Privacy Policy

1. Introduction

Singhal Associates ("we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

By using our services, you consent to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, postal address
• Financial Information: Income details, bank statements, tax returns, financial documents
• Identity Information: PAN card, Aadhaar card, passport, driving license, or other government-issued identification
• Business Information: Company name, registration details, business documents, financial statements
• Application Information: Loan requirements, property details, investment preferences

2.2 Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• Service Delivery: To provide financial advisory services, facilitate loan applications, and process your requests
• Communication: To respond to your inquiries, send updates, and provide customer support
• Lender Matching: To match you with suitable lenders and financial institutions based on your profile
• Documentation: To prepare and submit loan applications and required documentation
• Compliance: To comply with legal obligations and regulatory requirements
• Improvement: To improve our services, website functionality, and user experience
• Marketing: To send promotional communications (with your consent) about our services
• Security: To protect against fraud, unauthorized access, and other security threats

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 With Lending Institutions

We share your information with banks, NBFCs, and other financial institutions to facilitate loan applications and financial services. This is essential for providing our advisory services.

4.2 Service Providers

We may share information with third-party service providers who assist us in:

• Website hosting and maintenance
• Data analysis and processing
• Customer support services
• Marketing and communication services

These service providers are contractually obligated to protect your information and use it only for specified purposes.

4.3 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or to:

• Comply with legal processes
• Respond to government requests
• Protect our rights and property
• Prevent fraud or security issues
• Protect the safety of our users

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4.5 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases
• Access controls and authentication
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records as required by law

When information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies.

7. Your Rights

You have the following rights regarding your personal information:

7.1 Access

You can request access to the personal information we hold about you.

7.2 Correction

You can request correction of inaccurate or incomplete information.

7.3 Deletion

You can request deletion of your personal information, subject to legal and contractual obligations.

7.4 Objection

You can object to processing of your information for certain purposes, such as marketing.

7.5 Data Portability

You can request a copy of your information in a structured, machine-readable format.

7.6 Withdrawal of Consent

You can withdraw consent for processing your information at any time, where processing is based on consent.

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

8. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to:

• Enhance user experience
• Analyze website traffic and usage
• Remember your preferences
• Provide personalized content

You can control cookies through your browser settings. However, disabling cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites, including lending institutions and financial service providers. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any information.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete such information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending an email notification (if you have provided your email)
• Updating the "Last Updated" date

Your continued use of our services after changes are posted constitutes acceptance of the updated Privacy Policy.

12. Compliance with Laws

We comply with applicable data protection laws, including:

• The Information Technology Act, 2000 and its rules
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Other applicable Indian laws and regulations

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: singhalassociatesoffice@gmail.com
• Phone: +91 9610179101
• Address: SC-2, Second Floor, Anchor Mall, Civil Lines, Sodala, Jaipur - 302006

We will respond to your inquiries within a reasonable timeframe.

14. Consent

By using our services and providing your information, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

If you do not agree with any part of this Privacy Policy, please do not use our services or provide your information.