Our Privacy Policy

We at GharValue recognize that you expect privacy and security when it comes to information that personally identifies you and allows you to be individually contacted (“Personal Information”). We have therefore adopted the following online privacy policy because we understand the need to safeguard the information you may be providing to us through our websites.

What Personal Information do we collect and hold?

We may collect your name, mailing or street address, email address, telephone number and any additional information relating to you that you provide to us directly through our websites, or indirectly through use of our websites or other online presence.

We may also collect some information that is not personal information because it does not identify you or anyone else. For example, we may collect anonymous answers to surveys or aggregated information about how users use our website.

How do we collect your Personal Information?

We collect your Personal Information directly from you unless it is unreasonable or impractical to do so. When collecting Personal Information from you, we may collect in several ways including:

  • through your access and use of our website
  • by telephone, newsletter, or email
  • during conversations between you and our representatives
  • when you enter competitions, or participate in promotions, or when you request information or material from us
  • completing surveys, providing feedback, or complaining to us

How do we gain your consent?

When you visit our websites, access our websites, sign up or login to our websites, you automatically consent to the collection and use of your Personal Information by GharValue.


When you access our website, we may send a “cookie” (which is a small summary file containing a unique ID number) to your computer. This enables us to recognize your computer. It also enables us to keep track of your activity on our website for a period of time. We also use cookies to measure traffic patterns, to determine which areas of our website have been visited and to measure transaction patterns in the aggregate. We use this to research our users’ habits so that we can improve our online products and services. Our cookies do not collect Personal Information. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.

We may log IP addresses (that is, the electronic addresses of computers connected to the internet) to analyze trends, administer the website and track user’s movements.

For what purposes do we collect, hold, use and disclose your Personal Information?

We collect Personal Information about you so that we can perform and improve our business activities and functions and to provide the best quality of customer service possible.

We collect, hold, use and disclose your Personal Information for the following purposes:

  • to provide products and services to you and to send communications requested by you;
  • to answer enquiries and provide information about existing and new products or services;
  • to provide you with possible access to protected areas of our website;
  • to assess the performance of the website and to improve the operation of the website;
  • to update our records and to keep your contact details up to date;
  • to process and respond to any complaint made by you;
  • to comply with any law, rule, regulation, lawful and binding determination, decision or direction of a regulator, or to cooperate with any governmental authority of any country, at the central/federal, state, or local level

Your Personal Information will not be shared, sold, rented, or disclosed to any person other than as described in this Privacy Policy.

What is the process for complaining about a breach of privacy?

If you believe that your privacy has been breached by us, please contact us using the contact information below and provide details of the incident so that we can investigate it. We will deal with the complaint in accordance with our then current Complaints Handling Procedure.


As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any Personal Information or other information which you transmit to us online is transmitted at your own risk.

Contacting us

If you have any questions or concerns about this privacy policy, or have any feedback regarding the treatment of your privacy, please use the contact link on our website. We will treat your request or complaint confidentially. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in a timely and appropriate manner.

Please contact us at:

Changes to our privacy policy

We may change this privacy policy from at any time, with or without notice. Any updated versions of this privacy policy will be posted on our website. All users visiting our website are expected to be aware of the prevailing privacy policy and to have consented to the terms and conditions then in force.

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