Privacy Policy

1. Who We Are

ProWiderKart (prowiderkart.com) ek financial facilitation platform hai jo individuals aur businesses ko RBI-registered lenders, IRDAI-registered insurers, aur authorized payment aggregators ke saath connect karta hai.

Important: Hum NOT a lender, NOT an insurer, NOT a payment aggregator, NOT an insurance broker, NOT a SEBI-registered investment advisor. Sab financial product decisions (approval, terms, rates, premiums) hamare partners independently lete hain unki internal policies aur applicable regulations ke according.

Hamari service users aur partners dono ke liye FREE hai. Hum aapse koi processing fee, consultation fee, ya service charge nahi lete. Hamari income partner institutions ke saath revenue-share arrangement se aati hai.

Contact Details

Operating entity: ProWiderKart
Place of business: Mumbai, Maharashtra, India
Email: info@prowiderkart.com
WhatsApp: 📞 Call +91 98332 16954

2. Data We Collect

Jab aap hamari service use karte hain, hum ye information collect kar sakte hain:

• Identifying information: Naam, mobile number, email address
• Product interest: Konsa loan, insurance, payment gateway, ya partner program ki enquiry hai
• Basic profile: City, age range, business type (agar aap voluntarily share karein)
• Technical information: IP address, browser type, device info, pages visited (standard analytics)
• Communication content: WhatsApp messages, emails, form submissions jo aap initiate karein

Hum sirf woh data collect karte hain jo aap voluntarily provide karte hain enquiry form bhar ke, WhatsApp CTA click kar ke, ya seedhe contact kar ke.

3. Why We Collect Your Data

Hum aapka data sirf in purposes ke liye process karte hain:

1. Aapki financial product requirement samjhne ke liye
2. Aapko sabse suitable RBI/IRDAI-registered partner(s) se connect karne ke liye
3. Aapki queries ka response dene aur product information provide karne ke liye
4. Updates, follow-ups, aur relevant offers ke liye (aapki consent ke saath)
5. Hamari service ko improve karne ke liye anonymized analytics ke through
6. Applicable legal obligations comply karne ke liye

4. Your Consent

Jab aap hamare enquiry form, WhatsApp CTA, ya kisi aur channel se information submit karte hain, aap free, specific, informed, aur unambiguous consent dete hain hum aapka data process karne ke liye stated purposes ke liye.

Aap kabhi bhi apna consent withdraw kar sakte hain. Bas info@prowiderkart.com pe "Withdraw Consent" subject ke saath email bhejein. Hum 24 hours me acknowledge karenge aur 30 days me data delete karenge (legal retention requirements ke alawa).

5. Data Sharing

Hum aapka information ONLY in entities ke saath share karte hain:

• RBI/IRDAI-registered partner institutions jo aapki enquiry ke liye relevant hain — aapki explicit consent ke saath
• Service providers (email service, analytics, hosting) — strict confidentiality agreements ke under
• Government authorities — jab law ke under required ho ya valid legal request ho

Hum aapka personal data kabhi sell, rent, ya trade NAHI karte kisi bhi third party ke saath marketing purposes ke liye.

6. Data Storage and Security

Aapka data India-based servers pe store hota hai. Hum reasonable security practices implement karte hain IT (Reasonable Security Practices) Rules, 2011 ke according:

• Encrypted transmission (HTTPS / SSL)
• Access controls aur authentication
• Regular backups
• Limited data retention periods
• Restricted internal access on need-to-know basis

7. Data Retention

Hum aapka personal data retain karte hain:

• 18 months last interaction se, OR
• 6 months successful product conversion se (whichever earlier)

Iske baad data securely delete ya anonymize ho jata hai, jab tak retention law ke under required na ho.

8. Your Rights Under DPDP Act 2023

As a data principal, aapke paas ye rights hain:

1. Right to access: Aap pooch sakte hain ki hum aapka kya data rakhte hain
2. Right to correction: Inaccurate data correct karwane ka
3. Right to erasure: Apna data delete karwane ka (legal exceptions ke alawa)
4. Right to withdraw consent: Kabhi bhi, koi reason diye bina
5. Right to grievance redressal: Hamare Grievance Officer ke through (Section 11)
6. Right to nominate: Death ya incapacity ke case me kisi aur ko apne rights exercise karne ke liye nominate karne ka

Koi bhi right exercise karne ke liye: info@prowiderkart.com pe email karein appropriate identification ke saath.

9. Cookies and Analytics

Hum standard cookies aur Google Analytics use karte hain website usage samjhne ke liye. Ye anonymized data collect karte hain (page views, session duration, traffic sources). Aap browser settings me cookies disable kar sakte hain — but some features properly function nahi karenge.

10. Children's Data

Hamari service 18 years se kam age ke logon ke liye intended nahi hai. Hum knowingly minors ka data collect nahi karte. Agar aapko lagta hai ki hamne kisi minor ka data collect kiya hai, immediately hume contact karein deletion ke liye.

11. Grievance Officer

IT Act 2000, IT Rules 2021, aur DPDP Act 2023 ke according hamare Grievance Officer ki details:

12. Data Breach Notification

Personal data breach ki unlikely event me, hum Data Protection Board of India aur affected users ko 72 hours me notify karenge as required by DPDP Act 2023.

13. Changes to This Policy

Hum is Privacy Policy ko time-to-time update kar sakte hain. Significant changes website pe notify honge aur (where applicable) registered users ko email/WhatsApp pe inform kiya jayega. "Last updated" date page ke top pe latest revision reflect karta hai.

14. Third-Party Links

Hamari website me third-party websites (jaise partner institutions) ke links ho sakte hain. Hum un third parties ke privacy practices ke liye responsible nahi hain. Apna data share karne se pehle unki privacy policies review karein.

15. Governing Law and Jurisdiction

Ye Privacy Policy India ke laws ke according governed hai. Koi bhi disputes Mumbai, Maharashtra ke competent courts ki exclusive jurisdiction ke under aayenge.

16. Contact Us

Privacy Policy ya hamari data practices ke baare me koi question:

Email: info@prowiderkart.com
WhatsApp: +91 98332 16954
Postal: Mumbai, Maharashtra, India