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Legal

Privacy Policy

1. Introduction

SAJ Impact Limited ("we," "us," or "our") is committed to protecting the privacy and confidentiality of your personal and business information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (https://www.sajimpact.com), use our services, or interact with us through social media platforms.

By using our services or providing us with your information, you consent to the practices described in this Privacy Policy.

2. Information We Collect

2.1 Personal Information You Provide

We may collect the following personal information when you:

  • ●Submit a contact form or request a quote
  • ●Engage our professional services
  • ●Participate in our Knowledge Remittance Forum
  • ●Subscribe to our newsletter or communications
  • ●Communicate with us via email, phone, or social media

This information may include:

  • ●Full name
  • ●Email address
  • ●Phone number
  • ●Company/organization name and address
  • ●Job title and professional role
  • ●Business information and financial data
  • ●Asset and property information (for valuation services)
  • ●ESG and sustainability data
  • ●Financial reporting information (for IFRS 9 and advisory services)
  • ●Other information relevant to providing valuation, sustainability reporting, and advisory services

2.2 Information Automatically Collected

When you visit our website, we may automatically collect:

  • ●IP address
  • ●Browser type and version
  • ●Device information
  • ●Pages visited and time spent on our website
  • ●Referring website addresses
  • ●Cookies and similar tracking technologies
  • ●Geographic location data

2.3 Third-Party and Business Information

We may receive or collect information from:

  • ●Publicly available sources
  • ●Government agencies and regulatory bodies
  • ●Industry databases and registries
  • ●Business partners and collaborators
  • ●Professional networks and associations
  • ●Property registries and valuation databases
  • ●ESG data providers and sustainability platforms

3. How We Use Your Information

We use your personal and business information for the following purposes:

3.1 Service Delivery

  • ●Valuation services: Conducting business valuations, asset valuations, and real estate appraisals
  • ●Sustainability reporting: Preparing ESG reports aligned with international standards (GRI, SASB, TCFD, etc.)
  • ●Advisory services: Providing IFRS 9 compliance consulting, ECL modeling, financial risk management, and impact assessments
  • ●Delivering training and capacity building programs
  • ●Facilitating knowledge sharing through our Knowledge Remittance Forum

3.2 Communication

  • ●Responding to your inquiries and service requests
  • ●Sending service-related notifications and updates
  • ●Providing newsletters, insights, and thought leadership content
  • ●Sharing industry developments and regulatory updates
  • ●Marketing our services (with your consent)

3.3 Legal and Compliance

  • ●Complying with legal and regulatory requirements
  • ●Meeting professional standards and best practices
  • ●Adhering to international reporting frameworks (IFRS, GRI, SASB, etc.)
  • ●Preventing fraud and ensuring security
  • ●Protecting our legal rights and interests

3.4 Business Operations and Research

  • ●Improving our website, services, and methodologies
  • ●Conducting research and analysis
  • ●Developing benchmarks and industry insights
  • ●Managing our business operations and quality control

4. Legal Basis For Processing (Where Applicable)

We process your personal information based on:

  • ●Contractual necessity: To fulfill our service agreements with you
  • ●Legal obligation: To comply with financial reporting standards, valuation regulations, and ESG disclosure requirements
  • ●Legitimate interests: To operate our business, improve our services, conduct research, and protect against fraud
  • ●Consent: Where you have provided explicit consent for specific purposes (e.g., marketing communications)

5. How We Share Your Information

We maintain strict confidentiality standards in line with professional best practices. We may share your information with:

5.1 Service Providers and Partners

  • ●IT service providers and cloud storage services
  • ●Data analytics and ESG data platforms
  • ●Valuation databases and property registries
  • ●Professional advisors (lawyers, auditors, specialists)
  • ●Industry experts and technical consultants
  • ●Training and event management providers

5.2 Regulatory and Legal Requirements

  • ●Securities and Exchange Commission (Bangladesh)
  • ●Bangladesh Bank and other financial regulators
  • ●Environmental and sustainability regulatory bodies
  • ●Government agencies as required by law
  • ●Courts and tribunals when legally mandated

5.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5.4 Knowledge Sharing (Anonymized)

We may use anonymized and aggregated data for:

  • ●Industry research and benchmarking
  • ●Knowledge Remittance Forum discussions
  • ●Publications and thought leadership
  • ●Training and educational materials

5.5 With Your Consent

We may share your information with third parties when you have given us explicit permission to do so.

