We may collect information that you voluntarily provide when you contact us or submit a website enquiry. This may include your name, phone number, email address, city or PIN code, preferred contact method, enquiry type and the message you submit.
We may also collect limited technical information automatically through our hosting, security, analytics or similar tools if enabled. This can include IP address, browser type, device information, referring pages, approximate location, date and time of access, and website usage data.
Our Gold Loan Calculator and EMI Calculator are intended to help you estimate possible values and repayment scenarios. Calculator inputs are used to generate estimates and are not intended to be treated as a loan application or approval request.
Unless you separately submit information through a contact form or another enquiry channel, calculator entries are not intended to be used as customer application data.
We may use the information you provide to respond to your enquiry, contact you using your preferred communication method, provide information about Koshmitra services, assist with calculator or website questions, maintain business records, improve our website and customer experience, and protect our website against misuse, fraud or security threats.
We do not use your website enquiry to guarantee loan approval, sanction, valuation or disbursal.
Our website may use cookies or similar technologies for essential website functionality, security, performance measurement and analytics. If analytics, advertising or other third-party tools are enabled, those providers may process technical information according to their own privacy policies.
You can control or delete cookies through your browser settings, although disabling certain cookies may affect website functionality.
We do not sell your personal information. We may share information with service providers that support our website, hosting, email delivery, security, analytics or business operations where reasonably necessary.
We may also disclose information where required by law, regulation, court order or a lawful request from a government or regulatory authority, or where disclosure is reasonably necessary to protect our legal rights, users or website.
We aim to retain personal information only for as long as reasonably necessary for the purpose for which it was collected, for customer support, record keeping, legal compliance or dispute resolution.
We use reasonable administrative and technical safeguards to protect information. However, no internet transmission or electronic storage method can be guaranteed to be completely secure. Please do not send OTPs, passwords, banking PINs, UPI PINs or other highly sensitive credentials through our website forms.
