Privacy Policy

1. Introduction

Bachat One ("Bachat One", "we", "us", or "our") respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy describes how information is collected, processed, stored and used when you visit our website, use our financial tools, submit an enquiry, request information about financial products, or otherwise interact with our services.

By using our website or services, you consent to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

Depending on how you use our website and services, we may collect different types of information.

2.1 Personal Information

When you voluntarily submit information through our website, we may collect information such as:

• Full name
• Mobile number
• Email address
• Date of birth
• Residential or correspondence address
• Employment and business information
• Loan requirement and financial information
• Information provided through application forms

2.2 Device & Technical Information

We may automatically collect certain technical information when you visit our website, including:

• IP address
• Browser type and version
• Device type
• Operating system
• Pages visited
• Approximate usage and interaction information

3. How We Use Your Information

Information collected through our website may be used for legitimate business and service-related purposes, including:

• To provide information about loans, credit cards and other financial products.
• To process enquiries and applications submitted through our website.
• To connect you with relevant banks, NBFCs, financial institutions or lending partners.
• To communicate with you regarding your enquiry or application.
• To provide customer support.
• To improve our website, products, calculators and user experience.
• To prevent fraud, misuse and unauthorized activity.
• To comply with applicable legal and regulatory requirements.

4. Information Sharing & Disclosure

We do not intend to sell your personal information as a standalone product. However, information may be shared where reasonably necessary to provide the requested services.

Depending on your enquiry or application, your information may be shared with:

• Banks and financial institutions
• NBFCs and lending partners
• Service providers supporting our operations
• Technology and communication providers
• Professional advisers where necessary
• Government or regulatory authorities where legally required

Where information is shared with service providers or financial partners, we expect such parties to handle information responsibly and in accordance with applicable laws and their own privacy obligations.

5. Cookies & Similar Technologies

Our website may use cookies and similar technologies to improve website functionality, understand usage patterns and provide a better user experience.

Cookies may help us remember preferences, understand which pages are useful to visitors and improve the performance of our website.

You may configure your browser to refuse or delete cookies. However, disabling certain cookies may affect some website functionality.

6. Data Security

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

However, no method of transmitting or storing information electronically can be guaranteed to be completely secure. Therefore, while we take reasonable precautions, we cannot guarantee absolute security of information.

7. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide services, maintain business records, resolve disputes, prevent fraud, or comply with applicable legal and regulatory requirements.

The retention period may vary depending on the type of information and the purpose for which it was collected.

8. Third-Party Websites & Services

Our website may contain links to third-party websites, applications or services. These third parties may have their own privacy policies and practices.

Bachat One is not responsible for the privacy practices, content or security of third-party websites. We recommend reviewing the privacy policy of any third-party service before providing personal information.

9. Financial & Sensitive Information

Certain financial products or application processes may require additional information for eligibility, verification or processing.

Where such information is requested, it should be provided only through legitimate forms or channels associated with the relevant service. You should never share passwords, PINs, OTPs or other confidential authentication credentials with anyone claiming to represent Bachat One.

10. Your Privacy Rights

Subject to applicable law, you may have rights regarding your personal information, including the ability to:

• Request access to certain personal information.
• Request correction of inaccurate information.
• Request deletion where legally applicable.
• Withdraw certain consents where applicable.
• Raise questions or concerns regarding processing of your information.

Requests relating to personal information may be subject to verification and applicable legal requirements.

11. Children's Privacy

Our services are not intended for individuals who are not legally capable of entering into financial transactions. We do not knowingly collect personal information from children through our services.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices or applicable legal requirements.

Any updated version will be posted on this page with the revised "Last Updated" date. We encourage you to review this page periodically.