Since 2022
1. Introduction
A Associate Service ("we", "our", "us") operates a loan and insurance consultancy at L-Square Complex, Kaplipara, Near Police Outpost, Mundur, Palakkad, Kerala 678595, India. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.aassociateservice.in, contact us, submit a loan or insurance enquiry, or apply for a job with us.
In plain terms: the information you give us through our contact form, enquiry form, consultation pop-up, or job application form is used only to contact you back about your enquiry — whether that is a loan, insurance, or job application — and to provide the service you have asked for. We do not use your information for any other purpose without your consent.
By using our website or services, you agree to the data practices described in this policy. If you do not agree, please discontinue use of our website and services.
2. Information We Collect
The information we collect depends on how you interact with us. We collect only what we need to respond to your specific enquiry.
2.1 Information you provide directly
- For loan or insurance enquiries (contact form, consultation pop-up, phone or email enquiries): name, phone number, email address, postal address, and details of the loan or insurance product you are interested in (loan type, approximate amount, tenure, employment status, income range). You may also share supporting documents such as PAN, Aadhaar, bank statements, or property documents when we move forward with a specific application.
- For job applications (careers page): name, phone number, email address, postal address, resume/CV, cover letter, and any portfolio links you choose to share. If you progress to an interview, we may also collect identity and address proof for verification, only as required by law.
- Free-text messages you type into any form's message field.
2.2 Information collected automatically
- IP address, browser type, device type, operating system
- Pages visited, time spent on pages, referral source
- Approximate geographic location (city-level) derived from IP
2.3 Information from third parties
Where necessary and with your consent, we may receive information from banks, NBFCs, insurance companies, or credit information companies (such as CIBIL) for the purpose of processing your application.
3. How We Use Your Information
We use the information we collect strictly to respond to your enquiry and to provide the service you have requested. Specifically:
- To respond to loan or insurance enquiries: contact you back by phone, email, or WhatsApp; compare suitable products from our partner banks, NBFCs, and insurers; and, with your consent, prepare and submit applications on your behalf
- To process job applications: review your resume, communicate interview schedules and outcomes, verify identity and address if an offer is made, and comply with applicable labour and tax laws
- Service-related communications: send you application status updates, document requirements, and appointment reminders
- To improve our website and customer experience using aggregated, non-identifying analytics
- To comply with applicable legal, regulatory, and tax obligations (for example, AML/KYC record-keeping when we process a loan application)
We do not use your information for marketing campaigns unrelated to your original enquiry, and we do not sell or rent your information to third parties for their own marketing.
4. Sharing of Your Information
We do not sell your personal information. We share information only as follows:
- With partner banks, NBFCs, and insurers when you ask us to apply for a product on your behalf, and only the information they require
- With service providers who help us operate (e.g., email delivery, SMS notifications, hosting) under confidentiality obligations
- With regulatory or law enforcement bodies when required by valid legal process
- With your consent for any other purpose disclosed at the time of collection
5. Cookies and Tracking
Our website uses cookies and similar technologies to remember your preferences, analyze traffic, and improve user experience. You can control cookies through your browser settings; disabling some cookies may affect site functionality. We may also use third-party analytics (such as Google Analytics) that set their own cookies.
6. Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction. Documents shared with us are stored encrypted at rest and in transit. Access is restricted to staff with a business need. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain personal information only as long as necessary for the purposes described in this policy, or as required by law (for example, tax and AML record-keeping obligations typically require retention for 5 to 8 years). When information is no longer needed, we delete or anonymize it.
8. Your Rights
Subject to applicable law, you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate or incomplete information
- Request deletion of your information (subject to legal retention obligations)
- Withdraw consent for marketing communications at any time
- Lodge a complaint with the relevant data protection authority
To exercise these rights, contact us at aassociatesservice@gmail.com or call +91 80862 86672.
9. Children's Privacy
Our services are not directed to children under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us so we can delete it.
10. Third-Party Links
Our website may contain links to third-party sites (such as bank partners, government portals, or social media). We are not responsible for the privacy practices of those sites. We encourage you to read their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top will reflect the latest revision. Material changes will be communicated through our website or by direct notice where appropriate.
12. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact:
- A Associate Service
- L-Square Complex, Kaplipara, Near Police Outpost, Mundur, Palakkad, Kerala 678595, India
- Email: aassociatesservice@gmail.com
- Phone: +91 80862 86672
- Hours: Monday to Saturday, 9:30 AM to 6:30 PM IST