Privacy Policy

At Shrikirthi Chits ("we", "us", or "our"), we are committed to protecting the privacy and confidentiality of our members, website visitors, and customers. This Privacy Policy outlines how we collect, use, store, share, and safeguard your personal information when you visit our website, use our services, or interact with us in any way.

By accessing or using our website or services, you agree to the terms of this Privacy Policy. If you do not agree with any part of this policy, please do not use our website or services.

1. Information We Collect

We may collect the following types of information:

a) Personal Information You Provide

• Full name, phone number, and email address (submitted via contact forms)
• Postal address, date of birth, and identification documents (for chit membership onboarding)
• Payment and banking details (for chit subscriptions and prize disbursements)
• Any other information you voluntarily provide through our website or in person

b) Information Collected Automatically

• IP address, browser type, device information, and operating system
• Pages visited, time spent, and referring URLs
• Approximate geographic location (city-level, derived from IP)

c) Information from Third Parties

• Verification data from government registries or KYC providers (where applicable)
• Referral information from existing members

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your enquiries and provide customer support
• To process chit fund memberships, subscriptions, and prize disbursements
• To verify your identity and comply with legal and regulatory requirements
• To send important updates, statements, and reminders related to your chit account
• To improve our website, services, and customer experience
• To send promotional communications (only with your consent, and you may opt out anytime)
• To detect, prevent, and address fraud, security, or technical issues

3. Sharing of Information

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers: Trusted partners who assist us with payment processing, KYC verification, IT hosting, or communication services — bound by confidentiality agreements.
• Legal Compliance: When required by law, court order, or government authority.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business.
• With Your Consent: For any other purpose, only with your explicit consent.

4. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience, analyse site traffic, and remember your preferences. Cookies are small text files stored on your device.

• Essential Cookies: Required for the website to function properly.
• Analytics Cookies: Help us understand how visitors interact with our site.
• Preference Cookies: Remember your settings and choices.

You can control or disable cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website.

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Encrypted transmission (HTTPS/SSL) for data submitted through our website
• Restricted access to personal data on a need-to-know basis
• Regular security reviews and staff training on data protection
• Secure storage of physical and digital records

6. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Chit fund records are typically retained for a minimum period as required under applicable Indian laws and regulations.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Objection: Object to certain processing activities, including marketing communications.
• Withdraw Consent: Withdraw consent at any time where processing is based on consent.

To exercise any of these rights, please contact us using the details provided in the Contact Us section below.

8. Third-Party Links

Our website may contain links to third-party websites (such as Google Maps, social media platforms, or payment gateways). We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party site you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so we can take appropriate action.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page will indicate when the policy was last revised. We encourage you to review this page periodically to stay informed about how we protect your information.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please reach out to us: