1. Introduction

Karyam Finserv Private Limited ("Karyam Finserv", "we", "our", or "us") is committed to safeguarding the privacy of our clients and visitors. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with the Digital Personal Data Protection Act, 2023, and other applicable laws in India.

2. What Constitutes Personal Data
"Personal Data" refers to any information that relates to an identified or identifiable individual, including but not limited to name, contact details, identification numbers, financial information, and any other data that can be linked to an individual.

3. Information We Collect
The type of personal data we collect depends on your interactions with us and may include:

• Identity & Contact Information: Name, address, date of birth, gender, email address, phone number, and identification documents (e.g., PAN, Aadhaar).

• Financial Information: Bank account details, income details, investment history, and other financial data relevant to the services we provide.

• Employment Details: Occupation, employer information, and related data for service eligibility assessments.

• Digital Information: IP address, browser type, device information, and usage data collected through cookies and similar technologies.

• Other Information: Any additional data you provide through forms, surveys, or direct communication with us.
   

4. How We Collect Your Data
We collect personal data through various means, including:

• Direct interactions: When you fill out forms on our website, communicate with us via email or phone, or use our services.

• Automated technologies: As you interact with our website, we may collect technical data about your equipment and browsing actions.

• Third-party sources: We may receive information about you from third parties, such as credit bureaus or partners, in accordance with applicable laws.
   

5. Use of Your Personal Data
We use your personal data for purposes including:

• Providing and managing our financial services, including insurance and investment products.

• Processing transactions and managing your accounts.

• Conducting identity verification and risk assessments.

• Communicating with you about our services, updates, and promotional offers.

• Complying with legal and regulatory obligations.

• Improving our website, services, and customer experience.
   

6. Sharing of Information
We may share your personal data with:

• Service Providers: Third-party vendors who assist us in delivering our services.

• Regulatory Authorities: Government bodies and law enforcement agencies as required by law.

• Business Partners: Entities with whom we have partnerships to offer co-branded services or joint offerings.

• Affiliates: Our subsidiaries and affiliated companies for internal administrative purposes.

We ensure that any third parties with whom we share your data are obligated to protect it and use it only for the purposes specified by us.

7. Data Security
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Secure servers and encryption protocols.

• Access controls and authentication mechanisms.

• Regular security assessments and audits.
   

8. Cookies and Tracking Technologies
Our website uses cookies to enhance user experience and analyze site traffic. Cookies are small data files stored on your device. You can control the use of cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

9. Your Rights
Under applicable laws, you have rights regarding your personal data, including:

• Access: Request access to the personal data we hold about you.

• Correction: Request correction of inaccurate or incomplete data.

• Deletion: Request deletion of your personal data, subject to legal and contractual obligations.

• Objection: Object to the processing of your personal data for certain purposes.

To exercise these rights, please contact us at hello@karyamfinserv.com.

10. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law.

11. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children without parental consent.

12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the effective date.

13. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact:
Grievance Officer
Karyam Finserv Private Limited
401- Pent House, Bella Villa, Owners Court Layout, Kasavanahalli Main Road, Bangalore 560035, Karnataka
Email: hello@karyamfinserv.com
Phone: +91-93538-80229 / +91-99019-28575