Privacy Policy

1 Introduction

KKGIF Services Private Limited values your privacy and is committed to protecting your personal, financial, identification, contact and service-related information. This Privacy Policy explains how we collect, use, verify, process, store, protect, share and retain information when you visit our website, submit an enquiry, apply for loan assistance, use our multi services, upload documents, communicate with our team or make any service request.

By using our website, submitting your details, uploading documents, applying for any service, communicating with our representatives or continuing to use our services, you agree to the terms of this Privacy Policy.

2 Scope of this Privacy Policy

This Privacy Policy applies to information collected through:

• Our website, online forms, landing pages and customer enquiry forms.
• Loan assistance, financial services and multi-service applications.
• Phone calls, WhatsApp messages, SMS, emails, chat support and customer support channels.
• Documents uploaded or submitted physically, digitally or through any authorized channel.
• Service requests submitted through our staff, employees, partners, branches, agents or support team.
• Payment, billing, refund, customer verification, application tracking and support processes.

3 Information We May Collect

Depending on the service requested by you, we may collect the following information:

4 How We Collect Information

We may collect your information through the following sources:

• Information directly provided by you through forms, calls, WhatsApp, email or documents.
• Information provided by your authorized representative, co-applicant, guarantor, employer or business associate.
• Information generated during eligibility checking, verification, application processing or service delivery.
• Information received from banks, NBFCs, lenders, portals, service providers, credit bureaus or verification agencies, where applicable.
• Information collected automatically through our website, cookies, analytics tools and technical systems.

5 Purpose of Using Your Information

We may use your information for the following purposes:

• To verify your identity, contact details, documents, income, employment, business and eligibility.
• To process loan assistance, financial service requests, multi-service requests and online applications.
• To check eligibility with banks, NBFCs, lenders, portals or third-party service providers.
• To submit applications, documents, forms or service requests to relevant institutions or portals.
• To communicate application status, document requirements, payment updates, service updates and support messages.
• To provide customer support, complaint resolution, service tracking and after-service communication.
• To prevent fraud, misuse, unauthorized transactions, fake documents and suspicious activities.
• To comply with applicable legal, regulatory, audit, accounting, tax and contractual requirements.
• To improve our website, services, customer experience, internal systems and operational performance.
• To send service-related notifications, reminders, offers, updates or promotional communication where permitted.

6 Loan and Financial Services Data Use

For loan and financial services, your information may be used for eligibility checking, credit assessment, document review, income assessment, bank statement review, lender matching, file preparation, application submission, verification coordination, sanction support and disbursement coordination.

Your information may be shared with banks, NBFCs, financial institutions, lenders, credit bureaus, verification agencies, legal/technical agencies, payment partners or other authorized service providers for processing the requested financial service.

7 Multi Services Data Use

For multi services, digital services, documentation services, online forms, public service support, certificate/application assistance, billing/payment support or other service requests, your information may be used for form filling, verification, document upload, application submission, tracking, correction, support and communication with relevant portals, departments, vendors or service providers.

8 Sharing of Information

We may share your information only when required for service delivery, verification, legal compliance or business operations. Information may be shared with:

• Banks, NBFCs, lenders, financial institutions and loan partners.
• Credit bureaus, verification agencies, legal agencies, technical agencies and field investigation teams.
• Government departments, public portals, private portals, service vendors and authorized third-party providers.
• Payment gateways, banks, UPI partners, billing partners and refund/payment processing partners.
• Technology providers, cloud/storage providers, CRM/software providers and customer support service providers.
• Employees, consultants, branches, partners, authorized representatives or support staff on a need-to-know basis.
• Law enforcement agencies, courts, regulators, government authorities or auditors when required by law.
• Any third party with your consent or as necessary to complete your requested service.

9 Consent and Authorization

By submitting your information, documents or service request, you authorize KKGIF Services Private Limited to use, verify, process and share your information with relevant banks, NBFCs, lenders, portals, service providers, verification agencies or other authorized parties for the purpose of providing the requested service.

You also authorize us to contact you through phone calls, SMS, WhatsApp, email or other communication channels for service updates, document requirements, verification, payment updates, reminders, support and service-related communication.

10 Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools and similar technologies to improve user experience, understand website usage, remember preferences, improve page performance and maintain security.

You may disable cookies through your browser settings. However, some website features may not work properly if cookies are disabled.

11 Data Security

We take reasonable technical, administrative and organizational measures to protect your information from unauthorized access, misuse, alteration, disclosure, loss or destruction.

• Restricted access to customer information on a need-to-know basis.
• Use of password protection and access control where applicable.
• Secure handling of documents and customer records.
• Regular review of internal processes and service records.
• Reasonable steps to prevent unauthorized disclosure or misuse of data.

12 Data Retention

We may retain your information for as long as required for service processing, customer support, legal compliance, accounting, audit, fraud prevention, dispute resolution, regulatory requirements or legitimate business purposes.

After the retention period is over and when the information is no longer required, we may delete, anonymize, archive or securely dispose of the data as per our internal process and applicable requirements.

13 Your Rights and Choices

Subject to applicable laws and service requirements, you may have the following rights:

• Request access to your personal information available with us.
• Request correction or update of inaccurate or incomplete information.
• Request deletion of information, subject to legal, regulatory, contractual or service-related limitations.
• Withdraw consent for future processing, where processing is based only on consent.
• Opt out of promotional communication, while service-related communication may still continue.
• Raise a complaint regarding handling of your personal information.

Some requests may not be accepted if the data is required for legal compliance, fraud prevention, active service processing, dispute resolution, audit, accounting or contractual obligations.

14 Accuracy of Information

You are responsible for providing accurate, complete, valid and updated information. If the information provided by you is incorrect, incomplete, fake, outdated or misleading, your service request, loan application, document application or other service may be delayed, rejected or cancelled.

15 Third-Party Links and Platforms

Our website or service communication may contain links to third-party websites, portals, payment gateways, lender pages, government portals or partner platforms. We are not responsible for the privacy practices, content, security or policies of such third-party websites or platforms.

You should read the privacy policy and terms of the respective third-party platform before submitting your information or making any payment on such platform.

16 Children’s Privacy

Our services are generally intended for adults and business/service applicants. We do not knowingly collect personal information from minors except where it is required for a lawful service and provided by a parent, guardian or authorized person.

17 Marketing and Service Communication

We may contact you for service updates, pending document reminders, payment status, application status, support, feedback, promotional offers or information about our services. You may request to stop receiving promotional communication; however, necessary service-related communication may continue.

18 Changes to this Privacy Policy

KKGIF Services Private Limited may update, revise or modify this Privacy Policy from time to time. Any updated Privacy Policy will be effective from the date it is published on the website. Customers are advised to review this page periodically to stay informed about how their information is handled.

19 Jurisdiction

Any dispute, claim or legal proceeding arising out of or related to this Privacy Policy, collection or use of information, service request, payment, refund, cancellation or service assistance shall be subject to the jurisdiction of competent courts/authorities at Bhopal, Madhya Pradesh only.