Information Collection and use
We respect your privacy and are committed to maintaining it. In order to avail services from Kalyan Capitals, a user has to provide some basic required information to process orders include: name, email address, street address, phone number, etc as required. This information is essential for customer’s orders to be processed. This information is used by Kalyan Capitals to better serve and protects its valued customers.
We recognize your right to confidentiality and are committed to protecting your privacy. We do not furnish any identifiable information at the individual level regarding its customers to any third party. The information you give to us is held with the utmost care and security. This information is collected primarily to ensure that we are able to fulfill your requirements and to deliver you a truly personalized service experience. When navigating our website, personal information about you is not collected automatically or without your knowledge.
However, your information may be shared in the following cases.
- Where disclosure is under compulsion of law.
- Where there is duty to the public to disclose.
- Where interest of the Kalyan Capitals requires disclosure
- Where the disclosure is made with the express or implied consent of the customer.
- Where, Kalyan Capitals may utilize the information for cross selling of its own products/services.
- We may use your information to check with Credit Information Companies (CICs) to ascertain your credit score which is required for credit facilitation / sanction. We will obtain these data from CIC (s) either directly by you and / or through a bank / financial institution and share the same with banks / financial institutions only after your authorisation.
Selection Criteria
Kalyan Capitals will use various methods to assess suitability of borrowers’ loan proposals. The assessment may assign a rating / ranking / scoring which will be shared with the banks / financial institutions only after borrowers’ authorisation.
All private information is encrypted and communicated securely
All communications between your computer and Kalyan Capitals that contain any personal information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
You are responsible for maintaining the confidentiality of your login id and password
You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at our customer care centre. We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the Kalyan Capitals website Terms of Use.
Whenever there is a change to our Privacy and Security Policy we post updates on our website
We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify on this website. We encourage you to periodically review this page for the latest information on our privacy practices.
Cookies
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.
Log Files
We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Please note that the access logs collected for Kalyan Capitals contain more information than just IP addresses. They also let us know what operating system/Internet browser you use and what pages on our site you have viewed. As with your IP address, this information is not linked to personally identifiable information and is used in aggregate to ensure the functionality of the site for our visitors.
Links
This web site may contain links to other sites. Please be aware that we at Kalyan Capitals is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this website.
Surveys & Contests
From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
Tell-A-Friend
If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and email address. Kalyan Capitals will automatically send the friend a one-time email inviting them to visit the site Kalyan Capitals uses this information for the sole purpose of sending this one-time email and the information is not stored thereafter.
Supplementation of Information
In order for this website to properly fulfill its obligation to our customers, it is necessary for us to supplement the information we receive with information from 3rd party sources. We use this information to ensure that the data we have is as up-to-date as possible.
Special Offers
If you consent, to notify you of products or special offers that may be of interest to you. You agree that you do not object to us contacting you for any of the above purposes whether by telephone, e-mail SME, our mobile APP, in writing or any other mode of information dissemination and you confirm that you do not and will not consider any of the above as being a breach of any of your rights under the Telecommunications (Data Protection and Privacy) Regulations 1999. We will not release your Personal Information to any company outside for mailing or marketing purposes.
Correction/Updating Personal Information.
If a user’s personally identifiable information changes (such as your zip code), or if a user no longer desires our service, we will endeavor to provide a way to correct, update or remove that user’s personal data provided to us. This can usually be done at the My Account page or by emailing our Customer Care department.
Choice/Opt-out
Our users are given the opportunity to ‘opt-out’ of having their information used for purposes not directly related to our site at the point where we ask for the information. For example, our registration form has an ‘opt-out’ mechanism so users who buy a product / service from us, but don’t want any marketing material, can keep their email address off of our lists.
Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether they should proceed with services that require an outside party, or not.
Notification of Changes
If we decide to change our privacy policy, we will post those changes on our Homepage so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we would notify users by way of an email. users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.
Contact
If you have any questions about this privacy statement or your dealings with Kalyan Capitals, please contact us through our mail id info@kalyancapital.com