This Privacy Policy explains how KG Finvest ("KG Finvest", "we", "us", "our")
collects, uses, discloses, stores and protects information when you use our website
(kgfinvest.com), our Android application KG Finvest (package name
com.kgfinvest.twa), and related services (together, the "Services"). "KG Finvest" is the
trade/business name under which these Services are operated. The registered legal entity name, if
different from "KG Finvest" as per PAN/GST/business registration records, is:
[REGISTERED LEGAL ENTITY NAME, IF DIFFERENT FROM "KG FINVEST" — TO BE CONFIRMED].
KG Finvest is an AMFI-registered Mutual Fund Distributor (ARN-301473) and an IRDAI-licensed Insurance Advisor (URN ABLI1701250261). KG Finvest also assists customers with loan-related, property-finance, business-finance, tax-filing, National Pension System (NPS) and general financial-planning services. For loan, insurance, mutual fund/investment and similar products, KG Finvest generally acts as a facilitator, distributor, or advisor that helps you connect with, apply to, or obtain services from the relevant bank, non-banking financial company (NBFC), insurer, asset management company (AMC), registrar/transfer agent, or other regulated financial institution. KG Finvest is not the lender, insurer, or fund manager, and does not itself approve loans, underwrite insurance policies, or manage mutual fund schemes, unless expressly stated otherwise for a specific service.
Please read this Privacy Policy carefully. By using our website or Android application, you agree to the collection and use of information in accordance with this Policy.
This Privacy Policy applies to:
This Policy does not apply to third-party websites, apps, or services that we do not own or control, even if you reach them through a link on our Services (see Section 19).
We may collect the following categories of information, depending on which service(s) you use:
| Category | Examples | Why we may collect it |
|---|---|---|
| Identity information | Full name, date of birth, gender, PAN, Aadhaar or other government-issued ID/KYC details (where applicable and legally required), photograph | To identify you, verify eligibility for a financial product, and complete Know Your Customer (KYC) requirements imposed by the relevant bank, NBFC, insurer, AMC, or regulator |
| Contact information | Mobile number, email address, residential/office address | To communicate with you, send OTPs, share application status, and enable the relevant financial institution to contact you where required |
| Employment / business information | Employer name, designation, business type, years in business/employment | Required by lenders/insurers/AMCs to assess eligibility and process applications |
| Income and financial information | Income details, bank statements, existing loan/EMI details, credit-related information, investment amounts | To assess loan eligibility, affordability (e.g., FOIR/EMI analysis), insurance needs, or investment suitability, and to share with the relevant institution processing your request |
| Loan/property requirements | Loan amount, tenure, purpose, property details/documents, ownership information | To process loan, Loan Against Property (LAP), or property-finance related requests and share with the applicable lender |
| Documents you upload | KYC documents, income proof, bank statements, property papers, insurance-related documents, tax documents (e.g., Form 16, ITR filings) | To support the specific application, filing, or advisory service you have requested |
| Application/account information | Application status, service selections, login credentials (if an account is created), OTP verification records | To operate your account, track applications, and provide customer support |
| Communications | Messages, emails, WhatsApp chats, call records, support queries you send us | To respond to your queries, provide updates, and maintain service records |
| Device and technical information | Device type, operating system, browser type, app version, crash logs | To ensure the website/app functions correctly, diagnose issues, and improve performance |
| IP address and approximate location | IP address, and, if enabled, coarse location derived from IP | For security, fraud prevention, and to understand general usage patterns |
| Cookies and similar technologies | Session identifiers, preference cookies | To keep you logged in, remember preferences, and understand site usage (see Section 12) |
| Information from third parties | Status updates or confirmations received from a bank, NBFC, insurer, AMC, or other financial institution regarding an application you submitted through us, where legally permitted to be shared with us | To keep you informed of your application status and provide ongoing support |
We collect information that you provide directly (e.g., through forms, calculators, document uploads, or chat/WhatsApp), information generated automatically when you use our website or app, and, where legally permitted, information shared with us by the financial institution to which you applied.
We use the information described above to:
We do not use your sensitive financial or identity information for any purpose beyond the service you requested, our internal compliance obligations, and other purposes disclosed in this Policy, unless you separately consent.
We process personal information on the basis of: (a) your consent, given when you submit a form, upload a document, create an account, or otherwise use the Services; (b) the necessity of processing to take steps at your request before, or to perform, a service you have asked us to provide or facilitate; (c) compliance with applicable legal or regulatory obligations (including obligations under Indian information-technology, financial-service, and data-protection law); and (d) our legitimate interests in operating, securing, and improving the Services, provided such interests do not override your rights. Where required by applicable law, we will seek your explicit consent before collecting or processing sensitive personal data.
We may share your information in the following circumstances:
We do not sell your personal information to third parties. We do not share your information with unrelated third parties for their own independent marketing purposes without your consent.
KG Finvest facilitates access to financial products offered by third-party banks, NBFCs, insurers, asset management companies, and other regulated financial-service providers ("Financial Partners"). When you request a specific product or service through us (e.g., a loan, an insurance quote, a mutual fund investment, or NPS enrolment), we may share the relevant information you have provided — such as your identity, contact, income, employment, property, or document information — with the applicable Financial Partner so that they can assess and process your request.
