Privacy Policy – KPMD Sales Pvt. Ltd.

At KPMD Sales Pvt. Ltd. (“we”, “our”, or “us”), your privacy matters to us. We are committed to protecting your personal information and being transparent about how we use it. This Privacy Policy explains what data we collect, why we collect it, how we use it, and your rights regarding your information.

Information We Collect

When you use our website, mobile app, or services, we may collect the following information:

• Personal Information: Name, contact details, PAN, Aadhaar (if you choose to provide), income, bank details, etc. – only as required for processing loan or finance-related services.
• Credit Information: With your permission, we may access your credit report and score from TransUnion CIBIL or other registered bureaus to assess loan eligibility.
• Device & Usage Data: IP address, device ID, browser type, and how you interact with our website or app.

Note: We do not access your phone contacts, SMS, call logs, or telephony data.

Why We Collect Your Data

We only use your data for clear, lawful purposes, such as:

• Processing loan/finance applications
• Verifying your identity and documents (KYC)
• Meeting legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our products and services
• Sending important updates (with your consent for promotions)

How We Process and Protect Data

• You share your data through our website, mobile app, or secure document upload channels.
• We may work with trusted third-party partners like credit bureaus and KYC providers.
• All data is encrypted, stored securely, and accessed only by authorized personnel.

Legal Grounds for Using Your Data

We use your information based on:

• Your consent (e.g., credit report checks)
• Contractual necessity (e.g., processing a loan)
• Legal obligations (e.g., compliance with KYC norms)
• Legitimate interest (e.g., fraud prevention, service improvement)

Your Rights

You have full control over your personal information. You can:

• Access your data
• Correct inaccurate details
• Withdraw your consent anytime (through our website/app)
• Opt out of promotional messages
• Request deletion or transfer of your data

Data Retention

• Credit bureau reports are kept for up to 6 months or until no longer required.
• Other personal data is stored only as long as necessary for legal, regulatory, or operational needs.
• After this, your data is securely deleted or anonymized.

Information Sharing

We do not sell your personal data. We may share it only with:

• RBI-registered banks and NBFCs to process your loan applications
• Trusted service providers (for credit checks, KYC, document verification) under strict confidentiality agreements
• Regulators or authorities if required by law

Cookies & Tracking

We use cookies and similar technologies to:

• Manage sessions
• Improve your browsing experience
• Analyze website/app performance

You can disable cookies in your browser, but some features may not work properly.

Compliance With Laws

This Privacy Policy complies with:

• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Digital Personal Data Protection Act, 2023 (India)

All disputes are subject to the courts of Delhi, India.

Children’s Privacy

Our services are not for individuals under 18 years of age. If we unknowingly collect such information, we will delete it immediately.

Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website/app. Continued use of our services after updates will be considered as your acceptance of the revised policy.

✅ This is a simplified, user-friendly version of your Privacy Policy with KPMD Sales Pvt. Ltd. as the company name.