such transfer, in compliance with the applicable law.

Efficient Forex provides an option to its users to post their experiences by way of reviews, blog articles, ratings and general poll questions. The customers also have an option to give their feedback or ask questions w.r.t a service offered by Efficient Forex or post answers to questions raised by other users. Efficient Forex may also engage a third party to contact you and gather your feedback about your recent booking with Efficient Forex. Though the participation in the feedback process is purely optional, you may still receive emails, notifications (app, SMS, WhatsApp or any other messaging service) for you to share your review(s). These reviews may be written (with or without images) or in video format. The reviews written or posted will be visible on Efficient Forex and may also be visible on other travel or travel related platforms.

The User Generated Content that Efficient Forex collects may be of the following kinds:

• Articles for Website or Blog


• Review and Ratings


• Question and Answers


• Crowd Source Data Collection (poll questions).

Each User who posts review or ratings, Q&A, photographs shall have a profile, which other Users will be able to access. Other Users may be able to view the number of trips, reviews written, questions asked and answered and photographs posted Each User shall be diligent and take due care to ensure that the views expressed by you on the social media platform or Efficient Forex website is not derogatory or oppose to law, public policy, morality, religion, caste, creed, colour, sex, race, culture, ethics, customs, traditions, decency, good conscience, third party intellectual property etc. By uploading pictures, views, images, contents, visuals, audios, experiences etc. on the social media platform or Efficient Forex website, you consent to Efficient Forex to use, reproduce, copy, upload pictures, views, look and feel, images, contents, visuals, audios, experiences etc. in any manner, as may deem fit by Efficient Forex, without any responsibility, liability, compensation or cost due to you or any third party, on the part of Efficient Forex. Efficient Forex hereby disclaims all or any disputes, responsibilities, liabilities, litigations, costs, expenses, compensations etc., arising with respect to or in connection with the use, reproduction, copying, uploading of pictures, views, look and feel, images, contents, visuals, audios, experiences etc. contributed, shared, expressed by you, or on your behalf and/or otherwise to any third party.

When the Efficient Forex app is installed on your phone a list of permissions will appear and are needed for the smooth functioning of the application. The permissions that Efficient Forex requires and the data that shall be accessed and its use are as below:

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Android permissions:

Location: This permission enables us to give you the nearest branch details from your location in case you require any physical assistance with regards to any travel query.

SMS: If you allow us to access your SMS, we can send you SMS related to ‘OTP’ and send holiday package details to your mobile number.

Phone: The app requires access to make phone calls so that you can make phone calls to our customer contact centers directly through the app.

Contacts: If you allow us to access your contacts, it enables us to provide a lot of social features to you such as sharing holiday packages with your friends, etc.

Photo/ Media/ Files: The libraries in the app use these permissions to save and cache images and document data for your ease and faster use of the app while you browse with us the next time. By saving image and document data locally, your phone doesn't need to re-download the same every time you use the app.

IOS Permissions:

Notifications: If you opt in for notifications, it enables us to send across exclusive deals, promotional offers, travel related updates, etc. on your device.

Taking into account the costs of implementation and the nature, scope, context and purposes of processing as well as the risk of varying likelihood and severity for the rights and freedoms of natural persons, we implement appropriate technical and organisational measures to ensure a level of security appropriate to the risk of processing, including:

(a) the pseudonymisation and encryption of personal data;

(b) the ability to ensure the ongoing confidentiality, integrity, availability and resilience of processing systems and services;

(c) the ability to restore the availability and access to personal data in a timely manner in the event of a physical or technical incident; and

(d) a process for regularly testing, assessing and evaluating the effectiveness of technical and organisational measures for ensuring the security of the processing.

We ensure that those who have permanent or regular access to personal data, or that are involved in the processing of personal data, or in the development of tools used to process personal data, are trained and informed of their rights and responsibilities in when processing personal data.

To protect your personal data and prevent unauthorized access, we have put in place appropriate security measures and certifications.

We have SSL site and user should use it to protect the information transmission while transacting online.

We require any third parties processing your information to do the implement the same levels of protection with respect to your data.

