Communication & Consent Policy – Kistwala.com
This Communication and User Consent Policy explains how Kistwala.com communicates with users and the consent provided by users when they register, submit an application, or share their contact details on the website. By accessing, registering, or submitting any form on Kistwala.com, the user expressly acknowledges and agrees to the communication practices described in this policy.
Kistwala.com operates as a Direct Selling Agent (DSA), Direct Marketing Agent (DMA), and Referral or Channel Partner for banks, Non-Banking Financial Companies (NBFCs), and insurance providers. In order to facilitate loan, credit card, and insurance applications, it is necessary for the company to communicate with users at various stages of the application process. These communications may include verification calls, document collection requests, eligibility discussions, application status updates, approval or rejection notifications, and general service-related information.
By submitting personal details such as name, mobile number, and email address on the website, the user provides explicit consent to be contacted by Kistwala.com and its authorized representatives through phone calls, SMS, WhatsApp messages, and email communication. This consent applies regardless of whether the user’s mobile number is registered under the National Do Not Disturb (DND) registry. The user acknowledges that such communication is essential for providing requested services and processing financial applications.
Communication may occur for purposes including, but not limited to, confirmation of submitted details, clarification of documentation, scheduling of verification, coordination with partner banks or NBFCs, and informing the user about product offers that may match their eligibility profile. The company may also communicate reminders regarding pending documentation or incomplete application processes to ensure smooth processing.
Users understand that communication may be initiated by Kistwala.com directly or by authorized partner institutions with whom the user’s application has been shared. Once information is forwarded to a bank, NBFC, or insurance provider, those institutions may independently contact the user for further verification, KYC procedures, underwriting requirements, or credit evaluation. Kistwala.com shall not be responsible for the independent communication policies of such institutions.
Email communication may include verification links, application confirmation messages, important policy updates, and service-related notices. In cases where email verification is required during registration, the user must click on the verification link sent to their registered email address to activate their account. Failure to verify the email address may restrict access to certain services.
The company may also use automated communication systems to send SMS or email notifications related to application progress. Such automated messages are strictly service-oriented and not unsolicited promotional communication. However, the company may occasionally inform users about new financial products, updated offers, or partner schemes that may be relevant to their eligibility profile. Users who do not wish to receive promotional communication may send a written request to support@kistwala.com to opt out, subject to processing requirements.
Users agree that communication records, including call logs, emails, and message history, may be stored by the company for documentation, compliance, quality monitoring, and dispute resolution purposes. Such records may be used to verify consent, confirm user instructions, or resolve misunderstandings related to application processing.
Kistwala.com shall not be liable for communication failure caused by incorrect contact details provided by the user. It is the user’s responsibility to ensure that accurate mobile number and email address are submitted during registration. If incorrect details are provided, the company shall not be responsible for missed communication or delays in application processing.
Users must not misuse communication channels by providing abusive, threatening, misleading, or fraudulent information. Any misuse of communication platforms may result in termination of services and potential legal action under applicable laws.
The company takes reasonable measures to ensure secure communication channels; however, users acknowledge that electronic communication may carry certain risks, including unauthorized access or interception beyond the control of the company. By choosing to communicate electronically, users accept these inherent risks.
Kistwala.com reserves the right to modify this Communication and Consent Policy at any time without prior notice. Updated versions shall be published on the website, and continued use of services after such publication shall constitute acceptance of the revised terms.
This policy shall be governed by the laws of India. Any disputes arising out of communication practices or consent interpretation shall be subject to the exclusive jurisdiction of the competent courts located in Narsinghpur, M.P., India.
For any communication-related queries, users may contact:
Kistwala.com
Narsinghpur, M.P., India
Email: support@kistwala.com