About Us

— PRIVACY POLICY —

1. Introduction

BHAGWATI FINANCIAL SERVICES values your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information.

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2. Information We Collect

a) Personal Information

• Name
• Phone number
• Email address
• Financial details (as required for services)

b) Device Information

• IP address
• Device type
• Browser details

c) Cookies & Tracking

• Website usage data
• Preferences

d) Message Data

• WhatsApp and RCS communication records

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3. Purpose of Data Collection

We collect data to:

• Provide financial services
• Communicate via WhatsApp & RCS
• Improve customer experience
• Comply with legal obligations

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4. Consent for WhatsApp & RCS Data Processing

By engaging with us, you consent to:

• Receiving messages via WhatsApp and RCS
• Processing of communication data under Meta and telecom guidelines

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5. Legal Basis for Processing

We process data based on:

• User consent
• Contractual necessity
• Legal compliance under Indian laws

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6. How We Use Collected Data

• Service delivery
• Customer support
• Notifications and updates
• Fraud prevention

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7. Data Retention & Deletion

We retain data only as long as necessary. Users may request deletion, subject to legal obligations.

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8. Data Sharing with Third Parties

We may share data with:

• Meta (WhatsApp)
• Google (analytics/tools)
• Telecom operators

All sharing complies with applicable laws and policies.

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9. Security Measures & Encryption

We implement:

• Data encryption
• Secure servers
• Access controls

However, no system is 100% secure.

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10. Cookies & Tracking Technologies

We use cookies to enhance user experience. Users can disable cookies via browser settings.

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11. Data Transfer & Storage (India-based)

Data is stored securely within India or in compliance with Indian data protection laws.

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12. User Rights

You have the right to:

• Access your data
• Correct inaccuracies
• Request deletion

Requests can be made via email.

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13. Policy for Children

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

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14. Updates to Privacy Policy

We may update this policy periodically. Changes will be posted on our website.

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15. Governing Law (India)

This Privacy Policy is governed by Indian laws. Jurisdiction lies in Mumbai courts.

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16. Contact Information

BHAGWATI FINANCIAL SERVICES
Address: B203, Sachdev Complex, Bhandup West, Mumbai – 400078
Phone: 9833388864
Email: sawantrmahesh@gmail.com