Important clarifications:
Note: KG Finvest does not currently disclose the specific names of individual partner banks, NBFCs, insurers, or AMCs in this Privacy Policy. If KG Finvest wishes to name specific partners, this section should be updated accordingly before publishing.
We use third-party service providers to help operate our Services. Depending on the feature you use, this may include:
These providers process information on our behalf and are contractually or otherwise required to use it only for the purposes we specify and to apply appropriate safeguards.
Note: If KG Finvest uses any analytics SDK (e.g., Google Analytics/Firebase Analytics) or advertising SDK inside the website or Android app, that SDK and the categories of data it collects must be listed here and disclosed in the Google Play Data Safety form. This draft does not name a specific analytics SDK because none was confirmed; add one only if actually integrated.
Information you provide is stored on secured servers and cloud infrastructure operated by us or our service providers, generally located in India or accessible in accordance with applicable law. We retain personal information for as long as reasonably necessary to provide the Services you have requested, to maintain business and compliance records, and to satisfy the legal, regulatory, tax, accounting, audit, and dispute-resolution obligations described in Section 17. Retention periods vary by data type and applicable regulation; specific retention periods are set out at [RETENTION PERIOD DETAILS / POLICY REFERENCE].
We implement reasonable technical and organizational measures designed to protect your information from unauthorized access, alteration, disclosure, or destruction, including access controls, encrypted storage where applicable, and restricted internal access to sensitive documents and financial data. However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security of your information.
Data transmitted between your device and our website/app is encrypted in transit using industry-standard HTTPS/TLS. OTP-based verification is used to help confirm your identity for certain actions. Where documents are uploaded, they are transmitted over an encrypted connection to our storage infrastructure.
Our website may use cookies and similar technologies (such as local storage) to keep you logged in, remember your preferences, and understand how the site is used, so that we can improve it. Our Android application, being a Trusted Web Activity, may use the same web-based cookies as the website when loading https://kgfinvest.com/app/index.html. You can control or disable cookies through your browser settings; disabling cookies may affect the functionality of certain features (such as staying logged in). If any analytics or advertising technology is added to the website or app in future, this section will be updated to name the provider and describe the data collected.
We may contact you via SMS, email, WhatsApp, or phone call to: send OTPs for verification; share updates about your application or service request; respond to support queries; and, where you have consented, share information about other KG Finvest services. You may opt out of non-essential promotional communications at any time by contacting us using the details in Section 22; you cannot opt out of essential service or transactional communications (such as OTPs or application-status updates) needed to provide the Services.
You may choose not to provide certain information, but this may limit or prevent your ability to use specific features (for example, a loan or insurance application generally cannot be processed without the necessary identity and financial information). Where a service requires sharing your information with a Financial Partner, we will seek your consent (e.g., via an OTP-verified submission or an explicit consent checkbox) before sharing that information, except where sharing is otherwise required by law.
You may request access to, correction of, or deletion of the personal information we hold about you, subject to the limitations described in Sections 16 and 17. To make a request, contact us using the details in Section 22 or Section 23. We will verify your identity before acting on a request and will respond within a reasonable time, consistent with applicable law.
If you have created an account through the KG Finvest website or Android application, you may request deletion of your account and associated personal data at any time by:
Note: the account-deletion page above must be published and made functional by KG Finvest before this Policy is relied upon for Google Play submission. Until it is live and verified, users should be directed to the email option only.
Upon a verified request, we will delete or anonymize your account and associated personal data from our active systems, except for information that we are required or permitted to retain for legal, regulatory, tax, accounting, fraud-prevention, dispute-resolution, or other lawful purposes as described in Section 17. We do not claim that all information is erased immediately or in every system upon request; residual copies may persist in backups for a limited period before being overwritten in the ordinary course of our data-retention cycle.
Certain records — including KYC documents, transaction records, application records, and communications related to financial products — may be subject to minimum retention periods under applicable Indian law and regulatory requirements (including requirements applicable to AMFI-registered distributors, IRDAI-licensed advisors, and the relevant lenders/insurers/AMCs involved in your application), as well as tax and accounting laws. We will retain such records for the period required by the applicable law or regulation, even after an account-deletion request, and will delete or anonymize them once that retention period has lawfully expired.
Our Services are intended for use by individuals who are at least 18 years old and legally competent to enter into financial contracts in India. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take steps to delete such information.
Our website or app may contain links to third-party websites, portals, or services (for example, a lender's application portal, an insurer's policy portal, or an AMC/BSE StAR MF platform). This Privacy Policy does not apply to those third-party websites or services. We encourage you to review the privacy policy of any third-party site before providing your information to it.
We may update this Privacy Policy from time to time to reflect changes in our practices, Services, or applicable law. We will post the updated Policy on this page with a revised "Last Updated" date. Where changes are material, we will take reasonable steps to notify you (for example, via the website, app, email, or WhatsApp) before the changes take effect. Your continued use of the Services after an update constitutes acceptance of the revised Policy.
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, you may contact us at:
In accordance with applicable Indian information-technology and data-protection requirements, privacy and data-related grievances may be addressed to:
Note: if KG Finvest wishes to name a specific individual as the designated Grievance Officer (as distinct from the general business contact above), replace the entry above with that person's name and direct contact details.
We will acknowledge and address grievances within the timelines required under applicable law.