Privacy Policy

This Privacy Policy

KGM ARUN
Effective Date: 31 August 2026
Last Updated: 31 August 2026

KGM ARUN (“KGM ARUN”, “we”, “us” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how KGM ARUN collects, uses, processes, stores and protects information when you visit or interact with our website: https://kgmarun.com

It also applies to information provided to us through our enquiry forms, “Submit Your Business” form, email, telephone, WhatsApp or other legitimate business communications.

By using our website or voluntarily providing information to us, you acknowledge that you have read and understood this Privacy Policy.

This Policy should be read together with our Data Protection Policy, Disclaimer and Terms & Conditions.

KGM ARUN seeks to comply with applicable Indian privacy and data-protection requirements, including the Digital Personal Data Protection Act, 2023, the Digital Personal Data Protection Rules, 2025, as applicable from time to time, and other applicable laws and regulations. The DPDP Rules were notified by the Ministry of Electronics and Information Technology in November 2025, with provisions subject to their respective commencement timelines.

1. ABOUT KGM ARUN

KGM ARUN is an independent business and funding facilitation consultancy.

Our services may involve understanding and evaluating:

the nature and strength of a business;
business operations and history;
promoter and management background;
financial position;
proposed business plans;
funding requirements; and
the potential suitability of a funding opportunity.

Where appropriate, KGM ARUN may facilitate communication or introductions between businesses and potential funding partners.

The final decision regarding any loan, investment, financing arrangement or other funding transaction rests solely with the relevant lender, investor or funding institution.

2. INFORMATION WE COLLECT

We may collect information that you voluntarily provide to us when you:

contact us;
submit an enquiry;
submit your business details;
request information about our services;
communicate with us by email or telephone;
communicate with us through WhatsApp or other communication channels;
provide documents for preliminary business or funding evaluation; or
otherwise interact with KGM ARUN.

Depending on the nature of your interaction, this may include:

Personal Information

Name
Mobile number
Email address
Business address
Communication address
Designation
Professional information

Business Information

Where you submit your business for evaluation, we may receive:

Business name
Nature of business
Business constitution
Year of establishment
Industry
Business location
Promoter/owner information
Business experience and history
Approximate turnover
Financial information
Existing borrowings
Assets and liabilities
Business plans
Project details
Funding requirement
Proposed utilisation of funds
Supporting documents

You should provide only information that you are authorised to disclose.

3. INFORMATION COLLECTED AUTOMATICALLY

When you visit our website, certain technical information may be collected automatically depending on the website’s hosting, analytics, security and other technologies.

This may include:

IP address;
browser type;
operating system;
device information;
pages visited;
approximate time and date of access;
referring website;
website interaction information; and
information collected through cookies or similar technologies.

Such information is generally used for website functionality, security, analytics and improving the user experience.

4. HOW WE USE YOUR INFORMATION

KGM ARUN may use information collected from you for legitimate business purposes, including:

Enquiry Management

To respond to your questions, requests and enquiries.

Business Evaluation

To understand your business, its operations, financial position, promoter background, proposed business plan and funding requirement.

Funding Facilitation

Where appropriate and legally permissible, to facilitate communication or introductions with potential funding partners.

Communication

To contact you regarding:

your enquiry;
additional information required;
your submitted business proposal;
relevant services;
status of discussions; and
other communications reasonably related to your interaction with KGM ARUN.

Business Administration

To maintain appropriate business records and manage our relationship with clients and prospective clients.

Website Improvement

To understand how visitors use our website and improve its content, functionality, security and user experience.

Security and Compliance

To prevent misuse, fraud, unauthorised access and other security risks and to comply with applicable legal and regulatory obligations.

5. SUBMIT YOUR BUSINESS

Our Submit Your Business facility is intended to enable businesses to provide preliminary information regarding their business and funding requirements.

Information submitted through this facility may be used to:

understand the business;
assess the preliminary suitability of the funding requirement;
communicate with the person submitting the information;
request additional information or documents where appropriate; and
where considered appropriate and legally permissible, facilitate communication with potential funding partners.

Important

Submission of your business information does not constitute an offer, commitment or guarantee of funding.

A funding decision, if any, will be made independently by the relevant lender, investor or funding institution.

6. SHARING YOUR INFORMATION

KGM ARUN does not ordinarily sell your personal information.

Where appropriate and legally permissible, information may be shared with selected third parties for legitimate purposes, including:

potential funding partners;
lenders or financial institutions;
professional advisers;
legal and accounting professionals;
technology and website service providers;
CRM providers;
email and communication service providers;
cloud-storage providers;
cybersecurity and technical-support providers; and
government, regulatory or law-enforcement authorities where required by law.

Where information is shared for the purpose of evaluating a funding opportunity, we seek to limit the information disclosed to information reasonably relevant to that purpose.

7. POTENTIAL FUNDING PARTNERS

If your business is considered potentially suitable for further discussion, KGM ARUN may, where appropriate, facilitate an introduction or communication with a potential funding partner.

Such funding partners may independently conduct their own:

due diligence;
credit assessment;
financial analysis;
property assessment;
valuation;
legal review;
compliance checks; and
investment or lending evaluation.

Such third parties may have their own privacy policies and data-processing practices.

KGM ARUN does not control the independent processing of personal data undertaken by such third parties after lawful disclosure.

8. LOAN AGAINST PROPERTY

Where you enquire about Loan Against Property or other secured financing through KGM ARUN, information provided by you may be used to understand the requirement and, where appropriate, facilitate communication with potential lenders or funding partners.

Such information may include:

property-related information;
business information;
financial information;
funding requirement;
contact information; and
supporting documentation.

