Privacy Policy

1. Information We Collect

We may collect the following types of information:

A. Personal Information

• Full name
• Mobile number
• Email address
• Residential or business address
• PAN card details
• Aadhaar details
• Bank account details
• Financial information
• Business information
• KYC documents
• IP address and device information

B. Non-Personal Information

• Browser type
• Device type
• Operating system
• Website usage behavior
• Cookies and tracking data
• Analytics data

2. How We Use Your Information

We may use your information for the following purposes:

• To provide our services
• To process registrations and inquiries
• To connect you with banks, NBFCs, DSAs, lenders, or financial institutions
• To verify identity and perform KYC checks
• To improve our website and customer experience
• To personalize offers and recommendations
• To provide customer support
• To send updates, promotions, notifications, and service-related communications
• To prevent fraud, misuse, or unauthorized access
• To comply with legal and regulatory obligations

3. Consent for Credit Check & Verification

By using our platform and accepting our Terms & Conditions, you expressly authorize Incomekaro and its partners to:

• Verify your identity
• Conduct credit checks
• Access financial records where legally permitted
• Share your information with financial institutions for loan processing and eligibility verification

Acknowledgment: You acknowledge that such verification may impact your credit profile as per applicable laws and lender policies.

4. Sharing of Information

We may share your information with:

A. Financial Partners

• Banks
• NBFCs
• Lending institutions
• Financial service providers
• DSA partners

B. Service Providers

Third-party vendors assisting with:

• Hosting
• CRM systems
• Analytics
• Marketing
• Payment processing
• Customer support

C. Legal & Regulatory Authorities

We may disclose information:

• If required by law
• Under court orders
• For fraud prevention
• To protect legal rights and security

Important: We do not sell personal information to unauthorized third parties.

5. Data Security

We implement commercially reasonable security measures to protect your information against:

• Unauthorized access
• Data theft
• Misuse
• Alteration
• Disclosure
• Destruction

Disclaimer: However, no online platform or electronic storage system is completely secure. Users acknowledge and accept such inherent internet-related risks.

6. Cookies & Tracking Technologies

Our website may use:

• Cookies
• Pixels
• Tracking technologies
• Analytics tools

These technologies help us:

• Improve website functionality
• Understand user behavior
• Store user preferences
• Enhance marketing performance

Note: Users may disable cookies through browser settings; however, some website features may not function properly.

7. Third-Party Links & Services

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

Disclaimer: Incomekaro is not responsible for:

• Third-party privacy practices
• Content accuracy
• External security policies
• Third-party actions or omissions

Recommendation: Users are advised to review third-party policies independently.

8. User Rights

Subject to applicable laws, users may request:

• Access to personal data
• Correction of inaccurate information
• Deletion of information
• Withdrawal of marketing consent
• Restriction of certain processing activities

How to Request: Requests may be submitted through our official contact channels.

9. Data Retention

We may retain user information for:

• Legal compliance
• Regulatory obligations
• Fraud prevention
• Business operations
• Dispute resolution

Important: Even after account closure, certain information may be retained where legally required.

10. Children's Privacy

• Our services are not intended for individuals below 18 years of age.
• We do not knowingly collect personal information from minors.

11. Limitation of Liability

Incomekaro shall not be liable for:

• Unauthorized access caused by user negligence
• Third-party hacking incidents
• Data breaches beyond reasonable control
• Financial losses arising from third-party misuse
• Technical interruptions or cyber attacks

User Responsibility: Users are responsible for maintaining confidentiality of passwords, OTPs, and login credentials.

12. Policy Updates

We reserve the right to modify or update this Privacy Policy at any time without prior notice.

• Updated policies shall become effective immediately upon publication on the website.
• Continued use of services after updates constitutes acceptance of revised policies.

13. Governing Law

This Privacy Policy shall be governed by the laws of India.

Any disputes shall fall under the exclusive jurisdiction of the courts located in West Bengal, India.

14. Contact Information

For privacy-related concerns or requests: