This policy (“Privacy Policy”) applies to Sreesastha Ins- Corp Advisory Private limited  (herein after called “Nammaloan”) and all its subsidiaries and/or branch offices in India. It provides the practices and policies applicable to Nammaloan  (including its employees, interns, contractors, consultants, clients, customers or any other party directly or indirectly engaged for business or otherwise) for handling or dealing in Personal Information, including Sensitive Personal Data or Information (as defined below) that is lawfully collected by Nammaloan   . We collect personal data of our employees, potential employees, clients, suppliers, business contacts, shareholders and website users or any other individual or entities wherever required for business purposes or otherwise.

Nammaloan  attaches great importance to your right to privacy and the protection of your data. We want you to feel secure that when you deal with Nammaloan, your personal data are in good hands.
Nammaloan  protects your personal data following applicable laws and our data privacy policies. In addition, Nammaloan  maintains the appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing and/or against accidental loss, alteration, disclosure or access, or accidental or unlawful destruction of or damage thereto.

General Definitions

• Reference to you or your in this Privacy Policy refers to any natural person (including the employees of Nammaloan   ) who provides information referred to in Appendix 1 of this document.
• Act shall mean the Information Technology Act, 2000 and Rules thereunder as amended from time to time.
• Information shall mean and include Personal Information and Sensitive Personal Data and Information as may be collected by Nammaloan 
• Personal Information (PI) shall have the same meaning as under Rule 2 (i) of the Information Technology (Reasonable security practices a sensitive personal data or information) Rules, 2011 as amended from time to time. For ease of reference Rule 2 () of the Information Tech security practices and procedures and sensitive personal data or information) Rules. 2011 is re-produced under Appendix 1.
• Rules shall mean the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) F amended from time to time.
• Registered User shall mean such user whose registration is accepted by Nammaloan
• Sensitive Personal Data and Information (SPDI) shall mean and include information under Rule 3 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time. For ease of reference Rule 3 of the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 is re-produced under Schedule 1.

All words and expressions used and not defined in this document but defined in the Act or the Rules shall have the meanings respectively assigned to them in the Act or the Rules.

Nammaloan  is fully committed to respecting your privacy and shall ensure that your Information is safe. This privacy policy sets out the practices adopted in respect of Information, including the types of Information that is collected, how the information is collected, how the Information is used, how long the Information is retained and with whom it is shared (Privacy Policy). This Privacy Policy is published in compliance with the provisions of the Act and the Rules made thereunder that require publishing the privacy policy on the Nammaloan  website.

Collection and Use of Information:

1. Information Collection and Use

We collect various types of information to provide and improve our services to you.

1.1 Information You Provide

• Account Information: When you create an account, we collect personal information such as your name, email address, phone number, and billing details.
• Contact Information: When you upload or provide phone numbers and other contact details for sending SMS or voice messages, we store this information.

1.2 Information We Collect Automatically

• Log Data: We collect log data, including the dates and times of access to our service, message delivery status, and response logs.

2. How We Use Your Information

We use your information for several reasons, including:

• To Provide the Services: We use your information to fulfill your requests, process your transactions, and deliver the services you use.
• To Communicate with You: We may use your information to respond to your inquiries, provide customer service support, send you important information about the services, and send you marketing communications (with your consent) via different channels, including but not limited to SMS, Email, WhatsApp, and Voice.
• To Personalize Your Experience: We may use your information to personalize your experience with the services, such as tailoring content and recommendations to your interests.
• To Improve Our Services: We may use your information to improve the functionality, performance, and security of the services.
• To Comply with Legal Obligations: We may use your information to comply with applicable laws and regulations.

3. Your Choices

We respect your right to control your information. You can choose:

• To Opt Out of Marketing Communications: You can unsubscribe from our marketing emails by clicking the “unsubscribe” link at the bottom of any marketing email you receive from us.
• To Access and Update Your Information: You can access and update your information through your account settings on the services.

4. Data Retention

We will retain your information for as long as necessary to provide the services, comply with our legal obligations, resolve disputes, and enforce our agreements.

5. Security

We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no internet transmission or electronic storage is completely secure. We implement industry-standard security measures to safeguard your data.

6. Changes to this Privacy Policy

We may update this Privacy Policy from time to time.

