Privacy Policy

website address is: http://kistwala.com.

Kistwala.com recognizes the importance of maintaining the privacy, confidentiality, and security of personal information shared by its users. This Privacy Policy has been drafted to clearly explain how personal information is collected, used, stored, processed, disclosed, and protected when individuals visit, access, or use the website and services provided by Kistwala.com. By accessing the website or submitting any information through online forms, users agree to the practices described in this Privacy Policy and consent to the collection and use of information in accordance with the terms mentioned herein.

Kistwala.com operates strictly as a Direct Selling Agent (DSA), Direct Marketing Agent (DMA), and Referral or Channel Partner for various banks, Non-Banking Financial Companies (NBFCs), and insurance companies. The company does not operate as a bank, does not provide loans directly, does not issue credit cards, and does not underwrite insurance policies. All financial products displayed or marketed through the platform are provided solely by third-party financial institutions, and final decisions are taken by those institutions based on their independent policies and risk assessment criteria.

When a user visits Kistwala.com and submits an application for a loan, credit card, insurance policy, or related financial product, the company may collect certain personal and financial information necessary for processing the request. This may include, but is not limited to, the user’s full name, mobile number, email address, residential address, city and state details, date of birth, employment type, income details, business information (if self-employed), Permanent Account Number (PAN), Aadhaar details if required by partner institutions, existing loan information, EMI obligations, and other supporting documentation relevant to eligibility verification. The company may also collect technical data such as IP address, browser type, device information, and cookies data for analytical and security purposes.

The primary purpose of collecting such information is to assist users in applying for financial products and to share the submitted details with authorized partner banks, NBFCs, or insurance companies for evaluation. The company may also use the information to contact users regarding application status, document verification, clarification of details, eligibility assessment, customer service support, and improvement of website functionality. All information collected is used solely for legitimate business purposes related to financial product facilitation and compliance with applicable laws.

By submitting personal information on the website, users provide explicit consent to be contacted by Kistwala.com or its authorized representatives via phone call, SMS, WhatsApp message, or email communication. This consent applies even if the user’s mobile number is registered under the Do Not Disturb (DND) registry. Users understand and agree that such communication is necessary for processing their application and providing updates regarding financial products. Users may withdraw consent by contacting support@kistwala.com; however, withdrawal of consent may impact the processing of their application.

Kistwala.com does not sell, rent, or trade personal data to unauthorized third parties for marketing purposes. However, in order to facilitate loan, credit card, or insurance applications, the company may share user information with RBI-registered banks, licensed NBFCs, insurance providers, credit card issuers, verification agencies, and technology service providers involved in processing the application. Once information is shared with partner institutions, the handling and processing of such data are governed by the respective institution’s privacy policies, and Kistwala.com shall not be responsible for how third parties manage or protect user information.

Loan and credit card approvals are significantly influenced by an applicant’s credit history and CIBIL score. Users are informed that if they have a low credit score, history of EMI bounce, loan settlement record, written-off account, or ongoing default, the chances of approval may be reduced. Kistwala.com does not guarantee approval and does not have authority over credit decisions. Any inquiry made by partner banks or NBFCs for credit evaluation may reflect on the user’s credit report. The company shall not be held responsible for any impact on the user’s CIBIL score resulting from application processing or bank inquiries.

The company implements reasonable technical and administrative safeguards to protect user information from unauthorized access, misuse, alteration, or disclosure. These measures may include secure server infrastructure, restricted access controls, and data protection protocols. However, no online transmission or storage system can be guaranteed to be completely secure. Users acknowledge that they provide information at their own risk, and Kistwala.com cannot guarantee absolute security against cyber threats, hacking attempts, or technical vulnerabilities beyond its control.

User information is retained only for as long as necessary to fulfill the purpose for which it was collected, including application processing, regulatory compliance, dispute resolution, and enforcement of agreements. After completion of the purpose, the company may delete, anonymize, or securely archive the data as required by law.

The website may use cookies and tracking technologies to enhance user experience, analyze traffic patterns, and improve functionality. Cookies help in remembering user preferences and optimizing website performance. Users may choose to disable cookies through browser settings; however, certain features of the website may not function properly if cookies are disabled.

Kistwala.com strictly provides services only to individuals who are 18 years of age or older and legally capable of entering into binding agreements. The company does not knowingly collect personal information from minors. If it is discovered that information has been collected from an individual below the age of 18, such information shall be deleted promptly.

The company shall not be liable for any financial loss, rejection of application, delay in processing, change in interest rates, modification of eligibility criteria, or any other decision made by partner financial institutions. All financial products are governed by the independent policies of the respective banks or NBFCs, and users are advised to read the terms and conditions of those institutions before proceeding.

Kistwala.com reserves the right to modify, update, or revise this Privacy Policy at any time without prior notice. Any changes will be posted on this page along with the updated revision date. Continued use of the website after such modifications constitutes acceptance of the revised policy.

