Privacy Policy

1. INTRODUCTION

Kessar Capital respects the privacy of its customers, website visitors, members, applicants, employees and other users. 

This Privacy Policy explains what personal information we may collect, why we collect it, how we use it, when we may share it, how we protect it, and the choices available to you. 

This Privacy Policy applies to information collected through the Kessar Capital website, membership services, financial consultancy and application assistance services, communication channels, and authorised internal systems or applications. 

By using our website or voluntarily providing your information to us, you acknowledge that you have read and understood this Privacy Policy, subject to applicable law. 

 

2. ABOUT KESSAR CAPITAL

Kessar Capital provides financial consultancy and related application assistance services through its membership and service model. 

Kessar Capital is not itself a bank or NBFC and does not represent that it independently sanctions or disburses loans. 

Where applicable, customer applications may be assisted, coordinated or referred to relevant banks, NBFCs or other lending/financial service partners. The final decision regarding any financial product, including approval, rejection, amount, interest rate, tenure, security requirements and other conditions, is made by the concerned lender or financial institution. 

 

3. INFORMATION WE COLLECT

Depending on the service requested by you, we may collect information such as: 

• Full name 

• Mobile number 

• Email address 

• Residential or communication address 

• Date of birth or age-related information 

• Employment and occupation details 

• Business details 

• Income-related information 

• Existing financial obligations 

• Credit-related information provided by you 

• Information relating to assets or liabilities 

• Documents voluntarily submitted for service or application assistance 

• Bank or financial information where required for an authorised purpose 

• Membership and payment information 

• Application and follow-up information 

• Communication records 

• Information required for identity or verification purposes 

• Device, browser and website usage information where technically collected 

We collect only such information as is reasonably required for the relevant business purpose, subject to applicable law. 

 

4. INFORMATION PROVIDED BY YOU

You may provide personal information when you: 

• Register for or purchase a membership; 

• Pay the applicable membership fee; 

• Request financial consultancy; 

• Request application assistance; 

• Submit an enquiry; 

• Submit documents; 

• Communicate with our employees or authorised representatives; 

• Request assistance regarding a financial product; 

• Use our website or authorised application; 

• Participate in referral or promotional activities; or 

• Contact us for support or grievance resolution. 

 

5. MEMBERSHIP AND SERVICE INFORMATION

Where applicable, our service model may involve different stages. 

5.1 Initial Membership – ₹353 

If you purchase the applicable Kessar Capital membership for ₹353, we may collect and process the information necessary to activate and administer your membership and provide the applicable membership-related services. 

Payment of the membership fee does not guarantee loan approval, sanction, disbursement or any particular financial product. 

5.2

Advanced Financial Consultancy & Application Assistance:

– ₹588 

If, after the initial membership and preliminary profile assessment, you choose to proceed with the applicable service, Kessar Capital may charge ₹588 for

Advanced Financial Consultancy & Application Assistance:

. 

Depending on the service selected, this may include: 

• Detailed profile review; 

• Documentation guidance; 

• Financial-product assessment; 

• Application preparation assistance; 

• Identification of potentially relevant lending/financial service options; 

• Application coordination; 

• Follow-up assistance; 

• Customer query assistance; and 

• Related consultancy support. 

The ₹588 payment is a Kessar Capital service charge for the applicable consultancy/application assistance service. 

It should not be represented as: 

• A compulsory bank fee; 

• A compulsory NBFC fee; 

• A guaranteed approval fee; 

• A payment that guarantees loan sanction; or 

• A payment that automatically results in disbursement. 

Any separate charge imposed by a lender, bank, NBFC or other third party, where applicable, should be separately identified and communicated. 

