Privacy Policy (Updated for NPS, Credit Cards & Loan Referrals)
Last updated: May 31, 2025
Welcome to Sanchaykaro.com (“we,” “our,” or “us”). Your privacy is important to us. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website www.sanchaykaro.com and use our services, which now include:
- Demat account opening & stock investment education
- NPS (National Pension System) account opening – we act as a Point of Sales Person (POSP) under KFINTech (ARN-301757)
- Credit card referrals – we use affiliate/referral links and earn commissions
- Loan products – Personal Loan, Loan Against Portfolio, and other credit facilities through partner NBFCs / banks
By using our website or services, you agree to the terms of this Privacy Policy.
1. Information We Collect
1.1 Personal Information
When you use our services (Demat account, NPS account, credit card application, loan application, or contact forms), we may collect:
- Identity & contact data – name, email, phone number, address, date of birth
- Financial information – PAN, income range, employment details, existing investments (for loan against portfolio)
- KYC documents – Aadhaar, PAN card, bank statements (when required by partner institutions)
- NPS specific data – nomination details, contribution preferences, PFM choice
1.2 Non-Personal Information
Device data, IP address, browser type, browsing behaviour, referral source, and cookies (for analytics & ad personalisation via Google AdSense).
1.3 Referral & Commission Tracking
We use tracking pixels/cookies on referral links (credit cards, NPS, loans) to identify applications originated by us. This does not include sensitive personal data unless you explicitly provide it on the partner’s website.
2. How We Use Your Information
- To facilitate NPS account opening (via KFINTech POP platform) and process your contributions.
- To send your information to credit card issuers / banks when you click our referral links and apply for a card.
- To share your loan application details with our lending partners (NBFCs, banks) for Personal Loan or Loan Against Portfolio.
- To provide Demat account services & stock investment education (smallcase portfolios, multibagger stock ideas).
- To send you important updates, offers, newsletters (via SMS, Email, WhatsApp, RCS, Voice – with your consent).
- To improve our website and monitor referral performance for commission reconciliation.
3. How We Share Your Information (For Commission-Based Services)
We do not sell your personal data. However, to enable the services you request, we share necessary information with the following third parties:
| Service | Data Shared | Recipient | Purpose |
|---|---|---|---|
| NPS Account Opening | Name, PAN, DOB, address, mobile, email, nominee details | KFINTech (POP platform) – ARN-301757 | To generate PRAN, process contributions, and credit commission to us (SanchayKaro). |
| Credit Card Referral | Click data, application status (no financial data unless you fill on bank’s site) | Bank / Card issuer (via affiliate network) | To track referral and pay us commission. |
| Personal Loan / Loan Against Portfolio | Name, income, PAN, employment, existing portfolio value | Partner NBFC / Bank (e.g., Tata Capital, HDFC, etc.) | To process your loan application. We earn a referral fee upon successful disbursal. |
✅ Your consent: By applying for any of these products through our website or links, you authorise us to share your information with the respective partner institution solely for processing your application and for us to receive legitimate commissions.
We require all partners to maintain at least the same level of data protection as described in this policy.
4. Our Services & Disclaimers (Recap)
- We are not a SEBI registered Research Analyst. Stock recommendations are for educational purposes only.
- We do not recommend Futures & Options (FNO) trading.
- Mutual Fund investments are promoted under ARN-301757.
- Our specialty is smallcase portfolios for 3-5 year horizon (multibagger stocks).
- No guaranteed returns – investments carry risk.
NPS & Loan Services:
- We are an authorized POSP for NPS under KFINTech (ARN-301757).
- We act as a referral partner for credit cards and loans. We do not underwrite or sanction loans – that decision is solely by the partner bank/NBFC.
- We receive commissions from KFINTech, banks, and NBFCs when you successfully open an account or get a loan/credit card through our links.
5. Data Protection & Security
We implement reasonable safeguards (encryption, access controls) to protect your data. However, no internet transmission is 100% secure. For NPS and loan applications, your data is also governed by the privacy policies of KFINTech / respective banks.
6. Your Rights & Choices
- Access, correct, or delete your data – email us at
admin@sanchaykaro.com - Opt-out of marketing (SMS, WhatsApp, email) – reply “STOP” or click unsubscribe.
- Withdraw consent for data sharing with loan/credit card partners – note this will prevent us from helping you apply for those products.
7. Cookies & Tracking (Adsense & Referrals)
We use Google AdSense and referral tracking cookies. You may disable cookies via your browser settings, but that may affect referral attribution and our ability to credit commissions.
8. Our Locations
- Registered Office: Gurgram, Bhagwanpur, Purba Medinipur, West Bengal
- Branch Office: Khodiyar Colony, Jamnagar, Gujarat – 361006
9. Changes to This Privacy Policy
We may update this policy. Material changes will be notified via website notice or email. The “Last updated” date will be revised.
10. Contact Us
For any privacy-related questions, data requests, or concerns:
📧 Email: admin@sanchaykaro.com
🌐 Website: www.sanchaykaro.com
Thank you for trusting Sanchaykaro.com – your partner for NPS, investments, and financial growth.
