Privacy Policy

Privacy Policy – Shukla Financial Services

Last updated: January 2025

Shukla Financial Services (“we”, “us”, “our”) is committed to protecting your personal information and maintaining transparency in how data is collected, used, stored, and safeguarded.

This Privacy Policy is issued in accordance with applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, and the Digital Personal Data Protection Act, 2023, along with rules and regulations made thereunder.

By accessing our website, submitting information, or availing our services through any medium, you acknowledge that you have read and understood this Privacy Policy and provide your consent to the collection and processing of your personal data as described herein.

1. Information We Collect

1.1 Personal Information

• Full name
• Date of birth
• Contact details (email address and phone number)
• Residential address and location details
• PAN card number
• Aadhaar number (only where legally required)
• Income, occupation, and employment details
• Loan requirements and related details

2. How We Collect Information

2.1 Directly from You

• Loan and service application forms
• Website enquiry and contact forms
• WhatsApp, chat, or messaging communications
• Phone calls and email correspondence

By submitting information through any of the above channels, you provide explicit and informed consent for us to collect, process, and store your personal data in accordance with this Privacy Policy.

3. Purpose of Collection and Use

We collect and use your personal information for the following purposes:

• Identity verification and eligibility assessment
• Processing, evaluating, and facilitating loan applications
• KYC, credit checks, and regulatory compliance
• Communicating application status, updates, and service-related information
• Providing customer support and grievance handling
• Improving service quality, internal processes, and website functionality
• Fulfilling legal, statutory, and regulatory obligations

4. Sharing of Information

Your personal data may be shared on a need-to-know basis with:

• Banks, NBFCs, and financial institutions for loan processing and approval
• KYC service providers, credit bureaus, and verification agencies
• Technology and service partners such as hosting, SMS, and email providers
• Government or regulatory authorities where disclosure is required by law

5. Data Security Practices

We adopt reasonable administrative, technical, and physical security measures to protect personal data against unauthorized access, misuse, alteration, disclosure, or destruction.

These measures include, but are not limited to:

• Secure servers and controlled access systems
• Encryption of sensitive data where appropriate
• Firewalls and monitoring mechanisms
• Restricted access to personal data on a need-to-know basis
• Periodic security reviews and internal assessments

6. Data Retention

Personal data is retained only for the duration necessary to fulfill business purposes, comply with legal and regulatory requirements, or as otherwise permitted under applicable law. Once the purpose is fulfilled, data is securely deleted or anonymized.

7. Your Rights as a Data Principal

Subject to applicable law, you have the right to:

• Request access to your personal data
• Request correction or updating of inaccurate or incomplete information
• Withdraw consent for data processing, where legally permissible
• Request deletion of personal data, subject to legal and regulatory obligations

To exercise these rights, you may submit a request by contacting us using the details provided below. Requests will be addressed within timelines prescribed under applicable Indian data protection laws.

8. Grievance Redressal

If you have any concerns or complaints regarding the processing of your personal data, you may contact our designated grievance or privacy contact. We will make reasonable efforts to resolve the grievance in a timely manner.

9. Policy Updates

This Privacy Policy may be revised from time to time to reflect changes in legal, regulatory, or business requirements. The updated version will be effective immediately upon publication on this page.

10. Contact Us

For queries, requests, or concerns relating to this Privacy Policy, please contact:

Shukla Financial Services
📍 Address: 73A, Ganesh Chandra Avenue, Room No. 303, Near Axis Bank Hind Cinema, Kolkata – 700013
📞 Phone: 9088817811
📧 Email: info@shuklafinservices.co.in