 

6. PURPOSES FOR WHICH WE USE YOUR INFORMATION

We may use personal information for purposes including: 

1. Creating and managing your membership; 

1. Providing consultancy and application assistance services; 

1. Understanding your stated financial requirements; 

1. Reviewing information and documents submitted by you; 

1. Assisting with applications requested by you; 

1. Communicating with you regarding your enquiry or application; 

1. Coordinating with relevant financial institutions or service partners where authorised; 

1. Providing customer support; 

1. Maintaining business and transaction records; 

1. Processing payments; 

1. Preventing fraud, misuse and unauthorised activity; 

1. Complying with applicable legal and regulatory requirements; 

1. Resolving disputes and complaints; 

1. Improving our services, systems and customer experience; 

1. Sending service-related communications; and 

1. Sending promotional communications where permitted by law and subject to applicable opt-out rights. 

 

7. SHARING OF PERSONAL INFORMATION

Kessar Capital does not sell personal information to third parties for their independent commercial sale. 

We may share relevant information where reasonably necessary with: 

• Banks; 

• NBFCs; 

• Lending or financial service partners; 

• Technology and service providers; 

• Payment service providers; 

• KYC/verification service providers; 

• Communication service providers; 

• IT and CRM service providers; 

• Professional advisers; 

• Auditors; 

• Legal advisers; 

• Regulatory or government authorities; 

• Fraud-prevention or security service providers; or 

• Other parties where you have authorised such sharing or where disclosure is required or permitted by law. 

We seek to limit disclosure to information reasonably necessary for the relevant purpose. 

 

8. CUSTOMER AUTHORISATION

Before sharing information with a third party for an application or service requested by you, we may obtain your consent or otherwise rely on a lawful basis permitted under applicable law. 

By submitting documents or information for application assistance, you acknowledge that certain information may need to be shared with relevant financial institutions or service providers for the purpose requested by you. 

 

9. CUSTOMER DOCUMENTS

Documents provided by you may include identity, address, income, employment, business, banking or other financial information. 

We may use such documents only for legitimate business purposes connected with the services requested by you, application assistance, verification, compliance, recordkeeping, dispute resolution, fraud prevention or other lawful purposes. 

Customers should submit only genuine and accurate documents. 

 

10. ACCURACY OF INFORMATION

You are responsible for ensuring that the information and documents provided to Kessar Capital are accurate, complete and current. 

If any information becomes inaccurate or outdated, you should inform us and provide corrected information where necessary. 

Kessar Capital may rely on information supplied by you and is not responsible for inaccuracies caused by false, incomplete, outdated or misleading information supplied by the customer. 

 

11. CREDIT AND FINANCIAL INFORMATION

Where you voluntarily provide credit-related, financial or application information, we may process that information for the purpose for which it was provided. 

Any credit assessment, eligibility assessment, underwriting, approval or rejection is subject to the concerned lender's policies and decision-making process. 

Kessar Capital does not guarantee any particular credit score, loan amount, interest rate or approval outcome. 

 

12. PAYMENT INFORMATION

Payments may be processed through authorised payment gateways or payment service providers. 

Kessar Capital may receive transaction-related information such as: 

• Payment amount; 

• Transaction reference; 

• Payment status; 

• Date and time of transaction; and 

• Other information reasonably required for reconciliation and customer support. 

Where payment processing is handled by a third-party payment provider, the provider may independently process information in accordance with its applicable terms and privacy practices. 

 

13. OTP, PASSWORD AND SECURITY INFORMATION

Customers should never share: 

• OTPs; 

• ATM PINs; 

• UPI PINs; 

• Internet banking passwords; 

• Card PINs; 

• CVV; 

• Login passwords; or 

• Other confidential authentication credentials 

with Kessar Capital employees, agents or any third party. 

Kessar Capital employees are not authorised to request confidential banking authentication credentials for the purpose of obtaining loan approval. 

 

14. INFORMATION SECURITY

We take reasonable administrative, technical and organisational measures to protect personal information against unauthorised access, misuse, alteration, disclosure or destruction. 

Access to customer information may be restricted to authorised personnel on a need-to-know basis. 

However, no method of electronic transmission or storage can be guaranteed to be completely secure. 

Accordingly, while we take reasonable measures to protect information, we cannot guarantee absolute security against every possible security incident. 

 

15. EMPLOYEE ACCESS

Employees and authorised representatives may access customer information only to the extent reasonably required for their assigned responsibilities. 

Where appropriate, authorised personnel may be subject to confidentiality obligations and internal access controls. 

