Shree Bhagwati Solutions ("we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our services, including through our website: www.shreebhagwatisolutions.com.

1. Who We Are

We are a proprietorship firm offering financial and compliance consultancy services, including:

• Home, Business & Vehicle Loan Consulting
• Government Subsidy Scheme Assistance
• Income Tax Return (ITR) Filing
• GST Registration & Udyam Registration
• Life and Health Insurance Advisory (in partnership with ICICI Prudential and Health Care)

We are an official DSA partner with Central Bank of India and work with Andromeda and RU Loans as third-party facilitators.

We are official partner with Hoogmatic Company

2. Information We Collect

We collect the following types of personal data:

• Name, phone number, and address
• PAN, Aadhaar, and other identity documents
• Income, employment, and banking details
• KYC documents as required by financial institutions

Collection methods include:

• WhatsApp messages (auto-deleted after 1 month)
• Documents shared by you directly
• Website cookies and third-party tools (explained below)

3. How We Use Your Information

We use your data to:

• Assist you in obtaining loans or subsidies
• File tax returns or register for GST/Udyam
• Facilitate insurance policy enrollment
• Share required data with our financial and insurance partners

4. Data Sharing & Third Parties

We may share your data with:

• Banks and NBFCs (e.g., Central Bank of India) for credit assessment and loan processing
• Andromeda, RU Loans (our loan partners)
• ICICI Prudential (life insurance) and Health Care (health insurance)

Data is shared only with your consent and strictly for service delivery.

5. Data Storage and Retention

• Data is saved only on our local system, not cloud or third-party servers
• WhatsApp is configured for auto-disappearing messages (1-month interval)
• Retained data is stored only as long as necessary to fulfill the services

6. Cookies and Web Tracking

Our website uses cookies to:

• Improve your browsing experience
• Remember user preferences
• Analyze website traffic

By continuing to use our site, you consent to the use of cookies unless you disable them in your browser settings.

7. Google AdSense and Third-Party Advertisements

We may display advertisements through Google AdSense or similar third-party networks. These services may:

• Use cookies or web beacons to serve ads based on your prior visits to this or other websites
• Collect anonymized data such as your IP address, browser type, device information, and browsing behavior

Google's use of advertising cookies enables it and its partners to serve ads based on your visits to our site and/or other sites on the Internet.

You can opt out of personalized advertising by visiting Google Ads Settings.

Note: We do not have control over the data collection practices of Google or other third parties. You should refer to their respective privacy policies for more information.

8. Your Rights

You have the right to:

• Request access or correction to your personal data
• Withdraw your consent (note: this may limit services we can offer)
• Request deletion of your data, subject to legal or contractual obligations

9. Security Practices

Although we do not follow formal security certifications like ISO 27001, we adopt reasonable measures to protect your data, including:

• Offline local system storage
• Controlled internal access
• Avoidance of cloud-based or public server storage

10. Children's Privacy

We do not knowingly collect personal data from individuals under 18 years of age. Our services are intended for adults only.

11. Grievance Redressal

If you have any privacy-related concerns or questions, you may contact us at:

Email: admin@shreebhagwatisolutions.com
Currently, we do not have a designated grievance officer.

12. Changes to This Policy

This Privacy Policy may be updated from time to time to reflect changes in our practices. Updates will be posted on this page with the revised date.

13. Contact Us

For questions or feedback regarding this policy, please contact:

Shree Bhagwati Solutions
Website: www.shreebhagwatisolutions.com
Email: admin@shreebhagwatisolutions.com