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India. Any disputes arising in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts located in Narsinghpur Madhya Pradesh , India.

For any questions, concerns, or complaints related to privacy or data protection, users may contact the company at support@kistwala.com.

Kistwala.com is committed to protecting the privacy, confidentiality, and security of personal information shared by users who access or use our website and related services. This Privacy Policy describes in detail how we collect, use, process, disclose, store, and safeguard your information when you interact with our website, submit applications, or avail services relating to loans, credit cards, insurance, and other financial products.

Kistwala.com operates as a Direct Selling Agent (DSA), Direct Marketing Agent (DMA), and Referral/Channel Partner for various banks, Non-Banking Financial Companies (NBFCs), and insurance providers in India. We are not a bank, NBFC, or insurance company. We do not directly provide loans or issue credit cards.

By accessing our website or submitting your personal details, you agree to the practices described in this Privacy Policy.

Scope of Policy

This Privacy Policy applies to:

  • Visitors browsing our website
  • Individuals submitting loan, credit card, or insurance applications
  • Users contacting us through online forms, WhatsApp, call, or email
  • Users making payments toward service charges

This policy does not apply to third-party websites, banks, NBFCs, or insurance providers whose services may be linked to our platform. Users are advised to review the privacy policies of those institutions separately.

Information We Collect

We may collect personal and financial information including but not limited to:

Personal Identification Information
  • Full Name
  • Date of Birth
  • Gender
  • Marital Status
  • Residential Address
  • City / State / PIN Code
  • Contact Number
  • Email Address
Financial & Credit Information
  • PAN Card Details
  • Aadhaar Details (if required by partner institutions)
  • Income Details
  • Salary Slips / ITR Information
  • Employment Type (Salaried / Self-Employed)
  • Business Details
  • Existing Loan Details
  • EMI Obligations
  • CIBIL Score (if voluntarily shared or checked via authorized partner)
Technical Information
  • IP Address
  • Browser Type
  • Device Information
  • Cookies & Usage Data

We only collect information that is necessary for processing your financial application or improving our services.

Purpose of Data Collection

The information collected from users is used strictly for legitimate business purposes, including:

  • Processing loan, credit card, or insurance applications
  • Sharing data with authorized banking and financial institutions
  • Conducting preliminary eligibility assessment
  • Verifying documents
  • Communicating application status
  • Providing consultation and documentation assistance
  • Improving customer service and website functionality
  • Complying with regulatory and legal obligations

We do not sell, trade, or rent personal information to unauthorized third parties.

Consent & Communication

By submitting your information on Kistwala.com, you expressly consent to:

  • Being contacted via phone call
  • Receiving SMS notifications
  • WhatsApp communication
  • Email correspondence
  • Sharing of your information with partner banks/NBFCs/insurance providers

Even if your number is registered under DND (Do Not Disturb), you authorize us to contact you regarding your application.

You may withdraw consent by writing to support@kistwala.com, subject to ongoing application processing requirements.

Data Sharing & Disclosure

Your information may be shared with:

  • RBI-registered Banks
  • NBFCs
  • Insurance Companies
  • Credit Card Issuers
  • Verification Agencies
  • Technology Service Providers assisting in processing

We ensure that data sharing is done only for legitimate processing purposes.

However, Kistwala.com is not responsible for how third-party financial institutions handle your data once shared. Users are advised to review partner policies.

CIBIL & Credit Information Disclaimer

Loan and credit card approvals are subject to your credit profile and repayment history. If you have:

  • Low CIBIL score
  • EMI bounce history
  • Loan settlement record
  • Written-off accounts

Your approval chances may be reduced.

Kistwala.com does not control credit decisions and is not responsible for any CIBIL score impact arising from application submission or bank inquiries.

Data Security Measures

We implement reasonable technical and administrative safeguards, including:

  • Secure server infrastructure
  • Limited access controls
  • Data encryption where applicable

However, no digital system is 100% secure. We cannot guarantee absolute security of transmitted data.

Users submit information at their own risk.

Data Retention

We retain user information only for as long as necessary to:

  • Complete application processing
  • Maintain legal compliance
  • Resolve disputes
  • Enforce agreements

We may delete or anonymize data after completion of purpose.

Cookies Policy

Our website may use cookies to:

  • Improve user experience
  • Analyze traffic
  • Store preferences

Users can disable cookies in browser settings, though some features may not function properly.

Children’s Privacy

Our services are intended only for individuals aged 18 years and above. We do not knowingly collect information from minors.

Limitation of Liability

Kistwala.com shall not be liable for:

  • Data breach caused by third-party institutions
  • Unauthorized access beyond our control
  • Loss arising from misuse of user credentials
  • Financial losses due to loan rejection

Users are responsible for ensuring accuracy of submitted information.

Policy Updates

We reserve the right to update or modify this Privacy Policy at any time. Changes will be posted on this page with updated revision date.

Continued use of our website indicates acceptance of the revised policy.

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