Ayush Fiscal Private Limited ("Company", "we", "our", or "us") is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). We are committed to protecting the privacy of our customers, partners, and visitors. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you engage with us through our website https://ayushfiscal.com or other digital platforms.

This policy applies to all users of our services including enterprises (partnership firms, private limited companies, LLPs, and other legal entities), vendors, service providers, and visitors of our digital assets.

Note: This Privacy Policy does not apply to individuals seeking personal or consumer loans.

We may collect and process the following types of data:

• KYC Information: PAN, Aadhaar (where permitted), GST, CIN, company incorporation details, and associated documentation.
• Business & Financial Data: Bank account details, transaction history, ITRs, credit score, financial documents.
• Contact Details: Business phone numbers, office address, and email of authorized signatories.
• Usage Data: Information about how you use our website and services.
• Device & Log Data: IP address, browser type, operating system, and access time.

We use your information for the following purposes:

• Assessing and processing business loan applications.
• Verifying the identity of business entities and their representatives.
• Performing credit checks and risk analysis.
• Meeting regulatory and compliance obligations.
• Monitoring and improving services and customer experience.
• Detecting and preventing fraud or unlawful activities.
• Internal audits, reporting, and legal compliance.

We process your data based on:

• Your explicit or implied consent.
• Legal obligations under RBI and other financial regulations.
• Legitimate interests in ensuring secure and effective service delivery.

We do not sell or rent your data. We may share your data only with:

• Credit bureaus and financial institutions for eligibility checks.
• Regulatory or legal authorities upon lawful request.
• Authorized third-party service providers strictly under confidentiality agreements.
• Technology and data analytics partners for service improvement.

We implement industry-standard technical and organizational measures to ensure the confidentiality, integrity, and availability of your data.

Your data is retained only for as long as it is necessary for the purposes outlined above or as required by law.

Subject to applicable laws, you may have the right to:

• Access or correct your business-related information.
• Request deletion or restriction of certain data processing.
• Object to processing based on legitimate interest.

We may use cookies and similar technologies on our website to analyze traffic and enhance user experience. You can control cookie preferences through your browser settings.

We reserve the right to modify this policy at any time. Updates will be posted on our website along with the effective date.

For any privacy-related concerns or complaints, please contact:

Grievance Redressal Officer

Name: Mr. Bapan Sarkar

Email: nodal.grievance@ayushfiscal.com

Address: 9, Lal Bazar Street, 3rd Floor, Block A, Kolkata, West Bengal, India – 700001