KPMD Sales, including its online platform www.kpmdsales.com values and respects your privacy. We are committed to safeguarding the confidentiality, integrity, and security of the personal information entrusted to us.

This Privacy Policy explains how we collect, use, store, process, and disclose your information when you access or use our Website and Mobile Application. By using our services, you agree to the practices described in this Policy.

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1. Data Controller

Your personal information is collected and processed by KPMD Sales, along with its parent company, affiliates, representatives, and authorized business partners. All data is stored on secure servers located in India.

2. Information We Collect

• Basic details such as name, email address, mobile number, date of birth, and city.
• Information required to access specific financial products or services.
• Device permissions such as camera, microphone, and location access for onboarding and KYC (with your consent).
• Information received from third-party partners, financial institutions, or service providers.
• Technical and usage data collected automatically during platform usage.

3. Cookies & Tracking Technologies

We use cookies and similar technologies to maintain session continuity, personalize your experience, analyze performance, and improve our services. You may disable cookies in your browser settings, though some features may not function properly.

4. How We Use Your Information

• Account registration and service processing.
• Customer support and grievance resolution.
• Sending alerts, SMS, emails, and promotional communications.
• Compliance with regulatory requirements including RBI digital lending guidelines.
• Fraud prevention, risk assessment, and internal analytics.
• Improving platform functionality and user experience.

5. Purpose of Collection

• Facilitating and delivering financial services.
• Identity verification and KYC compliance.
• Fraud detection and prevention.
• Providing personalized offers and advertisements.
• Compliance with applicable laws and contractual obligations.

6. Sharing & Disclosure of Information

We do not sell or rent your personal information. However, we may share your data with:

• Group companies and affiliates
• Banks and NBFCs
• Payment gateways and aggregators
• Credit Information Companies (CICs)
• Regulatory authorities
• Authorized service providers and partners

Such sharing is strictly limited to service fulfillment, compliance requirements, and legitimate business operations.

7. Data Storage & Retention

All personal information is stored on secure servers located in India and retained only as long as required under applicable Indian laws and regulatory obligations.

8. Your Rights & Control

You have the right to access, review, update, or request deletion of your personal information (subject to legal obligations). You may manage your information through your account or contact us at:

Email: support@kpmdsales.com

9. Withdrawal of Consent

You may withdraw your consent at any time by writing to:

Email: info@kpmdsales.com

Please note that withdrawal of consent may impact your ability to access certain services.

10. Log Files & Technical Data

We automatically collect certain technical information including IP address, browser type, ISP details, referring/exit pages, timestamps, and clickstream data for analytics, system administration, fraud prevention, and service improvement.

11. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information. However, no method of internet transmission is completely secure.

12. Third-Party Links & Advertising

Our Website and App may contain links to third-party websites or display advertisements. KPMD Sales is not responsible for the privacy practices of such external platforms. We encourage users to review their privacy policies before sharing personal information.