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Privacy Policy

How Ajiwika Financial Services collects, uses, stores, and protects your personal information.

Last updated: June 2026

1. Introduction

Ajiwika Financial Services Private Limited ("Ajiwika", "we", "us") is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (ajiwika.org) or contact us through any corporate channel.

2. Information We Collect

Information You Provide

  • Name, email address, phone number
  • Correspondence and enquiry details when you contact us
  • Any other information you voluntarily submit through our website or email

Automatically Collected Information

  • IP address, browser type, and device information
  • Pages visited and time spent on our website
  • Referring website or search terms

3. How We Use Your Information

  • Responding to enquiries and correspondence
  • Grievance resolution and customer support
  • Regulatory reporting to RBI and other authorities when required
  • Website improvement and analytics (anonymized)
  • Compliance with applicable laws and regulations

4. Data Sharing

We do not sell your personal data. We may share information with:

  • Service providers — for website hosting, analytics, and communication (under strict data processing agreements)
  • Regulatory authorities — RBI, MCA, law enforcement (when legally required)

5. Data Security

We implement bank-grade security measures including:

  • 256-bit SSL/TLS encryption for data in transit
  • Encrypted storage for sensitive data at rest
  • Access controls and audit logging
  • Regular security assessments
  • Data stored on servers located in India

6. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations (including RBI record-keeping requirements), and resolve disputes. KYC records are retained for a minimum of 5 years after account closure as per RBI guidelines.

7. Your Rights

You have the right to:

  • Access your personal data held by us
  • Request correction of inaccurate data
  • Withdraw consent for data processing (subject to legal obligations)
  • Lodge a complaint with our Grievance Officer or the RBI Ombudsman

To exercise these rights, contact us at tanay@ajiwika.org.

8. Cookies

Our website uses essential cookies for functionality and analytics cookies to understand usage patterns. You can manage cookie preferences through your browser settings.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via our website. Continued use of our website after changes constitutes acceptance.

10. Contact

For privacy-related queries:

Ajiwika Financial Services Private Limited
House Of Nirmal Ganguly, 404 Phonindra Apartment,
19 Raja K L Goswami Road, Seerampur, Hooghly 700712
Email: tanay@ajiwika.org