While no system is full-proof, including ours, we will continue using internet security procedures to ensure your data remains safe with us. By opening, browsing, using this site for transactions or storing any data/information, you agree to comply with the latest revised privacy notice in effect at such time. If you use some social networking or other service which maintains your information, it is governed by their terms of use and privacy notice.

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for. This includes, for example, the purposes of satisfying any legal, regulatory, accounting, reporting requirements, to carry out legal work, for the establishment or defence of legal claims.

We will retain your personal data in our databases in accordance with our document management, retention and destruction policy and applicable laws. This period may extend beyond the end of your relationship with us, but it will be only as long as it is necessary for us to have sufficient information to respond to any issues that may arise later. For example, we may need or be required to retain information to allow you to obtain credit for trip you purchased but had to cancel. We may also need the retain certain information to prevent fraudulent activity; to protect ourselves against liability, permit us to pursue available remedies or limit any damages that we may sustain; or if we believe in good faith that a law, regulation, rule or guideline requires it.

In some circumstances we may anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.

This notice is effective as of September 24, 2018. We reserve the right to update or change this Policy at any time, and we will provide you with the updated policy when we make any substantial updates at the earliest either through email or by providing a prominent notice of change on our Website. You should check the policy periodically. Your continued use of our Website after we post any modifications to the policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified notice.

Under certain circumstances, you have rights under applicable data protection laws in relation to your personal data. It is our policy to respect your rights and we will act promptly and in accordance with any applicable law, rule or regulation relating to the processing of your personal data.

Details of your rights under General Data Protection Regulation (GDPR) are set out below:

(a) right to be informed about how personal data is used – you have a right to be informed about how we will use and share your personal data. This explanation will be provided to you in a concise, transparent, intelligible and easily accessible format and will be written in clear and plain language;

(b) right to access personal data – you have a right to obtain confirmation of whether we are processing your personal data, access to your personal data and information regarding how your personal data is being used by us;

(c) right to have inaccurate personal data rectified – you have a right to have any inaccurate or incomplete personal data rectified. If we have disclosed the relevant personal data to any third parties, we will take reasonable steps to inform those third parties of the rectification where possible;

(d) right to have personal data erased in certain circumstances – you have a right to request that certain personal data held by us is erased. This is also known as the right to be forgotten. This is not a blanket right to require all personal data to be deleted. We will consider each request carefully in accordance with the requirements of any laws relating to the processing of your personal data;

(e) right to restrict processing of personal data in certain circumstances – you have a right to block the processing of your personal data in certain circumstances. This right arises if you are disputing the accuracy of personal data, if you have raised an objection to processing, if processing of personal data is unlawful and you oppose erasure and request restriction instead or if the personal data is no longer required by us but you require the personal data to be retained to establish, exercise or defend a legal claim;

(f) right to data portability – in certain circumstances you can request to receive a copy of your personal data in a commonly used electronic format. This right only applies to personal data that you have provided to us (for example by completing a form or providing information through a Website). Information about you which has been gathered by monitoring your behaviour will also be subject to the right to data portability. The right to data portability only applies if the processing is based on your consent or if the personal data must be processed for the performance of a contract and the processing is carried out by automated means (i.e. electronically);

(g) right to object to processing of personal data in certain circumstances, including where personal data is used for marketing purposes – you have a right to object to processing being carried out by us if (a) we are processing personal data based on legitimate interests or for the performance of a task in the public interest (including profiling), (b) if we are using personal data for direct marketing purposes, or (c) if information is being processed for scientific or historical research or statistical purposes. You will be informed that you have a right to object at the point of data collection and the right to object will be explicitly brought to your attention and be presented clearly and separately from any other information; and

(h) right not to be subject to automated decisions where the decision produces a legal effect or a similarly significant effect – you have a right not to be subject to a decision which is based on automated processing where the decision will produce a legal effect or a similarly significant effect on you.

You may exercise any of the above-mentioned rights by sending a request to efficientforex@gmail.com . You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

Additionally, in case you have any questions, comments or concerns about this Policy, you may contact efficientforex@gmail.com .

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We try to respond to all legitimate requests within one calendar month. Occasionally it may take us longer than one calendar month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.