Privacy Policy

1

Introduction & Scope

At Kurakulas Credit Solutions ("we," "us," or "our"), we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit improvement services.

Important: This policy applies to all personal information collected through our website, mobile applications, consultations, and any related services. By using our services, you consent to the data practices described in this policy.

We comply with applicable data protection laws, including the Information Technology Act, 2000 and rules made thereunder, and the forthcoming Digital Personal Data Protection Act, 2023.

2

Information We Collect

Personal Information

Full name, date of birth, and gender
Contact details (email, phone, address)
PAN card, Aadhaar number, and other IDs
Employment and income details
Bank account information

Financial Information

Credit reports and scores (CIBIL, Experian, etc.)
Loan and credit card details
Payment history and defaults
Financial obligations and liabilities
Asset and investment information

Special Category Data: We may process sensitive personal data including financial information, which requires enhanced protection under applicable laws. We implement additional safeguards for such data.

Technical & Usage Data

IP address and device information
Browser type and version
Pages visited and time spent
Cookies and tracking data
Service usage patterns

3

How We Use Your Information

Primary Purposes:

Service Delivery

To provide credit improvement services, analyze your credit profile, and develop personalized strategies.

Communication

To send service updates, educational content, and respond to your inquiries.

Security & Compliance

To protect against fraud, verify identity, and comply with legal obligations.

Secondary Purposes (with consent):

Improving our services and developing new features
Conducting research and analysis on credit trends
Sending promotional offers and financial education
Personalizing user experience and recommendations

4

Information Sharing & Disclosure

Shared With	Purpose	Data Minimized
Credit Bureaus (CIBIL, Experian)	Dispute resolution and verification	Yes
Legal Authorities	Compliance with court orders	Yes
Service Providers	IT infrastructure and support	Yes
Banks/Lenders (with consent)	Credit improvement verification	Yes

WE NEVER SELL YOUR DATA: We do not and will not sell, rent, or trade your personal information to third parties for marketing purposes.

Information is shared only:

With your explicit consent
When required by law or legal process
To protect our rights or prevent fraud
With service providers bound by confidentiality
During business transfers (merger/acquisition)

5

Data Security Measures

Technical Security

256-bit SSL encryption for data transmission
AES-256 encryption for data at rest
Multi-factor authentication for system access
Regular security audits and penetration testing
Intrusion detection and prevention systems

Organizational Security

Restricted access based on role (Need-to-Know)
Regular employee privacy training
Background checks for employees
Strict confidentiality agreements
Incident response team 24/7

Data Breach Protocol: In the unlikely event of a data breach, we will notify affected individuals and regulatory authorities within 72 hours as required by law.

6

Data Retention Period

Data Type	Retention Period	Basis
Active Client Data	Duration of service + 7 years	Legal & Tax Requirements
Inactive Client Data	7 years after service ends	Statutory Limitations
Financial Records	10 years	Income Tax Act
Website Analytics	26 months	Business Analytics
Communication Logs	3 years	Service Quality

Data Deletion: After retention periods expire, data is securely deleted using industry-standard data destruction methods. Backup data is encrypted and automatically purged after 90 days.

7

Your Privacy Rights

Right to Access

Request copies of your personal data we hold.

Right to Correction

Request correction of inaccurate or incomplete data.

Right to Deletion

Request deletion of your personal data ("Right to be Forgotten").

Right to Restrict

Request restriction of processing in certain circumstances.

Right to Object

Object to processing for direct marketing.

Right to Portability

Receive your data in a structured, machine-readable format.

How to Exercise Your Rights:

Submit a written request to our Data Protection Officer
Include proof of identity (Aadhaar, PAN, or Passport copy)
Specify the right you wish to exercise
We will respond within 30 days (may extend by 30 days with notice)
No fees unless requests are manifestly unfounded or excessive

Email: dpo@kurakulascredit.com | Phone: +91 92465 45737

8

Cookies & Tracking Technologies

Cookie Type	Purpose	Duration
Essential Cookies	Website functionality and security	Session
Analytics Cookies	Website usage and improvements	2 years
Preference Cookies	Remember your settings	1 year
Marketing Cookies	Relevant advertising (with consent)	90 days

Cookie Management:

You can control cookies through your browser settings:

Chrome: Settings → Privacy and Security → Cookies and site data
Firefox: Options → Privacy & Security → Cookies and Site Data
Safari: Preferences → Privacy → Cookies and website data
Edge: Settings → Cookies and site permissions → Cookies and site data

Note: Disabling essential cookies may affect website functionality. Non-essential cookies are only placed with your consent via our cookie banner.

9

Contact & Grievance Redressal

Data Protection Officer

Name: Ms. Priya Sharma
Email: dpo@kurakulascredit.com
Phone: +91 92465 45737 (Ext: 102)
Hours: Monday-Friday, 10 AM - 6 PM IST

Address:
Data Protection Officer
Kurakulas Credit Solutions
Flat No: 302, 3rd Floor, Classic Avenue
Ameerpet, Hyderabad, Telangana - 500016

Privacy Complaints

If you have concerns about our privacy practices:

Contact our DPO with details of your concern
We will acknowledge within 48 hours
Investigation completed within 30 days
Written resolution provided

Regulatory Authority

If unsatisfied with our response, you may contact:

Ministry of Electronics & IT
Government of India
www.meity.gov.in

Policy Updates: We may update this policy periodically. Significant changes will be notified via email or website notice. Continued use of our services after changes constitutes acceptance.

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