Data Commitment: Capital Solutions Private Limited respects your personal and financial privacy. This policy outlines our standards regarding data collection, processing, secure transmission, and regulatory disclosures in adherence with the Digital Personal Data Protection (DPDP) framework and Reserve Bank of India (RBI) guidelines for loan facilitation.
01. Scope and Purpose of Collection
We collect and process your personal and financial data solely to assess preliminary eligibility, prepare loan application documentation, and facilitate communication with authorized lending institutions (Banks, Housing Finance Companies, and NBFCs).
- Direct Sourcing Only: Data is collected directly through our online inquiry forms, secure upload links, or face-to-face consultations with your informed consent.
- Proportionality: We only request information strictly necessary to process your requested loan facility (Home Loan, Doctor Loan, Business Loan, Personal Loan, or Gold Loan).
02. Categories of Data Processed
Depending on the credit product requested, the following categories of information may be handled:
- Identification & KYC Details: Name, date of birth, residential address, telephone number, email, government-authorized identity documents (such as PAN, Passport, Voter ID, or other permitted KYC records).
- Employment & Income Data: Employer name, corporate designation, salary credit statements, Form 16, Income Tax Returns (ITR), audited balance sheets, and business profit & loss accounts.
- Property & Asset Records: Title deeds, prior title chain, Encumbrance Certificates (EC), property tax receipts, approved building permits, and vendor proforma invoices for equipment or machinery.
- Financial Liabilities: Existing debt amortization schedules, active credit card commitments, and ongoing EMI records.
03. Controlled Data Sharing & Third Parties
Capital Solutions Private Limited does not sell, rent, or trade your personal data to telemarketers or unauthorized third parties. Information is shared strictly under the following parameters:
- Regulated Lenders: Transmission of documentation to scheduled commercial banks, housing finance companies, or NBFCs that you have selected for loan appraisal.
- Authorized Credit Bureaus: Transmission to institutional partners who query registered credit information companies (e.g., CIBIL, Experian, Equifax, CRIF High Mark) in accordance with the Credit Information Companies (Regulation) Act, 2005.
- Statutory Authorities: Disclosures mandated by law, court order, or regulatory direction issued by government or law enforcement agencies.
04. Information Security & Zero-Credential Mandate
We deploy administrative, technical, and physical safeguards to prevent unauthorized access, alteration, or loss of your records:
- Strict Zero-Credential Policy: Capital Solutions Private Limited, its directors, and field executives will never ask for payment card PINs, online banking passwords, UPI PINs, or One-Time Passwords (OTPs).
- Encrypted Handling: Digital document repositories are restricted to authorized operational staff involved in preparing credit files.
- Customer Vigilance: Borrowers are strongly advised never to transmit confidential transaction PINs or passwords across open chat channels.
05. Your Rights & Data Retention
Under applicable Indian data protection laws, you maintain defined rights regarding your personal records:
- Right to Review & Correction: You may request access to review and correct inaccurate or incomplete personal records held by us.
- Right to Withdraw Consent: You may withdraw your consent for referral processing at any stage prior to loan sanction, subject to legal or statutory record-keeping constraints.
- Retention Schedule: Records are retained only for the duration necessary to satisfy regulatory loan referral compliance, audit verification, and statutory accounting rules under the Companies Act, 2013.
06. Statutory Enclosures & Regulatory Disclosures
The following schedule summarizes key corporate disclosures and compliance frameworks governing our operations:
| Enclosure Ref. |
Subject Matter |
Regulatory & Legal Basis |
| ENC-01 |
Entity Status |
Private Limited Company incorporated under the Companies Act, 2013. Not a banking company under Section 5(c) of the Banking Regulation Act, 1949. |
| ENC-02 |
Credit Sanction Authority |
All credit evaluations, interest rates, sanctions, and loan disbursements are exercised solely by RBI-regulated institutional lenders. |
| ENC-03 |
Pricing & Transparency |
Standardized disclosure through Key Facts Statements (KFS) and Annual Percentage Rate (APR) declarations before loan execution. |
| ENC-04 |
Penal & Prepayment Terms |
Strict alignment with RBI circulars governing non-compounding penal charges and zero prepayment penalties on individual floating-rate retail loans. |
| ENC-05 |
Grievance Redressal |
Internal Grievance Officer escalation pathway, with secondary recourse to the Reserve Bank - Integrated Ombudsman Scheme (RB-IOS). |
07. Grievance Redressal Officer
If you have questions, concerns, or complaints regarding the handling of your personal data or regulatory disclosures, please reach out to our designated officer:
- Officer: Grievance Redressal Officer
- Entity: Capital Solutions Private Limited
- Office Location: Thrissur, Kerala, India
- Response Window: All formal privacy and documentation concerns are reviewed within standard statutory business timelines.