Unauthorised access, copying, disclosure or misuse of customer information may result in disciplinary action and/or legal action as applicable. 

 

16. COMMUNICATION RECORDS

For customer support, quality control, training, compliance, fraud prevention and dispute resolution purposes, communications with Kessar Capital may be recorded or retained, including where legally permitted. 

This may include: 

• Telephone calls; 

• WhatsApp communications; 

• Emails; 

• Website enquiries; 

• Application-related communications; and 

• Other authorised communication channels. 

 

17. MARKETING COMMUNICATIONS

We may use your contact information to communicate information about Kessar Capital services, offers or related products where permitted by applicable law. 

You may request to opt out of promotional communications. 

Service-related communications, such as payment confirmations, application updates, security notices and important account/service information, may continue where reasonably necessary. 

 

18. COOKIES AND WEBSITE TECHNOLOGIES

Our website may use cookies and similar technologies to: 

• Operate the website; 

• Remember preferences; 

• Improve website performance; 

• Understand website usage; 

• Analyse traffic; 

• Improve customer experience; and 

• Support advertising or marketing activities where permitted. 

You may be able to manage or disable cookies through your browser settings. Disabling certain cookies may affect website functionality. 

 

19. ADVERTISING AND ANALYTICS INFORMATION

Where our website or authorised application uses advertising or analytics technologies, certain technical information may be collected, such as: 

• Device information; 

• Browser information; 

• IP-related technical information; 

• Advertising identifiers, where applicable; 

• Website interaction information; and 

• General analytics information. 

Such information may be used for analytics, security, service improvement and advertising purposes, subject to applicable law and the policies of relevant technology providers. 

 

20. MOBILE APPLICATION – FINCAP CAPITAL CRM

Fincap Capital CRM is an internal CRM application intended for authorised employees and sales representatives of Fincap Capital / Kessar Capital. 

The application is not intended for public customer registration. 

Authorised employees may use the CRM to manage: 

• Assigned leads; 

• Customer information; 

• Follow-up information; 

• Application status; 

• Payment status; 

• Internal remarks; and 

• Other information required for authorised business operations. 

 

21. INFORMATION COLLECTED THROUGH THE CRM

The CRM may process information such as: 

• Employee name; 

• Registered mobile number; 

• Email address; 

• Employee/User ID; 

• Login credentials; 

• Device information; 

• Operating system information; 

• Application version; 

• Application usage information; and 

• Other information reasonably required for internal business operations. 

 

22. USE OF CRM INFORMATION

CRM information may be used for: 

• Employee authentication; 

• Secure application access; 

• Lead allocation; 

• Customer follow-up; 

• Application management; 

• Payment-status reference; 

• Internal reporting; 

• Audit purposes; 

• Security monitoring; and 

• Prevention of unauthorised access. 

 

23. CRM PAYMENT INFORMATION

The Fincap Capital CRM application does not itself process customer payments. 

Payment status or transaction-related information displayed in the CRM may be retrieved from transactions completed through authorised Kessar Capital payment channels and may be displayed for internal business reference. 

 

24. THIRD-PARTY SERVICE PROVIDERS

We may use trusted third-party providers for services such as: 

• Website hosting; 

• Cloud infrastructure; 

• CRM; 

• Payment processing; 

• Communication; 

• Analytics; 

• Authentication; 

• Security; 

• Notifications; 

• Document processing; and 

• Technical support. 

Such providers may process information on our behalf subject to applicable contractual, technical or legal safeguards. 

 

25. LEGAL AND REGULATORY DISCLOSURES

We may disclose information where reasonably necessary to: 

• Comply with applicable law; 

• Respond to lawful requests from authorities; 

• Prevent fraud or financial crime; 

• Protect our legal rights; 

• Investigate misuse; 

• Enforce contractual rights; 

• Resolve disputes; or 

• Meet regulatory or compliance obligations. 

 

26. DATA RETENTION

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, or for longer where required for: 

• Legal compliance; 

• Accounting; 

• Taxation; 

• Regulatory requirements; 

• Fraud prevention; 

• Audit; 

• Dispute resolution; 

• Contractual obligations; or 

• Legitimate business recordkeeping. 