Contact Us

If you have any questions about this Privacy Policy, please contact us at smn@nammaloan.in

Security of Information:

Nammaloan  strives to ensure the security, integrity and privacy of your PI/SPDI and the adequacy of protection of your Information against unauthorized access, alteration, disclosure or destruction. Stringent security measures (physical, electronic and managerial) are in place to protect against the loss, misuse, and alteration of the PI/SPDI under our control. Nammaloan  servers are accessible only to authorized personnel and your Information is shared with employees and authorized personnel strictly on a ‘need to know’ basis. Nammaloan  periodically assesses, audits and updates its information security protocols and policies to achieve the highest standards on a continuous and ongoing basis. You may review the Information you have provided to Nammaloan  at any time. On your request, Nammaloan  will ensure that any PI/SPDI notified to be inaccurate or deficient shall be corrected or amended. However, Nammaloan  shall not be responsible for the authenticity of the Pl/ SPDI.

Notwithstanding anything contained in this Privacy Policy or elsewhere , Nammaloan  shall not be held responsible for any loss, damage or misuse of your PI/SPDI, if such loss, damage or misuse is attributable to a Force Majeure Event.

Employees/Relevant Individuals Obligations Consequences of Violations:

Every Nammaloan  Employee/Relevant Individual, who deals with or comes into contact with Personal Data regardless of its origin, shall have a responsibility to comply with the applicable law concerning data privacy and specific privacy practices. The Employee/Relevant Individual should seek advice in the event of any ambiguity while dealing with Personal Data or in understanding this Policy. The Employee/Relevant Individual shall be diligent and extend caution while dealing with the personal data of others, in the course of the performance of his/her duties and shall also, at all times:

1. Prevent any unauthorized person from having access to any computer systems processing Personal Data, and especially:
2. unauthorized reading, copying, alteration, deletion or removal of data
3. un-authorized data input, disclosure, uploading. transmission/transfer of Personal Data
4. Abide by Nammaloan’s internal logical and physical security policies and procedures.
5. Ensure that authorized users of a data-processing system can access only the Personal Data to which their access right refers.
6. Keep a record of which personal data have been communicated, when and to whom.
7. Not provide any Personal Data to any third party without first consulting with his/her Manager or the Human Resources Department.
8. Ensure that Personal Data processed on behalf of a third party (client) can be processed only in the manner prescribed by such third party.
9. Ensure that, during communication of Personal Data and transfer of storage media, the data cannot be read, copied or erased without authorization.
10. Immediately, on becoming aware report and notify any vulnerabilities and privacy-related breach/security breaches (including potential risks).
11. Attend training on security and data privacy

Failure to comply with the Policy and applicable laws may have serious consequences and can expose both Nammaloan  and the Employee/Relevant Individual to damages, criminal fines and penalties. It is important to note that any non-compliance with this Policy is token very seriously by Nammaloan  and may lead to the initiation of appropriate disciplinary actions including but not limited to Employee dismissal or Relevant Individual termination.

Retention and Revocation of Information:

It is Nammaloan’s policy to retain certain Personal Data of the relevant individuals when they cease to be employed/ engaged by Nammaloan   . This Personal Data may be required for Nammaloan’s legal and business purposes, including any residual activities relating to the employment/engagement, provision of references, processing of applications for re-employment/re-engagement, matters relating to retirement benefits (if applicable) and allowing Nammaloan  to fulfil any of its contractual or statutory obligations.

We will retain your personal data only for as long as is necessary. We maintain specific records management and retention policies and procedures so that personal data is deleted after a reasonable time according to the following retention criteria:

• We retain your data as long as we have an ongoing relationship with you (in particular, if you have an account with us)
• We will only keep the data while your account is active or for as long as needed to provide services to you
• We retain your data for as long as needed to comply with our global legal and contractual obligations

Once Nammaloan  no longer requires Personal Data, it is destroyed appropriately and securely or anonymized per the law. Services transactional data is retained for three years.

Inquiries/Notification of Changes for Employees

You are entitled (in the circumstances and under the conditions, and subject to the exceptions, set out in applicable law) to:

• Request access to the personal data we process about you: this right entitles you to know whether we hold personal data about you and, if we do, to obtain information on and a copy of that personal data
• Request a rectification of your personal data: this right entities you to have your personal data corrected if it is inaccurate or incomplete
• Object to the processing of your personal data: this right entitles you to request that Nammaloan  no longer processes your personal data
• Request the erasure of your personal data: this right entitles you to request the erasure of your personal data, including where such personal data would no longer be necessary to achieve the purposes
• Request the restriction of the processing of your personal data: this right entitles you to request that Nammaloan  only processes your personal data in limited circumstances, including with your consent
• Request portability of your personal data: this right entitles you to receive a copy (in a structured, commonly used and machine-readable format) of personal data that you have provided to Nammaloan   , or request Nammaloan  to transmit such personal data to another data controller

You may contact Nammaloan     at smn@Nammaloan.in

4. Changes to this Policy:

• Nammaloan     reserves the right to change/modify this Cancellation and Refund Policy at any time.

Disclaimer

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

COPYRIGHT INFRINGEMENTS:

• We respect the intellectual property rights of others. If you believe that any material available on or
• through the Site infringes upon any copyright you own or control, please immediately notify us using
• the contact information provided below (a “Notification”). A copy of your Notification will be sent to
• the person who posted or stored the material addressed in the Notification. Please be advised that
• according to applicable law, you may be held liable for damages if you make material
• misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by
• the Site infringes your copyright, you should consider first contacting an attorney.

PROHIBITED ACTIVITIES:

• You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any comercial endeavours except those that
• are specifically endorsed or approved by us.

**WhatsApp business policy and terms and conditions of the services may be changed as per WhatsApp or Meta Norms/Policy or International laws from time to time. Nammaloan     is under no obligation to inform and/or bring to your notice/knowledge of the same if these changes happen.

Appendix 1

You are entitled (in the circumstances and under the conditions, and subject to the exceptions, set out in applicable law) to:

• Rule 2 (i)
  Personal information” means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.
• Rule 3
  Sensitive personal data or information of a person means such personal information which consists of information relating to:-
• password;
• financial information such as Bank account or credit card or debit card or other payment instrument details ;
• physical, physiological and mental health conditions;
• sexual orientation;
• medical records and history;
• Biometric information;
• any detail relating to the above clauses as provided to the body corporate for providing service; and
• any of the information received under the above clauses by the body corporate for processing, stored or processed under lawful contract or otherwise:
  provided that, any information that is freely available or accessible in the public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for these rules.
• Information collected from Registered Users:
• Sensitive personal data or information of a person means such personal information which consists of information relating to:-
• Name
• Date of Birth
• Address
• Email ID
• Gender
• Phone number
• Transaction details like mobile number, email, and message text.

Appendix 2

Information stored for employment/potential employment:

Last Name /Middle Name /First Name /DOB /Place of Birth /Present residential address /Permanent residential address /marital status person to notify in case of emergency /Personal Contact Details /Email ID /Date of joining Nammaloan   /Fathers/ Husbands name /Pan Card number / passport number / last Name in Passport – Date of issue passport – Place of issue passport – Date of expiry

Reference 1:Reporting Manager Reference 2: HR Details of visits abroad Previous Employer Name Total Year(s) of experience blood group,Spouse Name,DOB Of Spouse Name of 1st Child DOB Name of 2nd Child DOB Mention your Hobbies Gender Driving License Nationality All Education attained till date All Professional Qualifications

Appendix 3

Information stored for employment/potential employment:

Last Name Middle Name First Name DOB Place of Birth Present residential address Permanent residential address marital status person to notify in case of emergency Personal Contact Details Email ID  Date of joining Nammaloan    Fathers/ Husbands namePan Card number passport number last Name Passport – Date of issue passport – Place of issue passport – Date of expiry

Reference 1:Reporting Manager Reference 2: HR Details of visits abroad Previous Employer Name Total Year(s) of experience blood group Spouse Name DOB Of Spouse Name of 1st Child DOB Name of 2nd Child DOB Mention your Hobbies Gender Driving License Nationality All Education attained till date All Professional Qualifications

Employment History Company Name Address Line Managers Name Designation Last Position / Designation Held Dates of Employment Summary of Responsibilities: Reason for Leaving: Last Remuneration Package in Local Status

Employment Particulars Have you ever been a temporary, contractual, volunteer or outsourced employee? Have you ever been deputed to work at a company while being in the roles of a different company?

Personal Particulars Have you ever been refused entry to a foreign country? Have you ever been arrested or convicted in a court of law? Have you ever been declared bankrupt? Have you ever been suspended or dismissed by an employer? Do you have any relatives currently employed at the Firm? Have you ever been disqualified from acting as a Director?

References Full Name Designation / Job Title Company Name  Contact NumberNature of Relationship Years known Resume Signed Employee intellectual agreement signed Compliance Forms DOB proof Bank Details Signed Employment Documents