1. Introduction

Shubhdhanam is committed to protecting the personal and financial information of our clients and website visitors. This Privacy and Security Policy details how we collect, use, disclose, and safeguard your information when you engage with our website (www.shubhdhanam.com) and our services. By accessing or using our website, you agree to the terms outlined in this policy.

2. Information We Collect

We collect information in two main categories:

• Personal Identifiable Information (PII): This includes your name, contact details, identification documents, employment history, and financial data that you provide when applying for our services.
• Non-Personal Information: We gather technical data such as IP addresses, browser type, device information, and aggregated usage statistics through cookies and other tracking technologies.

3. Use of Your Information

Your information is used for the following purposes:

• Loan Processing and Client Support: To evaluate loan applications, conduct due diligence, and manage ongoing client relationships.
• Service Improvement: To analyze trends, administer our website, and improve our services.
• Compliance and Legal Obligations: To meet regulatory requirements and respond to lawful requests from governmental or regulatory authorities.
• Communication: To send service updates, notifications, and, if permitted, marketing communications relevant to your interests.

4. Disclosure and Sharing of Information

We do not sell or rent your personal information. Information may be disclosed only under the following circumstances:

• Service Providers: To trusted third-party vendors and partner institutions (e.g., lending institutions) who help process your applications or manage specific aspects of our operations, provided they adhere to similar confidentiality and security standards.
• Legal Requirements: When disclosure is required by law, regulation, or legal process.
• Business Transfers: In connection with mergers, acquisitions, or asset sales, provided that the receiving party agrees to uphold the confidentiality and security standards specified in this Policy.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected. Retention periods may vary based on legal, regulatory, or business requirements.

6. Security Measures

We implement stringent security protocols to protect your data, including:

• Encryption: Data transmissions and stored data are protected using industry-standard encryption protocols.
• Access Controls: Access to your information is limited to authorized personnel only.
• Regular Audits: Our systems are routinely monitored and audited to ensure data integrity and security.
• Physical and Digital Safeguards: Our offices and data centers use secure facilities and cutting-edge technology to guard against unauthorized access.

7. Your Rights and Choices

Depending on applicable laws, you may have the right to:

• Access and Update: Request access to, review, and update your personal information.
• Data Deletion: Request the deletion of your personal data, subject to certain legal obligations.
• Consent Withdrawal: Withdraw your consent for certain data processing activities, where applicable.
• Marketing Preferences: Opt out of receiving marketing communications from us.
• To exercise these rights, please contact our Data Protection Officer using the details provided at the end of this policy.

8. Compliance and Oversight

Shubhdhanam maintains an ongoing commitment to data protection and regularly reviews and updates our security practices to ensure compliance with applicable laws and best practices. Our designated Data Protection Officer (DPO) is responsible for overseeing our data protection strategy and ensuring compliance with this Policy.

9. Third-Party Links and Integrations

Our website may include links to third-party websites or services. This Policy does not apply to such third-party sites. We encourage you to review the privacy policies of any external sites you visit.

10. Policy Amendments

We reserve the right to modify or update this Policy at any time. Any changes will be posted on this page, and the updated Policy will be effective immediately upon posting. It is your responsibility to review this Policy periodically for any changes.

11. Contact Us

If you have any questions, concerns, or requests related to this Privacy and Security Policy, please contact us at:

• Email: loans@shubhdhanam.com
• Phone: 9172134844
• Mailing Address: 407, Ostwal Shopping center, Jesal Park Road, Opp Bhayander Station, Bhayander East -401105.
• For privacy-specific inquiries, please reach out to our Data Protection Officer (DPO).