Privacy Policy

1. Introduction

This Privacy Policy ("Policy") explains how Deepkosh Solutions Pvt. Ltd. ("Sahyogi," "we," "us," or "our") collects, uses, stores, processes, and protects personal information when you access or use our website, mobile app, or services ("Service"). By using our Service, you consent to the practices described here.

2. Data We Collect

We may collect, directly or indirectly, the following types of information:

• Identity & Contact Data: Name, email, phone, mailing address, age/date of birth, demographic details.
• Socio‑economic & Personal Data: Income, employment, qualifications, interests, preferences.
• KYC / Sensitive Identifiers: PAN, Aadhaar, passport, driver's license (as required).
• Financial Data: Bank account numbers for transactions.
• Technical & Usage Data: IP address, browser, device type, location signals, log data.
• Communication & Marketing Data: Preferences, subscription history, feedback.

3. How We Use Your Data

We process your data for purposes including:

• Delivering, improving, and personalizing our Service
• Identity verification and compliance
• Customer service support
• Fraud detection and security
• Sending updates, offers, and newsletters
• Analytics, product development, training, quality assurance
• Responding to legal requests and third-party obligations

4. Data Sharing & Transfers

We may share your data with:

• Internal: subsidiaries, affiliates
• Service Providers: payment processors, analytics, IT, customer support
• Financial Partners: banks, credit bureaus, KYC/AML agencies
• Government/Legal: to comply with laws, court orders, or for fraud investigations
• Business Transactions: during mergers, acquisitions, or asset transfers

We ensure these recipients follow necessary confidentiality, security, and legal obligations.

5. Cookies & Tracking

We use cookies, web beacons, and similar tech to understand usage, personalize your experience, and deliver analytics or targeted ads. You may disable cookies via your browser, though it may impact your experience.

6. Data Security

We implement technical and organizational safeguards—such as encryption, SSL, firewalls, access controls, and regular reviews—to protect your data. However, no system can guarantee absolute security.

7. Data Retention

We retain your personal data only as long as necessary for the purposes above, or as required by law (e.g., tax or regulatory compliance). After use, data is securely destroyed or anonymized.

8. Your Rights

Subject to applicable law, you may:

• Access and receive a copy of your data
• Update, correct, or delete your information
• Withdraw consent where data processing is consent-based
• Opt out of marketing communications
• Request data portability
• Lodge a grievance or complaint

Requests can be made via privacy@sahyogi.in.

9. Minors

Our Service is intended for users aged 18 and above. If we discover that we have collected data from minors without verifiable parental consent, we will delete it promptly.

10. Grievance Redressal

For privacy-related concerns, contact our Grievance Officer:

11. Changes to Policy

We may update this Policy periodically. Major changes will be communicated via email or prominent notices. Continued use after posting constitutes your acceptance.

12. Governing Law & Jurisdiction

This Policy is governed by Indian law. Disputes or complaints will be resolved in Bengaluru courts.

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