Any lender or financial institution will independently determine eligibility, valuation, loan amount, interest rate, security requirements and other applicable terms.

9. COOKIES

Our website may use cookies and similar technologies.

Cookies may be used for purposes including:

website functionality;
security;
remembering preferences;
analysing website traffic;
understanding website usage; and
improving user experience.

Third-party services used on the website may also use cookies or similar technologies.

You may control or disable certain cookies through your browser settings. However, disabling certain cookies may affect website functionality.

10. THIRD-PARTY SERVICES

KGM ARUN may use third-party technology and service providers to support our operations.

These may include providers of:

website hosting;
email;
CRM;
WhatsApp or other communication services;
cloud storage;
analytics;
form processing;
cybersecurity;
technical support; and
other business-support services.

Such providers may process information on our behalf where necessary to provide their services.

We seek to engage appropriate providers and implement reasonable safeguards consistent with applicable requirements.

11. THIRD-PARTY WEBSITES

Our website may contain links to third-party websites, platforms or services.

These websites operate independently and may have their own privacy policies and terms of use.

KGM ARUN does not control the privacy practices of third-party websites and is not responsible for their content, security or handling of personal information.

We recommend reviewing the privacy policy of any third-party website before providing personal information.

12. DATA SECURITY

KGM ARUN takes reasonable measures appropriate to our operations to protect information from:

unauthorised access;
unauthorised disclosure;
misuse;
alteration;
loss;
destruction; and
other reasonably foreseeable security risks.

Security measures may include appropriate access controls, password protection, restricted access, secure hosting arrangements, backups and other technical and organisational measures.

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

Accordingly, while we take reasonable precautions, we cannot guarantee absolute security.

The Indian cyber-security framework also contains obligations concerning specified cyber incidents and security practices. CERT-In’s directions address areas including incident reporting and maintenance of relevant logs.

13. DATA RETENTION

We retain information only for as long as reasonably necessary for the purposes described in this Policy or where retention is required or permitted by applicable law.

Information may be retained for purposes including:

providing services;
maintaining business records;
managing ongoing business relationships;
complying with legal requirements;
resolving disputes;
preventing fraud or misuse; and
establishing, exercising or defending legal claims.

When information is no longer required for a legitimate or legal purpose, reasonable steps may be taken to delete, destroy or anonymise it, subject to applicable retention requirements.

14. ACCURACY OF INFORMATION

We request that information submitted to KGM ARUN be accurate, complete and current.

If you become aware that information you have provided to us is inaccurate or requires updating, you may contact us using the details provided below.

15. YOUR PRIVACY AND DATA-PROTECTION RIGHTS

Subject to applicable law and the commencement of relevant statutory provisions, individuals may have rights relating to their personal data, including applicable rights concerning:

access to information about processing;
correction of inaccurate or incomplete information;
erasure of personal data where applicable;
withdrawal of consent where consent is the applicable basis of processing;
grievance redressal; and
other rights provided under applicable law.

The DPDP Act provides statutory rights relating to access, correction/erasure, grievance redressal and nomination, subject to the conditions and limitations specified in the Act.

Requests may be submitted using our contact details below.

16. WITHDRAWAL OF CONSENT

Where we rely on your consent to process personal data, you may withdraw that consent in accordance with applicable law.

Withdrawal of consent may affect our ability to provide certain services or continue particular activities where the relevant processing depends upon consent.

Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.

17. CHILDREN’S PRIVACY

Our website and services are primarily intended for businesses, business owners, promoters, professionals and other adults.

We do not knowingly seek personal information from children for our business and funding facilitation services.

Where applicable law imposes additional requirements concerning children’s personal data, KGM ARUN will comply with such requirements.

18. CONFIDENTIAL BUSINESS INFORMATION

We recognise that businesses may provide commercially sensitive information during an evaluation or funding discussion.

While we take reasonable steps to handle such information responsibly, submission of information through the website does not automatically create a contractual confidentiality obligation, consultant-client relationship or fiduciary relationship.

Where a separate confidentiality arrangement or Non-Disclosure Agreement is required, the same may be entered into separately.

19. INTERNATIONAL DATA PROCESSING

Certain technology, cloud, communication or other service providers used by KGM ARUN may process information outside India.

Where applicable, KGM ARUN will seek to comply with legal requirements relating to such processing or transfer.

20. DATA BREACHES

In the event KGM ARUN becomes aware of a personal-data breach affecting information under our control, we will take reasonable steps appropriate to the circumstances to:

assess the incident;
contain and mitigate the impact;
investigate the cause;
implement corrective measures;
preserve relevant information;
make required regulatory notifications; and
notify affected individuals where required by applicable law.

21. GRIEVANCE REDRESSAL

If you have any question, concern or grievance regarding our handling of your personal information, please contact us.

Privacy & Data Protection Contact

KGM ARUN
Email: arun@kgmarun.com
Phone: +91 9620168685
Website: kgmarun.com

We will endeavour to review and respond to privacy-related requests and grievances in accordance with applicable law and our internal procedures.

22. CHANGES TO THIS PRIVACY POLICY

KGM ARUN may update this Privacy Policy periodically to reflect:

changes in applicable laws;
regulatory developments;
changes in our services;
changes in technology; or
improvements to our privacy and data-protection practices.

The latest version will be published on this website with its effective date.

We encourage visitors to review this page periodically.

23. GOVERNING LAW

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India, subject to applicable law.

Any dispute relating to this Policy or the handling of personal data shall be subject to the jurisdiction of the competent courts having jurisdiction over the relevant matter.

24. CONTACT US

For any privacy-related question, request or grievance:

KGM ARUN

Email: arun@kgmarun.com
Phone: +91 9620168685
Website: kgmarun.com