Privacy Policy

1. Introduction

KS Finance Services ("KSF", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.ksfinanceservices.com or use our services.

2. Business Information

• Business Name: KS Finance Services
• Business Type: Proprietorship
• Address: Shop No. 104, 1st Floor, Khawaja Palace, Mumbra Devi Road, Mumbra, Thane – 400612, Maharashtra, India

3. Information We Collect

We may collect personal, financial, and technical data including:

• Name, phone number, email, PAN, Aadhaar
• Bank details, income details
• IP address, cookies, and browsing data

4. Purpose of Data Collection

We use your information to:

• Process loan and insurance services
• Assess eligibility and provide recommendations
• Communicate updates and service information
• Improve our website and services
• Comply with legal requirements

5. Sharing of Information

We do not sell your data. We may share information only after your consent with:

• Banks, NBFCs, insurance providers, and verification agencies
• Razorpay for secure payment processing
• Legal authorities when required by law

6. Payments

We collect application assessment fees via secure payment gateways (e.g., Razorpay). We do not charge loan processing fees or collect insurance premiums directly. All payment data is handled as per PCI-DSS standards.

7. WhatsApp Communication

By submitting your details, you consent to receive calls, SMS, and WhatsApp messages including offers, updates, and promotions. You may opt-out anytime by replying "STOP" or contacting our support.

8. Cookies

We use cookies and tools like Google Analytics to improve user experience, analyze trends, and gather demographic information. You can disable cookies through your browser settings.

9. Data Security

We implement reasonable security measures including encryption, firewalls, and access controls to protect your data. Only authorized personnel have access to your information, and we regularly review our security practices.

10. User Rights

You have the right to:

• Request access, correction, or deletion of your data
• Opt-out of marketing communications
• Withdraw consent for data processing

To exercise your rights, contact us using the details below.

11. Contact Information

12. Updates

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated “Last Updated” date. We encourage you to review this policy regularly to stay informed about how we protect your information.