Privacy Policy

1. Introduction

KuberSathi ("we," "us," or "our") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website kubersathi.in and our loan facilitation services.

By using our Platform, you consent to the practices described in this Privacy Policy. We encourage you to read this document carefully to understand our data practices.

2. Information We Collect

We collect various types of information to provide and improve our services:

2.1 Personal Information

Category	Examples	Purpose
Identity Data	Name, PAN, Aadhaar, Date of Birth, Gender	KYC verification, Loan processing
Contact Data	Phone number, Email, Address	Communication, Service delivery
Financial Data	Bank statements, Income proof, Credit score	Loan eligibility assessment
Employment Data	Employer name, Salary slips, Work experience	Income verification
Technical Data	IP address, Browser type, Device info	Security, Analytics

2.2 Information from Third Parties

We may receive information about you from:

• Credit Bureaus: CIBIL score and credit history (with your consent)
• Lending Partners: Application status and loan details
• Verification Agencies: Employment and address verification results
• Government Databases: PAN and Aadhaar verification

3. How We Use Your Information

We use your personal data for the following purposes:

• Loan Processing: To process and facilitate your loan applications
• Identity Verification: To verify your identity through KYC checks
• Credit Assessment: To assess your loan eligibility and creditworthiness
• Communication: To send application updates, notifications, and support responses
• Legal Compliance: To comply with regulatory and legal obligations
• Fraud Prevention: To detect and prevent fraudulent activities
• Service Improvement: To analyze usage patterns and improve our Platform
• Marketing: To send promotional offers (with your consent)

4. Data Sharing & Disclosure

We may share your information with:

4.1 Lending Partners

Your application details are shared with banks and NBFCs for loan processing. This is essential for providing our core service.

4.2 Service Providers

We engage trusted third parties for verification, SMS services, payment processing, and cloud hosting. All providers are bound by confidentiality agreements.

4.3 Legal Requirements

We may disclose your data when required by law, court orders, or government authorities.

4.4 Business Transfers

In case of merger, acquisition, or sale, your data may be transferred to the new entity.

5. Data Security

We implement robust security measures to protect your data:

• Encryption: All data transmissions use SSL/TLS encryption
• Secure Storage: Data is stored on secured, access-controlled servers
• Access Controls: Strict role-based access to sensitive information
• Regular Audits: Periodic security assessments and vulnerability testing
• Employee Training: Staff trained on data protection best practices

Despite our best efforts, no security system is impenetrable. We cannot guarantee absolute security but are committed to protecting your data using industry-standard practices.

6. Data Retention

We retain your personal data for:

• Active Applications: Throughout the loan lifecycle and 7 years thereafter
• Completed Loans: 7 years from loan closure (as per regulatory requirements)
• Rejected Applications: 3 years from rejection date
• Inactive Accounts: 5 years from last activity

After the retention period, data is securely deleted or anonymized.

7. Your Rights

Under applicable data protection laws, you have the right to:

• Access: Request a copy of your personal data we hold
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your data (subject to legal obligations)
• Portability: Receive your data in a structured, machine-readable format
• Withdraw Consent: Withdraw previously given consent for data processing
• Opt-Out: Unsubscribe from marketing communications

To exercise these rights, contact us at the details provided below.

8. Cookies & Tracking

We use cookies and similar technologies to:

• Remember your preferences and login status
• Analyze website traffic and user behavior
• Personalize content and advertisements
• Prevent fraud and enhance security

You can manage cookie preferences through your browser settings. Disabling cookies may affect some Platform features.

9. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before sharing any personal information.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors. If we discover such data has been collected, we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated revision date. Significant changes may be communicated via email or Platform notifications.

Your continued use of our services after changes indicates acceptance of the updated policy.

12. Contact Us

For privacy-related queries, concerns, or to exercise your rights, please contact us:

• Website: kubersathi.in
• Email: privacy@kubersathi.in

We aim to respond to all inquiries within 30 days.