Legal

Privacy Policy

This Privacy Policy explains how Karza Dost operated by KMSS collects, uses, shares, and protects your information while providing loan discovery and partner-matching services.

Last updated: August 26, 2026

Section 1

Introduction

Karza Dost, operated by KMSS ("we", "our", or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site. We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of this Privacy Policy.

Section 2

Information We Collect

Personal Information

We may collect personally identifiable information such as your name, email address, phone number, date of birth, PAN number, Aadhaar number, address, and financial details (income, employment status, existing loans) when you register, apply for a loan, or interact with our services.

Usage Data

We automatically collect certain information when you visit our website including your IP address, browser type, operating system, referring URLs, device information, pages viewed, and the dates and times of your visits.

Cookies & Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect and store information about your preferences and activity on our platform. You may control cookie settings through your browser; however, disabling cookies may affect the functionality of our services.

Section 3

How We Use Your Information

Service Delivery

To process your loan applications, verify your identity, assess creditworthiness, and connect you with relevant lending partners, insurance providers, and credit card issuers.

Communication

To send you transactional notifications, service updates, OTPs, account alerts, and where you have consented, promotional offers and marketing communications via SMS, WhatsApp, Email, IVR, and RCS.

Analytics & Improvement

To monitor, analyze, and improve our website performance, user experience, and service offerings. We may use anonymized and aggregated data for internal research and reporting purposes.

Legal & Compliance

To comply with applicable laws, regulations, legal processes, or enforceable governmental requests, and to protect the rights, property, or safety of Karza Dost, our users, or the public.

Section 4

Sharing of Your Information

We do not sell your personal information to third parties. We may share your information with: (a) Lending partners, banks, NBFCs, and financial institutions for the purpose of processing your loan or financial product application; (b) Insurance and credit card partners when you apply for their products; (c) Credit bureaus and KYC verification agencies for identity and credit assessment; (d) Technology and analytics service providers who assist in operating our platform under strict data processing agreements; (e) Law enforcement or regulatory authorities as required by applicable law. All third parties with whom we share your data are contractually obligated to maintain its confidentiality and security.

Section 5

Data Security

We implement industry-standard security measures including 256-bit SSL/TLS encryption, secure data storage, access controls, and regular security audits to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security. In the event of a data breach that is likely to result in high risk to your rights and freedoms, we will notify you and the relevant authorities as required by law.

Section 6

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. When your information is no longer required, we will securely delete or anonymize it in accordance with applicable data protection laws and RBI guidelines.

Section 7

Your Rights

Access & Correction

You have the right to access the personal information we hold about you and to request corrections if it is inaccurate or incomplete. You may update your information by logging into your account or contacting our support team.

Consent Withdrawal

You may withdraw your consent for marketing and promotional communications at any time by reaching out to us through our Contact Us page or by contacting us directly. Note that withdrawing consent does not affect the lawfulness of processing based on consent before its withdrawal, and we may still contact you for transactional and service-related purposes.

Data Portability

Where technically feasible and required by law, you have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit that data to another data controller.

Deletion

You may request deletion of your personal data where it is no longer necessary for the purposes for which it was collected, subject to our legal and regulatory obligations to retain certain records.

Section 8

Third-Party Links & Services

Our website may contain links to third-party websites and services. This Privacy Policy does not apply to those third-party sites. We encourage you to read the privacy policies of every website you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Section 9

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

Section 10

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the "Last updated" date. For material changes, we may also send you a direct notification. Your continued use of our services after any changes constitutes your acceptance of the revised Privacy Policy.