Privacy Policy

1. Introduction

Kalandri Capital Private Limited (“Kalandri”, the “Company”, “we”, “us” or “our”) is committed to protecting the privacy of individuals whose personal data we process. This Privacy Policy explains how we collect, use, disclose, store and protect your personal data when you visit https://www.kalandricapital.net or avail our services. We process personal data in accordance with applicable Indian law, including the Information Technology Act, 2000 and the rules thereunder, the Digital Personal Data Protection Act, 2023 and applicable RBI directions.

2. Information We Collect

We may collect the following categories of information:

• Identity & contact data — name, address, email, phone number, date of birth.
• KYC & financial data — PAN, government-issued identifiers, bank account details, income and credit information, as required to assess and service credit facilities.
• Transaction data — details of loans, repayments and payments made through our banking and payment-gateway partners.
• Technical data — IP address, device and browser information, and usage data collected through cookies and similar technologies.

3. How We Use Your Information

We use your personal data to: (a) verify your identity and complete KYC; (b) assess creditworthiness and process loan applications; (c) disburse, service, administer and recover credit facilities; (d) process payments and reconcile transactions; (e) comply with legal, regulatory and reporting obligations; (f) prevent fraud and ensure the security of our services; and (g) communicate with you and respond to your queries.

4. Legal Basis & Consent

We process personal data on the basis of your consent, for the performance of a contract with you, to comply with legal obligations, and for our legitimate business interests. Where required, we obtain your consent at the point of collection. You may withdraw consent subject to applicable legal and contractual restrictions.

5. Sharing & Disclosure

We may share your personal data with: (a) credit information companies and credit bureaus as permitted by law; (b) banking and payment-gateway partners to process transactions; (c) service providers and professional advisers acting on our behalf under appropriate confidentiality obligations; (d) regulators, statutory and law-enforcement authorities where required by law; and (e) group entities for permitted purposes. We do not sell your personal data.

6. Cookies

The Website may use cookies and similar technologies to enable core functionality, remember your preferences and understand how the Website is used. You can control cookies through your browser settings; disabling certain cookies may affect the functionality of the Website.

7. Data Security

We implement reasonable technical, administrative and physical security practices designed to protect personal data against unauthorised access, alteration, disclosure or destruction, in line with applicable law. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal data for as long as necessary to fulfil the purposes described in this Policy and to comply with legal, regulatory, accounting and reporting requirements, after which it is securely deleted or anonymised.

9. Your Rights

Subject to applicable law, you may have the right to access, correct or update your personal data, withdraw consent, and seek grievance redressal. To exercise these rights, please contact our Grievance Officer using the details below.

10. Grievance Officer

In accordance with applicable law, the Company has designated a Grievance Officer to address concerns regarding the processing of personal data: Tejasri Thammana (tejasri@kalandricapital.com). You may also refer to our Fair Practices Code for the broader grievance-redressal mechanism.

11. Changes to this Policy

We may update this Privacy Policy from time to time. The revised version will be posted on this page with an updated “Last updated” date. We encourage you to review this page periodically.