Privacy Policy

SKB is a financial services facilitation and financial distribution company that may work with banks, NBFCs, housing finance companies and other financial institutions, subject to applicable agreements, authorisations and regulatory requirements.

Unless specifically stated otherwise, SKB is not itself a bank, NBFC, housing finance company or lending institution and does not independently sanction or disburse loans.

Loan approval, pricing, interest rate, tenure, loan amount, security requirements and other lending conditions are determined by the concerned lender based on its internal policies, credit assessment, eligibility criteria and applicable law.

Depending upon the service requested and the stage of your application, we may collect information including:

• Full name and contact details
• Mobile number and email address
• Residential and communication address
• Date of birth and demographic information where required
• PAN and other identification information where legally required
• Employment and professional information
• Business details, where applicable
• Business vintage and nature of business
• Income and financial information
• Banking information and financial statements
• ITR, GST and accounting information
• Existing loan and repayment information
• Property-related information
• Documents submitted in support of a financing application
• Loan requirement, requested amount and purpose
• Credit-related information where lawfully obtained
• Application and transaction-related information
• Communications and correspondence with SKB
• Information relating to your interaction with our website or digital platform
• Device, browser, IP address and technical information where collected through our website
• Cookie and analytics information where applicable

We request only such information as may reasonably be required for the relevant purpose.

Information may be collected:

• Directly from you
• Through forms submitted on our website
• Through telephone, email, WhatsApp or other communication channels
• Through authorised channel partners
• Through banks, NBFCs, housing finance companies or other financial institutions where permitted
• Through authorised service providers
• Through documents voluntarily submitted by you
• Through technology platforms used to process or manage applications
• Through publicly available information where legally permissible

SKB may use personal information for purposes including:

• Understanding your financial requirements
• Assessing basic eligibility for financial products
• Identifying potentially suitable financing options
• Facilitating applications with relevant lenders
• Communicating with lenders and financial institutions
• Processing and tracking applications
• Verifying information and documents
• Providing customer support
• Managing customer relationships
• Preventing fraud and misuse
• Maintaining records
• Complying with applicable laws, regulations and contractual obligations
• Resolving complaints and disputes
• Improving our services and technology
• Conducting internal analytics and operational reporting
• Communicating service-related information
• Sending promotional communications where appropriate consent or another lawful basis exists

Where necessary and legally permissible, SKB may share relevant information with:

• Banks
• NBFCs
• Housing finance companies
• Other authorised financial institutions
• Credit information companies, where applicable and legally permitted
• Verification agencies
• Legal, technical, compliance and professional advisers
• Information technology and cloud service providers
• Communication and customer-support service providers
• Other service providers engaged for legitimate business purposes
• Authorised channel partners, where necessary and appropriately authorised
• Government, regulatory or law-enforcement authorities where required by law

SKB will seek to limit disclosure to information reasonably necessary for the relevant purpose.

We do not intend to sell personal information to unrelated third parties for their independent commercial use.

Where consent is required, SKB may obtain consent before collecting, processing or sharing relevant information.

Customers may be provided with separate consent mechanisms for:

• Financial-service facilitation
• Sharing information with lenders
• Credit-related services
• Marketing communications
• Website cookies or analytics
• Other specific purposes

A customer’s refusal to provide information that is necessary for a requested service may prevent SKB from providing or facilitating that service.

Financial documents submitted to SKB may contain highly confidential information.

Customers should submit documents only through authorised SKB channels.

SKB may use such information for the purpose for which it was provided, including evaluating and facilitating financing requirements, subject to applicable law and relevant contractual arrangements.

SKB takes reasonable measures designed to protect personal information against unauthorised access, alteration, disclosure, misuse, loss or destruction.

Security measures may include:

• Access controls
• Authentication mechanisms
• Role-based access
• Secure communication channels
• Monitoring and logging
• Data backup
• Employee confidentiality obligations
• Vendor security controls
• Periodic review of security practices

However, no electronic transmission or storage system can be guaranteed to be completely secure.

SKB may retain information for as long as reasonably necessary to fulfil the purpose for which it was collected, comply with legal and regulatory requirements, satisfy contractual obligations, resolve disputes, prevent fraud and maintain appropriate business records.

Specific retention periods may differ depending upon the nature of the information, the service involved and applicable legal or contractual requirements.

Our website may use cookies, analytics tools and similar technologies to improve website functionality, understand usage patterns, maintain security and improve user experience.

Where required, relevant consent mechanisms may be provided.

Users may also be able to control cookies through their browser settings, although disabling certain cookies may affect website functionality.

Our website may contain links or references to websites, platforms or services operated by third parties.

SKB is not responsible for the privacy practices, content, security or policies of third-party websites.

Customers should review the applicable privacy policies before providing information to third parties.

Subject to applicable law, customers may contact SKB regarding questions or requests relating to their personal information, including requests concerning access, correction, updating or other applicable data rights.

Requests may be submitted through email at skbfinancesolutions@gmail.com.

SKB may need to verify the identity and authority of the person making such a request before processing it.

SKB’s financial services are intended for persons legally capable of entering into applicable financial arrangements.

We do not knowingly seek personal information from children except where legally permitted and appropriately authorised.

SKB may process information to identify, investigate and prevent fraud, identity misuse, document manipulation, suspicious activity and other unlawful or unauthorised activities.

Where required, information may be shared with relevant institutions or authorities.

SKB may update this Privacy Policy from time to time to reflect changes in our business, technology, applicable law or regulatory requirements.

The updated version will be published on our website with the revised “Last Updated” date.

For privacy-related questions or requests: