Privacy Policy

Please read this Privacy Policy (“Policy”) carefully before using this Platform. By visiting the Platform or creating an account on www.mkeshindia.com (the “Platform”) and clicking on the “I accept MKesh Terms and Conditions and Privacy Policy” button, you (“You”, “Your”, “User”) agree to be bound by this Policy and consent to MKesh India Private Limited (“MKesh”, “Company”, “We”, “Us”, “Our”) collecting, storing, processing, transferring, and sharing Your Personal Information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to our Terms of Service (“Terms”) and shall be read harmoniously and in conjunction with them. All capitalised terms used herein but not defined shall have the same meaning ascribed to them in the Terms.

1. Amendments

MKesh reserves the right to modify this Privacy Policy from time to time. Any amendments will be effective from the date they are posted on the Platform. We encourage You to review this Policy periodically for updates. Continued use of the Platform following any modifications shall constitute Your consent to such changes. This Privacy Policy (i) constitutes an electronic record under the Information Technology Act, 2000, and the applicable rules thereunder; and (ii) does not require any physical or digital signature.

2. Our Commitment to Privacy

Protecting Your privacy is a priority at MKesh. This Policy describes how we handle personal data collected through our Platform and Services. We believe responsible data use benefits customers and helps deliver personalized, relevant, and secure financial experiences. We ensure the highest standards of security, allowing access to Personal Information only to authorized personnel and systems. We never sell, rent, or share Your data with unrelated third parties.

3. Cookies

A “cookie” is a small file stored on Your device to help recognize and improve Your browsing experience. We use cookies to analyze user interactions and improve Platform functionality and to personalize and streamline Your user experience. You can manage cookies through Your browser settings. However, disabling cookies may impact certain features of the Platform.

4. Collection of Information

We collect both personal and non-personal information to facilitate and improve our Services. Personal Information includes name, email address, phone number, mailing address, financial details such as bank account, PAN, GSTIN, card details, or business identifiers, and the company or organization You represent. By providing information, You confirm its accuracy and consent to its collection and use. MKesh is not liable for false or misleading data submitted by users. Non-Personal Information includes device identifiers (IMEI, MAC address, IP address), browser type, operating system, SDK/API versions, session times, language, and location data. We may also collect geolocation information if You enable such access on Your device.

5. Use of Information

MKesh uses collected data to facilitate account creation, login, and management, deliver and improve Platform services, communicate service updates, offers, and support information, perform KYC verification and compliance checks, process payments, settlements, and customer transactions, maintain internal operations including auditing, analytics, and training, fulfill legal, regulatory, and anti-fraud obligations, and develop and promote new financial services and solutions. We do not collect or process sensitive data such as race, religion, political opinions, or health details unless explicitly provided with Your consent.

6. Disclosure of Information

We may share information only under lawful and secure conditions, including with banks, NBFCs, and payment partners involved in transaction processing; with regulatory bodies or law enforcement, where required by law; with third-party vendors providing IT, auditing, analytics, or infrastructure support (under strict confidentiality agreements); and with affiliates or subsidiaries within MKesh’s ecosystem for legitimate business purposes. We do not disclose information to any entity for marketing without Your explicit consent.

7. Commercial Communications

By providing Your contact details, You consent to receive communications (via email, SMS, or call) regarding MKesh products, services, and updates. You can withdraw this consent anytime by contacting us at support@mkeshindia.com.

8. Data Security

At MKesh, security is our priority. We employ bank-grade encryption, firewalls, and access controls to protect Your information against unauthorized access, alteration, or destruction. Access to data is restricted to trained personnel who require it for legitimate business functions. Our systems are regularly audited for compliance and security.

9. Access & Correction

You can request access to or correction of Your personal data by contacting us at support@mkeshindia.com. We may verify Your identity before granting access. Where correction is not possible, we will provide You with the reason.

10. Retention of Information

We retain personal data only as long as necessary for providing our services, fulfilling regulatory obligations, or resolving disputes. If You wish to withdraw consent or delete Your information, contact us at support@mkeshindia.com.

11. Consent

By using our Platform, You consent to the collection, storage, and processing of Your information as described in this Policy. You may withdraw consent by notifying us in writing, understanding that this may limit Your access to certain services.

12. Intellectual Property

All intellectual property rights relating to the Platform — including design, data, content, graphics, software, and trademarks — belong exclusively to MKesh India Pvt. Ltd. Users are granted a limited, revocable license to use the Platform as per the Terms of Service.

13. Third-Party Links

The Platform may contain links to third-party websites. MKesh is not responsible for their content or privacy practices. We encourage You to review the privacy policies of any third-party websites You visit.

14. Limitation of Liability

While MKesh employs advanced safeguards, no system is completely immune to risk. We are not liable for losses caused by events beyond our control, such as network outages, unauthorized access, or force majeure incidents.

15. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of India. All disputes shall fall under the exclusive jurisdiction of the courts of Pune, Maharashtra, India.

16. Contact Us

If You have any questions, requests, or complaints regarding this Privacy Policy, please contact us at:
MKesh India Private Limited
410, 4th Floor, World Trade Center, Kharadi, Pune, Maharashtra – 411014
📧 support@mkeshindia.com
🌐 www.mkeshindia.com