Privacy Policy

STRATAXIS CONSULTANCY SERVICES PRIVATE LIMITED, operating under the brand name "Praarabdh" ("we", "us", or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register on our website or fill out inquiry forms
• Apply for financial products (loans, insurance, investments)
• Subscribe to our newsletter or marketing communications
• Contact our customer support

This information may include:

• Full Name, Date of Birth, Gender
• Contact details (email, phone number, address)
• Financial information (income, employment details)
• Government-issued ID numbers (PAN, Aadhaar) for KYC compliance
• Bank account details for loan processing

Automatically Collected Information

When you access our website, we may automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Location data (with your consent)
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the collected information for the following purposes:

• Service Delivery: To process your applications for loans, insurance, and investment products
• KYC Compliance: To verify your identity as per SEBI, RBI, and IRDAI regulations
• Communication: To respond to inquiries and provide customer support
• Marketing: To send promotional offers and updates (with your consent)
• Analytics: To improve our website and services
• Legal Compliance: To comply with applicable laws and regulations

3. Information Sharing & Disclosure

We may share your information with:

• Partner Financial Institutions: Banks, NBFCs, and insurance companies to process your applications
• Regulatory Bodies: SEBI, RBI, IRDAI as required by law
• Service Providers: Third-party vendors for payment processing, IT services, and analytics
• Legal Authorities: When required by law, court order, or government request

We do NOT sell your personal information to third parties for marketing purposes.

4. Data Security

We implement industry-standard security measures including:

• SSL/TLS encryption for data transmission
• Secure servers with firewall protection
• Access controls and authentication mechanisms
• Regular security audits and vulnerability assessments
• Compliance with ISO/IEC 27001:2013 standards

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations (minimum 8 years as per PMLA)
• Resolve disputes and enforce agreements

6. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your data (subject to legal requirements)
• Opt-out: Unsubscribe from marketing communications
• Withdraw Consent: Withdraw consent for data processing

7. Cookies Policy

We use cookies to enhance your browsing experience. You can control cookie settings through your browser. Types of cookies we use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for targeted advertising

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.