Policies:

Welcome to Shubhchintak (https://shubhchintak.org.in), a platform dedicated to providing loan settlement support, anti-harassment services, and legal assistance for individuals facing financial distress due to unsecured loans. At Shubhchintak, we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our website and services.
Please read them carefully.

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1. Information We Collect

When you interact with our platform, we may collect the following types of information:

• Name, email address, and phone number
• PAN card number, Aadhaar number (if required)
• Helping customers respond to legal notices
• Loan details (lender, amount, overdue status, etc.)
• Communication and support history

2. How We Use Your Information

Your data is used solely for the purpose of delivering our services, including:
• Understanding your financial distress and loan situation
• Negotiating with lenders on your behalf
• Assisting you with legal notices and arbitration processes
• Improving our services and user experience
• Sending important updates, documentation, or follow-ups

We do not use your information for marketing unrelated products or sell your data to third parties.

3. Data Sharing & Disclosure

• We may share your personal information only in the following cases:
  1. With partner advocates or legal experts for case support
  2. With your explicit consent, to approach banks/NBFCs for negotiations
  3. To comply with legal obligations or law enforcement requests
  We do not share or sell your information with third-party marketing companies.

4. Data Security

• We implement appropriate physical, technical, and organizational security measures to protect your personal info from:
  1. Unauthorized access or disclosure
  2. Accidental loss, misuse, or alteration
  3. While we use standard security protocols, no method of data transmission over the Internet is 100% secure.

5. Cookies and Tracking

• Our website may use cookies or similar technologies to:
  1. Track usage patterns
  2. Remember user preferences
  3. Analyze web traffic for service improvements

6. Your Rights

• You have the right to:
  1. Access the personal data we hold about you
  2. Request corrections to inaccurate or outdated information
  3. Request deletion of your data (unless legally required to retain it)
  4. Withdraw consent at any time

7. Children’s Privacy

• Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors.

8. Changes to This Policy

• We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

9. Contact Us

• For questions or clarifications, you can reach us at:
  Email:  info@shubhchintak.org.in
  Phone:  +91 73031 21339
  Website:   https://shubhchintak.org.in