1Information we collect
Information you give us — on our website enquiry form, by phone, email or WhatsApp, or at our office:
- Name, mobile number, email and address
- Loan or deposit requirement and approximate amount
- For loan or deposit applications: date of birth, identity and address proof (such as Aadhaar and PAN), income proof, bank statements and other KYC documents
- Any messages you send us
Information collected automatically — like most websites, our hosting provider may record basic technical data (IP address, browser type, pages requested, date and time) in server logs for security and troubleshooting.
Our website enquiry form does not store your details on our website. When you submit it, it opens WhatsApp with a pre-filled message that you can review and send yourself.
2How we use your information
- To respond to your enquiries and explain our loan and deposit products
- To process applications and assess eligibility
- To carry out KYC verification and keep records as required by law and by the Society's rules
- To manage your account, EMI schedule, repayments and deposits
- To send service messages such as reminders and account updates by call, SMS or WhatsApp
- To improve our website and services
- To comply with legal and regulatory obligations
3Sharing your information
We do not sell your personal information. We share it only in these limited cases:
- Authorities: where required by law, a court order or a direction from a competent authority, such as the Registrar of Co-operative Societies or other regulators
- Credit information companies: reporting loan performance where applicable and permitted
- Banks and financial institutions: where they are involved in disbursing, co-lending or servicing your loan
- Service providers: vendors who help with IT, communication or document verification, bound by confidentiality obligations
- With your consent: any other sharing happens only with your permission
We do not share your Aadhaar, PAN or financial documents with unauthorised parties. Access is limited to people who need it to serve you.
4Data security
- Physical documents are kept in access-controlled premises at our Nagpur office
- Digital records are protected with password-controlled access and regular backups
- Staff who handle personal data are required to keep it confidential
No method of transmission or storage is completely secure. If you suspect unauthorised access to your information, please contact us immediately.
5How long we keep data
We keep personal information only for as long as needed for the purpose it was collected or as required by applicable law and the Society's record-keeping rules:
- Loan and deposit account records and KYC documents: for a minimum of 8 years after the account is closed
- Correspondence and communication records: 3 years
- Website server logs: up to 12 months
After that, data is securely destroyed or anonymised.
6Your rights
Under applicable law, including the Digital Personal Data Protection Act, 2023, you may:
- Access a summary of the personal data we hold about you
- Correct or update inaccurate or incomplete data
- Request erasure of data we no longer need to keep (subject to legal record-keeping duties)
- Withdraw consent you have given (this may affect our ability to process your application)
- Opt out of promotional messages
- Raise a grievance with us, and escalate to the competent authority if unresolved
To exercise these rights or raise a concern, write to patsanshta2013@gmail.com or call +91 82083 44872 during office hours. We will acknowledge your request and respond within a reasonable time.
7Cookies
Our website does not currently use advertising or analytics trackers. It may use basic browser features that are necessary for the site to work. You can control cookies through your browser settings. If we add analytics in future, we will update this policy first.
8Third-party services and links
This website loads fonts from Google Fonts, which means your browser connects to Google's servers when you visit. The enquiry form and WhatsApp buttons open WhatsApp, which is governed by its own privacy policy. We are not responsible for the privacy practices of external sites we link to.
9Changes to this policy
We may update this policy from time to time. The "Last updated" date at the top shows when it was last revised. Continued use of our website or services after a change means you accept the updated policy.
10Governing law
This policy is governed by the laws of India, including the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 and the Maharashtra Co-operative Societies Act, 1960. Any dispute is subject to the jurisdiction of the courts at Nagpur, Maharashtra.