1. Introduction

PNS Associates (“PNS Associates”, “PNS”, “we”, “us” or “our”) respects your privacy and is committed to handling personal information responsibly and in accordance with applicable Indian laws.

This Privacy Policy explains how we collect, use, process, store, share and protect personal information when you:

• Visit pnsassociates.in
• Submit an enquiry, lead form or callback request
• Request a consultation
• Communicate with us through phone, SMS, email, WhatsApp or other channels
• Interact with our representatives, IVR, automated or AI-enabled systems
• Apply for or use any of our services
• Otherwise engage with PNS Associates

Our services may include:

• Loan and funding assistance
• Financial service facilitation
• Credit and credit-report-related advisory
• CIBIL-related assistance
• Business compliance services
• Property compliance and documentation services
• Insurance-related assistance
• Partner and channel-partner services
• Customer support
• Other allied advisory, facilitation and support services

This Privacy Policy should be read together with our Terms & Conditions, Grievance Redressal Policy, and any specific consent or notice presented when information is collected.

2. Information We May Collect

Depending on your interaction with us and the service requested, we may collect the following information.

2.1 Personal and Contact Information

This may include:

• Name
• Mobile number
• Alternate contact number
• Email address
• Address
• City, State and PIN Code
• Date of Birth
• Photograph
• Signature
• Other information required for the requested service

2.2 KYC and Identification Information

Where necessary and legally permitted, we may collect:

• PAN details
• Aadhaar-related information
• Passport details
• Voter ID details
• Driving Licence details
• GST details
• Business registration details
• Other identity or verification documents

2.3 Employment and Business Information

• Employer name
• Employment status
• Designation and occupation
• Salary details
• Work experience
• Business name and nature of business
• Business vintage
• Ownership structure
• Turnover
• Office address
• GST details
• Udyam details
• Other relevant employment or business information

2.4 Financial and Banking Information

• Income details
• Bank statements
• Salary slips
• Form 16
• Income Tax Returns
• GST Returns
• Profit and Loss statements
• Balance Sheets
• Cash-flow information
• Existing loan details
• EMI obligations
• Outstanding liabilities
• Credit-card obligations
• Repayment information
• Other relevant financial information

2.5 Credit-Related Information

• Credit scores
• Credit reports
• Loan-account information
• Repayment history
• Overdue or delinquency information
• Written-off or settled account information
• Credit enquiries
• Lender-reported information
• Dispute-related information
• Other information relevant to credit review, rectification or improvement advisory

2.6 Property and Compliance Information

• Property details
• Ownership information
• Title documents
• Sale deeds and agreements
• Survey numbers
• Registration records
• Encumbrance-related records
• Tax records
• Approvals
• Land records
• Licences
• Statutory registrations
• Other documents required for the requested service

2.7 Partner and Channel-Partner Information

• Name and contact details
• Professional profile
• Business or organization details
• Location
• PAN or GST details where required
• Bank details for lawful payment purposes
• Referral information
• Onboarding documents

2.8 Website and Technical Information

• IP address
• Browser and device type
• Operating system
• Referring source
• Pages visited
• Date and time of access
• Approximate location derived from technical data
• Cookie identifiers
• Analytics data
• Campaign or lead-source information
• Website interaction data

2.9 Communication Information

• Emails
• WhatsApp messages
• SMS interactions
• Enquiry records
• Callback requests
• Complaints
• Service requests
• Consultation notes
• Call logs
• Communication history
• Call recordings, transcripts, summaries and related metadata where lawful

3. How We Collect Information

We may collect information:

• Directly from you
• Through our website or enquiry forms
• Through lead-generation or callback forms
• Through phone, SMS, email or WhatsApp
• During online or physical consultations
• Through documents submitted by you
• Through persons authorized by you
• Through referral or partner channels
• Through authorized service providers or business partners
• Through advertising or lead-generation platforms
• Through cookies and analytics tools
• Through IVR, automated or AI-enabled systems
• From publicly available sources where legally permitted

If another person provides information on your behalf, that person should have appropriate authority to do so.

4. How We May Use Your Information

We may use personal information to:

• Respond to enquiries
• Verify or acknowledge requests
• Understand your requirements
• Provide consultations
• Conduct preliminary or indicative eligibility assessments
• Facilitate loan or funding enquiries
• Assist with documentation and applications
• Identify potentially suitable lenders, products or service providers
• Communicate service or application status
• Provide credit-related analysis or assistance
• Support authorized credit-report disputes or rectification requests
• Provide business or property compliance services
• Facilitate insurance-related enquiries
• Onboard and manage partners
• Schedule appointments and callbacks
• Provide customer support and follow-ups
• Verify information
• Prevent fraud and misuse
• Maintain security
• Handle complaints and grievances
• Maintain business and transaction records
• Comply with legal or regulatory obligations
• Improve our website, systems and services
• Conduct quality assurance and training
• Perform analytics and operational improvement
• Send promotional communications where legally permitted

5. Consent and Authorization

Where consent is required, we may obtain it through:

• Website checkboxes
• Online forms
• Electronic confirmations
• Written authorizations
• Email
• WhatsApp
• Recorded or documented communications where legally permissible
• Other lawful methods

By submitting information for an enquiry or requested service, you authorize us to process relevant information for that purpose and for activities reasonably connected with fulfilling your request, subject to applicable law.

Separate consent may be obtained for:

• Sharing information with third parties
• Promotional communications
• Automated or AI-assisted interactions
• Call recording or transcription
• Credit-related processing
• Other activities requiring specific authorization

6. Calls, WhatsApp, IVR and AI-Assisted Communications

If you submit an enquiry or request a callback, PNS Associates may contact you regarding:

• Your enquiry
• Requested service
• Application
• Consultation
• Customer support
• Service updates
• Follow-ups
• Other communications permitted by law

Communication may take place through:

• Telephone or mobile calls
• SMS
• Email
• WhatsApp
• Messaging platforms
• Other legally permitted channels

Our communication systems may include cloud telephony, IVR systems, workflow automation, CRM platforms, AI-powered voice agents, chatbots, speech recognition, transcription technologies and other communication tools.

7. Call Recording and Monitoring

Subject to applicable law, calls or interactions may be:

• Monitored
• Logged
• Recorded
• Transcribed
• Summarized
• Analyzed

This may be done for:

• Quality assurance
• Training
• Customer support
• Verification
• Service improvement
• Dispute resolution
• Fraud prevention
• Security
• Compliance
• Audit
• Record keeping

Where legally required, appropriate notice or consent will be provided or obtained.