Karzmaaf Financial Advisory Services is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified, you can be assured that it will only be used in accordance with this privacy statement.

Karzmaaf Financial Advisory Services may update this policy from time to time by revising this page. You should check this page periodically to ensure that you are happy with any changes.

This policy applies to information we hold about you. In this policy, 'we', 'us', and 'our' mean Karzmaaf Financial Advisory Services, office address: 4th Floor, Plot 93, Sector 44, Gurugram, Haryana 122003, India.

This policy applies to information held about current and potential future customers, clients, and suppliers. By 'Information' we mean personal and financial information about you that we collect, use, and store.

• Your name
• Your contact details (including your address and email address)
• Date of birth
• Call recordings (where applicable)
• Information from your credit file (soft checks that do not affect your credit score)
• Information about outstanding debts and repayment history
• Limited publicly accessible information such as media reports or Google searches if required to update records or establish contact

We require this information to understand your needs and provide you with better service, and for the following reasons:

• Internal record keeping
• To improve our products and services
• To carry out settlement service activities

• Information you provide via email, website forms, or written correspondence
• Call recordings (for quality and training purposes)
• Information collected from third parties, such as:
  • Credit reference agencies (Equifax, CIBIL, Experian, Highmark)
  • Debt management companies authorised to act on your behalf
  • Law firms assisting with settlement verification and documentation
• Publicly available sources, such as Google search results or media reports

• Review your credit profile
• Assess unsecured loans for settlement
• Verify number of missed EMIs and age of outstanding loans
• Confirm proof of funds required for settlement
• Provide accurate settlement negotiation services

We will retain your information for 5 years from the date it is provided to Karzmaaf Financial Advisory Services. The retention period is necessary to:

• Respond to any queries or complaints
• Provide information requested by clients or regulators
• Comply with financial and legal obligations

We are committed to ensuring that your information is secure. To prevent unauthorised access or disclosure, we have implemented suitable physical, electronic, and managerial procedures to safeguard the information we collect.

You have the right to request a copy of the personal information we hold about you. To exercise this right, please contact us:

If you wish to make a complaint regarding your information, you may email us at info@karzmaaf.in. We will respond within seven (7) business days of receiving your complaint.

Our website may contain links to other websites of interest. However, once you leave our website, we are not responsible for the protection and privacy of any information you provide to such sites. You should review the privacy policy of any external website you visit.

• We will not sell, distribute, or lease your personal information to third parties unless required by law.
• If you believe that any information we hold is incorrect or incomplete, please contact us. We will promptly correct any errors.