The applicable retention period may vary depending on the nature of the information and purpose of processing. 

 

27. EMPLOYEE ACCOUNT DELETION

Authorised employees using the Fincap Capital CRM may request or initiate account deletion through the applicable account-deletion functionality. 

Deletion of an application account may remove access to the application. 

However, certain records may continue to be retained where necessary for legal, regulatory, accounting, audit, fraud-prevention or dispute-resolution purposes. 

 

28. DATA RIGHTS AND CUSTOMER REQUESTS

Subject to applicable law, customers may contact Kessar Capital regarding requests relating to their personal information, including where applicable: 

• Access; 

• Correction; 

• Updating; 

• Withdrawal of consent where legally applicable; 

• Deletion where legally permissible; or 

• Questions regarding processing of personal information. 

Requests may be subject to reasonable identity verification and legal or regulatory limitations. 

 

29. FRAUD AND SECURITY

Kessar Capital may process information for the purpose of detecting and preventing: 

• Fraud; 

• Identity misuse; 

• False documentation; 

• Unauthorised access; 

• Payment fraud; 

• Account misuse; and 

• Other unlawful or prohibited activities. 

Where necessary, information may be shared with appropriate authorities or service providers in accordance with applicable law. 

 

30. CHILDREN'S INFORMATION

Our services are intended for persons who are legally eligible to use the relevant services. 

We do not knowingly seek to collect personal information from children where such collection is prohibited by applicable law. 

If information relating to a child has been provided without appropriate legal authority or consent, please contact us so that the matter can be reviewed. 

 

31. THIRD-PARTY WEBSITES

Our website or communications may contain links to third-party websites or services. 

Kessar Capital is not responsible for the privacy practices, security or content of third-party websites. 

Customers should review the privacy policies of third-party websites before providing personal information. 

 

32. CHANGES TO THIS PRIVACY POLICY

Kessar Capital may update this Privacy Policy from time to time to reflect: 

• Changes in our services; 

• Changes in technology; 

• Changes in applicable law; 

• Regulatory requirements; or 

• Changes in our data-processing practices. 

The updated version will be published through the applicable website or service channel. 

Customers should periodically review the latest version of this Privacy Policy. 

 

33. GRIEVANCE AND PRIVACY QUERIES

For privacy-related questions, complaints or requests, customers may contact: 

Kessar Capital 
Address:PLOT NO 2139 EFG SHOP 110, SURBHI MOAL WAGHAWADI ROAD, Bhavnagar, Bhavnagar, Bhavnagar, Gujarat, India, 364001

Email: info@kessarcapital.com
Website: www.Kessarcapital.com 

We will review privacy-related requests and complaints and respond within a reasonable period, subject to the nature of the request and applicable law. 

 

34. GOVERNING LAW

This Privacy Policy shall be interpreted in accordance with applicable laws of India. 

Any dispute relating specifically to privacy or data processing shall be subject to the applicable dispute-resolution and jurisdiction provisions contained in the relevant agreement, service terms or applicable law. 

Nothing in this Privacy Policy is intended to restrict any mandatory rights or remedies available to a customer under applicable law. 

 

35. CUSTOMER ACKNOWLEDGEMENT

By using the Kessar Capital website or voluntarily providing personal information, you acknowledge that: 

1. You have read this Privacy Policy; 

1. You understand how your information may be collected and used; 

1. You understand that application-related information may be shared with relevant financial institutions or service providers where authorised or legally permitted; 

1. You understand that Kessar Capital does not guarantee loan approval; 

1. You understand that payment of ₹353 membership or ₹588

   Advanced Financial Consultancy & Application Assistance:

   cardoffer – ₹498

   royaloffer – ₹587

   megaoffer – ₹587

   staroffer – ₹587

   bumperoffer – ₹498

   special-offer – ₹587

   ultimateoffer – ₹587

   primeoffer – ₹587

   does not guarantee loan approval or disbursement; and 

1. You are responsible for providing accurate and genuine information and documents.