Common use of Limiting Use, Disclosure and Retention Clause in Contracts

Limiting Use, Disclosure and Retention. Information gathered from you will only be used or disclosed for the purpose for which it was collected, except as you otherwise consent to or as otherwise required or permitted by law. Depending upon the product(s)/service(s) you have applied for, we will review your credit history and information about your personal finances. With your consent, we will also disclose your credit history with us to other lenders or credit bureaus to support a credit approval process. In connection with limiting the use, disclosure and retention of your personal information, we bring to your attention the following: • We sometimes require services from suppliers and agents, such as cheque printers and market research and computer data-processing companies within and outside Canada. Before disclosing any personal information to them, we obtain their contractual commitment to keep all such information secure and confidential, and we ensure that only necessary information is disclosed. • Our client lists are for use by the Bank only and we never sell or give lists to other companies other than as provided herein. • We are required to share personal or other information subject to various government reporting requirements. • We may receive subpoenas, search warrants, and court or government orders such as production orders. In such cases, we will release only such information that is legally required to be released. • To protect the public interest, we may disclose personal information to public authorities without requesting an individuals’ consent. • In keeping with applicable requirements, we may disclose your personal information without requesting your consent to protect and defend ICICI Bank’s and its affiliates’ rights, interests or property; or, to enforce the terms and conditions of the products or services provided by ICICI Bank; or, to protect the interests of ICICI Bank or its affiliates. • Some of our agents, suppliers and service providers may be located outside of Canada. Personal information transferred and stored outside Canada is subject to the laws of those countries and if so, may be shared with foreign authorities as required by valid demands, requests or orders by courts, regulators, government authorities and law enforcement authorities in those countries. Your personal information will only be retained for the period of time required to fulfill the purpose for which it was collected or as may be required by relevant laws, whichever is greater. Following this period of time, your personal information will either be destroyed or erased. If you have not opted out of the use or disclosure of your personal information for marketing purposes, we may also use your personal information for marketing additional products and services including special promotional offers, which may be of interest to you. As stated in the “Consent” section, you may be able to withhold or withdraw consent to the use of personal information for promotional purposes.

Limiting Use, Disclosure and Retention. Information gathered from you will only be used or disclosed for the purpose for which it was collected, except as you otherwise consent to or as otherwise required or permitted by law. Depending upon the product(s)/service(sproduct(s)/ service(s) you have applied for, we will review your credit history and information about your personal finances. With your consent, we will also disclose your credit history with us to other lenders or credit bureaus to support a credit approval approv- al process. In connection with limiting the use, disclosure and retention of your personal information, we bring to your attention the following: • We sometimes require services from suppliers and agents, such as cheque printers and market research and computer data-processing companies within and outside Canada. Before disclosing any personal information to them, we obtain their contractual commitment to keep all such information secure and confidential, and we ensure that only necessary information is disclosed. • Our client lists are for use by the Bank only and we never sell or give lists to other companies other than as provided herein. • We are required to share personal or other information subject to various government reporting requirements. • We may receive subpoenas, search warrants, and court or government orders such as production orders. In such cases, we will release only such information that is legally required to be released. • To protect the public interest, we may disclose personal information to public authorities without requesting an individuals’ individu- al’s consent. • In keeping with applicable requirements, we may disclose your personal information without with- out requesting your consent to protect and defend ICICI Bank’s 's and its affiliates’ ' rights, interests or property; or, to enforce the terms and conditions of the products or services provided by ICICI Bank; or, to protect the interests of ICICI Bank or its affiliates. • The Bank may disclose personal information, without your knowledge or consent, to an investigative body when there are reasonable grounds to be- lieve that the information relates to a breach of an agreement or a contravention of the laws of Canada, a province or a foreign jurisdiction that has been, is be- ing or is about to be committed and the information is used for the purpose of investigating that contravention. • The Bank may use and disclose personal information, without requesting your consent, for the purpose of engaging in a due diligence process for a prospec- tive business transaction where such information is necessary to determine whether to proceed with the transaction. • Some of our agents, suppliers and service providers may be located outside of Canada. Personal information transferred and stored outside Canada is subject to the laws of those countries and if so, may be shared with foreign authorities as required by valid demands, requests or orders by courts, regulators, government authorities au- thorities and law enforcement authorities in those countries. Your personal information will only be retained for the period of time required to fulfill the purpose for which it was collected or as may be required by relevant laws, whichever whichev- er is greater. Following this period of time, your personal information will either be destroyed or erased. If you have not opted out of the use or disclosure of your personal information infor- mation for marketing purposes, we may also use your personal information informa- tion for marketing additional products prod- ucts and services including special promotional offers, which may be of interest to you. As stated in the “Consent” section, you may be able to withhold or withdraw consent to the use of personal information for promotional purposes.