Privacy Policy

This Privacy Policy explains how KAUSTHUBHASANGAMA CHITS PVT LTD (“we”, “us”, “our”) collects, uses, shares, and protects your personal information when you visit our website, contact us, or use our services.

This Privacy Policy explains how KAUSTHUBHASANGAMA CHITS PVT LTD (“we”, “us”, “our”) collects, uses, shares, and protects your personal information when you visit our website, contact us, or use our services.

1) Information We Collect

We may collect the following types of information:

  • Personal details: name, phone number, email address, address, date of birth (where required), and other information you provide.
  • KYC and verification details: PAN/Aadhaar/ID proofs, photographs, signatures, bank details, and related documents as required for chit services and compliance.
  • Transaction and service information: payment details, chit scheme details, auction/bidding-related details, receipts, and service history.
  • Website usage data: IP address, device type, browser type, pages visited, and cookies (if enabled).

2) How We Use Your Information

We use information to:

  • Respond to enquiries and provide customer support
  • Process onboarding, KYC, and account-related activities
  • Manage chit operations, records, and communications
  • Send updates, reminders, notices, and service-related messages
  • Improve our website, services, and user experience
  • Comply with legal and regulatory obligations

3) Sharing of Information

We do not sell your personal information. We may share your information only when necessary:

  • with service providers (e.g., IT, SMS/email/WhatsApp communication providers, payment partners) who help us operate our services,
  • with regulators/government authorities or law enforcement when required by law,
  • to protect our legal rights, prevent fraud, and ensure security,
  • with your consent or as otherwise permitted by applicable law.

4) Data Security

We take reasonable administrative, technical, and physical safeguards to protect your data from unauthorized access, misuse, loss, or alteration. However, no system is 100% secure and we cannot guarantee absolute security.

5) Data Retention

We retain personal information only as long as needed for the purposes stated in this policy, including regulatory, audit, and legal requirements.

6) Cookies

Our website may use cookies to improve functionality and analytics. You can control cookies through your browser settings. Disabling cookies may impact certain site features.

7) Your Choices

You may:

  • Request access, correction, or update of your personal details (subject to verification)
  • Opt out of promotional communications (service and regulatory messages may still be sent)

8) Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices. Please review their policies separately.

9) Updates to This Policy

We may update this Privacy Policy from time to time. You may contact us anytime for questions or requests related to privacy.