🔒 Privacy Policy

📋 Introduction

Welcome to Annapurna Consultancy ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website annapurnaconsultancy.in or use our services, including Banking CSP, PAN Card services, Digital Signature Certificates (DSC), Insurance, and Recharge services.

📦 Information We Collect

We may collect the following types of information:

• Personal Identification: Name, date of birth, Aadhaar number, PAN number, photograph
• Contact Information: Email address, mobile number, postal address
• Financial Information: Bank account details required for CSP or recharge services
• Device & Usage Data: IP address, browser type, pages visited, time spent on site
• Document Data: Scanned copies of ID proofs uploaded for PAN / DSC applications

🎯 How We Use Your Information

We use the information we collect to:

• Process and fulfill your service requests (PAN, DSC, Banking CSP, Insurance, Recharge)
• Verify your identity as required by government regulations (KYC norms)
• Send transactional notifications, confirmations, and updates
• Improve our website, services, and customer support
• Comply with legal obligations and regulatory requirements
• Prevent fraud and ensure security of our platform

🔗 Information Sharing & Disclosure

We do not sell your personal data. We may share your information only in the following circumstances:

• Government Bodies: NSDL, UTIITSL, banks, and other regulatory authorities as required for service completion
• Service Partners: Licensed DSC authorities (e.g., Ncode), insurance providers, recharge API partners
• Legal Requirements: When required by law, court order, or government authorities
• Business Transfer: In case of merger, acquisition, or sale of assets

🛡️ Data Security

We implement appropriate technical and organizational security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction, including:

• SSL/TLS encryption on all data transmissions
• Secure server storage with restricted access
• Regular security audits and vulnerability assessments
• Employee confidentiality agreements

However, no method of transmission over the Internet is 100% secure. We strive to use commercially acceptable means to protect your data but cannot guarantee absolute security.

🍪 Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your experience. Cookies help us remember your preferences and understand how you use our site.

• Session Cookies: Temporary, deleted when you close the browser
• Persistent Cookies: Remain for a set period to remember your preferences
• Analytics: We may use analytics tools to understand site traffic patterns

You can set your browser to refuse cookies, though some parts of the site may not function properly if you do so.

👤 Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your data (subject to legal obligations)
• Withdraw consent where processing is based on consent
• Lodge a complaint with the relevant data protection authority

To exercise any of these rights, please contact us using the details below.

🔞 Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately and we will take steps to delete it.

🔄 Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date. We encourage you to review this policy periodically.