Privacy Policy

1. Information We Collect

We may collect the following categories of information when you interact with us:

• Personal identification information: Name, mobile number, email address, city, and any details you provide through our contact forms, lead forms, or during a consultation.
• Financial and KYC information: When you apply for a loan or tax service through us, we may collect income details, PAN, Aadhaar, bank statements, and other documents required by our lending or compliance partners.
• Technical information: IP address, browser type, device information, and usage data collected automatically through cookies and analytics tools when you browse our website.
• Communication records: Records of calls, emails, and messages exchanged with our team for quality and training purposes.

2. How We Use Information

We use the information we collect to:

• Assess your eligibility for loan, real estate, or taxation services and process your requests.
• Connect you with our partner banks, NBFCs, or legal experts relevant to your enquiry.
• Communicate with you regarding your application, appointment, or service status.
• Improve our website, services, and customer experience.
• Send you relevant offers, updates, or marketing communications (with an option to opt out).
• Comply with applicable legal, regulatory, and audit requirements.

3. Data Sharing with Lending Partners

As a loan facilitator / Direct Selling Agent (DSA), we routinely share your application details and supporting documents with our partner banks and NBFCs solely for the purpose of processing your loan application. We only share information with partners relevant to the specific service you have requested, and we require our partners to handle your data securely and in accordance with applicable law. We do not sell your personal information to third parties for unrelated marketing purposes.

4. Cookies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and remember your preferences. You can control or disable cookies through your browser settings; however, doing so may affect certain website functionality.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

Subject to applicable law, you have the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to our legal and regulatory obligations.
• Withdraw consent for marketing communications at any time.

To exercise any of these rights, please contact our Grievance Officer using the details in Section 8 below.

7. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, including any legal, accounting, or regulatory record-keeping requirements applicable to financial services in India.

8. Grievance Officer

In accordance with applicable Indian data protection and IT laws, if you have any concerns, complaints, or grievances regarding your personal information or this Privacy Policy, please contact our Grievance Officer at: info@kavyafinancialservices.com. We aim to acknowledge and address grievances within 30 days of receipt.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.

10. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts located in Hyderabad, Telangana.