We do not sell your personal information to third parties.

6. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

  • ●Encryption of sensitive data in transit and at rest
  • ●Secure servers with firewall protection
  • ●Multi-factor authentication and access controls
  • ●Regular security audits and vulnerability assessments
  • ●Employee confidentiality agreements and training
  • ●Secure data backup and disaster recovery procedures

However, no method of transmission over the internet is 100% secure. While we strive to protect your information using industry-standard security measures, we cannot guarantee absolute security.

7. Data Retention

We retain your personal and business information for as long as necessary to:

  • ●Provide our services to you
  • ●Comply with legal and regulatory requirements
  • ●Maintain professional records (typically 7-10 years for valuation and financial advisory records)
  • ●Fulfill contractual obligations
  • ●Resolve disputes and enforce our agreements

After the retention period expires, we will securely delete or anonymize your information in accordance with our data retention schedule and applicable laws.

8. Your Rights

Depending on applicable laws, you may have the following rights:

8.1 Access and Correction

You have the right to request access to and correction of your personal information.

8.2 Deletion

You may request deletion of your personal information, subject to legal and professional retention requirements.

8.3 Objection and Restriction

You may object to or request restriction of certain processing activities.

8.4 Data Portability

You may request a copy of your personal information in a structured, commonly used format.

8.5 Withdraw Consent

Where processing is based on consent, you may withdraw your consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.

8.6 Marketing Communications

You may opt out of receiving marketing communications by:

  • ●Clicking the unsubscribe link in our emails
  • ●Contacting us directly using the information in Section 13
  • ●Updating your communication preferences

To exercise these rights, please contact us using the information provided in Section 13 below.

9. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

  • ●Remember your preferences and settings
  • ●Understand how you use our website
  • ●Improve website performance and user experience
  • ●Provide relevant content and recommendations
  • ●Analyze website traffic and engagement

Types of cookies we use:

  • ●Essential cookies: Required for website functionality
  • ●Performance cookies: Help us understand website usage
  • ●Functional cookies: Remember your preferences
  • ●Analytics cookies: Provide insights into visitor behavior

You can control cookies through your browser settings. However, disabling certain cookies may affect your ability to use some features of our website.

10. Third-Party Links and Services

Our website may contain links to third-party websites, social media platforms, and external services (including ESG databases, valuation platforms, and professional networks). We are not responsible for the privacy practices of these external sites and services.

We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can delete it.

12. International Data Transfers

As part of our operations and service delivery, your information may be transferred to and processed in countries other than Bangladesh, particularly when:

  • ●Using international ESG reporting platforms
  • ●Accessing global valuation databases
  • ●Collaborating with international partners
  • ●Utilizing cloud services with international servers

When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data in accordance with applicable laws and international best practices.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

SAJ Impact Limited (SAJ Impactbliss Limited)

House 106 (Level 5), Road 15, Sector 11

Uttara, Dhaka 1230, Bangladesh

Phone: +880 1985 109089

Email: info@sajimpact.com

Alternative email: sajimpactbliss@gmail.com

Website: https://www.sajimpact.com

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, technology, legal requirements, or other factors. We will notify you of any material changes by:

  • ●Posting the updated policy on our website
  • ●Updating the "Last Updated" date at the top of this policy
  • ●Sending you an email notification (for significant changes)
  • ●Announcing updates through our social media channels

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

15. ESG and Sustainability Commitment

As a firm dedicated to sustainability reporting and ESG advisory services, we are committed to responsible data practices that align with our values:

  • ●We handle environmental, social, and governance data with the highest standards of integrity
  • ●We support transparency and accountability in all our data practices
  • ●We minimize our environmental footprint in data storage and processing
  • ●We respect stakeholder rights and promote ethical data governance

16. Professional Standards and Confidentiality

We adhere to professional standards and best practices in our fields of expertise, including:

  • ●International Valuation Standards (IVS)
  • ●Global Reporting Initiative (GRI) Standards
  • ●International Financial Reporting Standards (IFRS)
  • ●Industry codes of ethics and professional conduct

These professional obligations may, in certain circumstances, supplement the provisions of this Privacy Policy. We maintain the highest standards of confidentiality and integrity in handling your sensitive business information.

17. Consent

By using our services, visiting our website, or providing us with your personal information, you acknowledge that you have read, understood, and agree to this Privacy Policy.

SAJ Impact Limited

Your Trust Is Our Capital