Privacy Policy
1. Introduction
Welcome to Cochin Financial Services (“Company”, “we”, “our”, or “us”).
This Privacy Policy governs your visit to www.cochinfin.com and explains how we collect, safeguard, use, and disclose information resulting from your use of our services.
By using our services, you agree to the terms of this Privacy Policy and consent to the collection and use of information in accordance with this policy.
2. About Cochin Financial Services
Established in 2005 and headquartered in Kochi, Kerala, Cochin Financial Services has been a leading financial mediator, connecting individuals and businesses with banks and financial institutions across India. We specialize in loans, business registration, licensing, project reports, GST, tax services, and accounting solutions. Our reach extends across Kerala, Tamil Nadu, and Karnataka.
3. Values, Vision & Mission
Values: Ethical behavior, transparency, competence, and respect for all stakeholders.
Vision: To be the most trusted and technologically advanced financial services provider in South India.
Mission: To deliver timely, transparent, and effective financial solutions at competitive interest rates.
4. Why Clients Choose Us
- Comprehensive financial solutions under one roof
- Strong banking network and tie-ups
- Personalized client-first approach
- Proven track record since 2005
- Dedicated customer service team
5. Information We Collect
- Personal Data (name, contact details, identification/KYC documents)
- Financial Data (loan applications, income, assets/liabilities, tax details)
- Usage Data (IP address, browser type, device type, geolocation, log data)
- Cookies & Tracking Data (session, preferences, security, advertising)
- Additional Compliance Data (employment details, project documents, regulatory data)
6. Legal Basis for Processing
We process your personal data under the following lawful bases:
- Consent: when you voluntarily provide information.
- Contract: when processing is necessary to provide our services.
- Legal Obligation: to comply with applicable laws (KYC, AML, RBI guidelines).
- Legitimate Interests: for internal operations, fraud prevention, and business continuity.
7. Use of Data
We use collected data to:
- Provide, improve, and maintain our services
- Facilitate loan applications and financial services
- Comply with regulatory obligations
- Communicate important updates and promotional offers
- Analyze trends and optimize client experience
- Enhance fraud detection and security measures
8. Cookies & Tracking Policy
Cookies help us personalize your experience and improve service. Types include:
- Session Cookies (temporary, deleted on logout)
- Preference Cookies (remember user choices)
- Security Cookies (used for authentication and fraud prevention)
- Advertising Cookies (serve relevant ads)
9. Third-Party Services & Integrations
We may share your data with trusted third-party providers including:
- Banks and financial institutions (loan processing)
- Tax and compliance service providers
- Cloud hosting and IT infrastructure providers
- Communication platforms (e.g., WhatsApp Business API)
10. International Data Transfers
While our primary data storage is in India, some data may be processed in other jurisdictions. We ensure such transfers comply with applicable data protection laws using appropriate safeguards.
11. Data Retention
Personal data is retained only for as long as necessary to fulfill service obligations, comply with laws, resolve disputes, and enforce policies.
12. Data Sharing & Disclosure
We may disclose information:
- To comply with legal requirements
- During mergers, acquisitions, or restructuring
- To protect rights, safety, or property of our clients and company
- To authorized service providers bound by confidentiality agreements
13. Security of Data
We employ security measures including encryption, firewalls, access controls, regular audits, and employee training. However, no system is completely secure.
14. Data Breach Policy
In the event of a data breach, we will notify affected users and regulators within the time limits prescribed by applicable law, along with details of remedial measures.
15. Your Rights
You have rights under GDPR, CCPA, and Indian data protection frameworks, including:
- Access and obtain a copy of your data
- Correct inaccurate or incomplete data
- Request deletion (subject to legal requirements)
- Restrict or object to processing
- Data portability rights
- Withdraw consent at any time
16. Marketing & Communication
We may send promotional content about services, offers, and updates. You may opt out of receiving marketing emails by following the unsubscribe link or contacting us directly.
17. Children’s Privacy
Our services are not directed at individuals under 18 years of age. We do not knowingly collect data from minors. If such data is collected, we will promptly delete it.
18. Updates to Policy
We may revise this Privacy Policy periodically. The updated version will always be available on this page with a revised effective date.
19. Grievance Redressal & Contact
For any questions, concerns, or complaints regarding this Privacy Policy or our data practices, please contact our Grievance Officer:
Cochin Financial Services
Kochi, Kerala
Phone: +91 98463 99200
Website: www.cochinfin.com
Email: cfs@cochinfin.com
Attn: Grievance Officer