🔒 Privacy Policy

📋 1. Information We Collect

We collect personal information that you voluntarily provide to us and certain data automatically when you use our website.

Information you provide directly:

• Full name, date of birth, and identification details (Aadhaar, PAN, etc.)
• Contact information: phone number, email address, and residential address
• Financial details: income proof, bank statements, employment information
• Loan application data and supporting KYC documents
• Communications you send us via phone, email, or WhatsApp

Information collected automatically:

• Browser type, device information, and IP address
• Pages visited on our website and time spent
• Referral URLs and geographic location (city/region level)

🎯 2. How We Use Your Information

We use the information we collect for the following purposes:

• Processing your loan applications and verifying your eligibility
• Conducting KYC (Know Your Customer) verification as required by RBI and cooperative banking regulations
• Managing your account, EMI schedule, and repayment tracking
• Sending you transaction alerts, reminders, and service notifications via SMS or WhatsApp
• Responding to your queries and providing customer support
• Improving our website, products, and services
• Complying with legal obligations and regulatory requirements

🤝 3. Sharing Your Information

We do not sell your personal information to third parties. We may share your data only in the following limited circumstances:

• Regulatory & Government Bodies: As required by law, court orders, or regulatory directions from RBI, NABARD, or other competent authorities
• Credit Bureaus: Reporting loan performance to CIBIL or other licensed credit information companies as mandated
• Banking Partners: With banks and NBFCs involved in co-lending or fund disbursement for your loan
• Service Providers: Trusted vendors who assist with IT systems, communications, or document verification — bound by strict confidentiality agreements
• With Your Consent: Any other sharing will only happen with your explicit permission

🔐 4. Data Security

We take the security of your personal information very seriously and implement appropriate measures to protect it:

• Physical documents are stored in secured, access-controlled premises at our Nagpur and Chandrapur offices
• Digital records are protected with password-controlled access and regular backups
• All staff handling personal data are trained on data confidentiality obligations
• We restrict access to your information to only those employees who need it to provide our services

While we take all reasonable precautions, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to contact us immediately if you suspect any unauthorized access to your data.

🗂️ 5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws:

• Loan account records and KYC documents: retained for a minimum of 8 years after loan closure, as per RBI guidelines for cooperative societies
• Correspondence and communication logs: retained for 3 years
• Website usage data: retained for up to 12 months

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

⚖️ 6. Your Rights

As a member or customer, you have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct inaccurate or incomplete data
• Objection: Object to the use of your data for marketing or promotional communications
• Withdrawal of Consent: Withdraw previously given consent (note: this may affect our ability to process your loan application)
• Grievance Redressal: Lodge a complaint with us or escalate to the relevant regulatory authority

To exercise any of these rights, please contact us at patsanshta2013@gmail.com or call us at +91 8208344872.

🍪 7. Cookies & Website Analytics

Our website may use cookies — small text files stored on your device — to enhance your browsing experience. We use cookies to:

• Remember your preferences and settings during your visit
• Understand how visitors use our website (analytics)
• Improve website performance and content relevance

You can control or disable cookies through your browser settings. Disabling cookies may affect some features of the website but will not prevent you from accessing our services.

🔗 8. Third-Party Links

Our website may contain links to external websites (such as banking partner portals or government sites). We are not responsible for the privacy practices of those websites. We encourage you to read the privacy policy of any site you visit through our links.

📝 9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or regulatory guidance. When we make significant changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this policy periodically. Continued use of our services after any changes constitutes your acceptance of the updated policy.

🏛️ 10. Governing Law & Jurisdiction

This Privacy Policy is governed by the laws of India, including applicable provisions of the Information Technology Act, 2000 and its amendments, and the Maharashtra Co-operative Societies Act, 1960. Any disputes arising under this policy shall be subject to the jurisdiction of courts in Nagpur, Maharashtra.