Privacy Policy

Effective Date: 18/01/2026

Kaamada Financial Services / Kaamada Real Estate (collectively referred to as “Kaamada Associates & Co.“, “we”, “our”, “us”) are committed to protecting the privacy and confidentiality of our clients and website users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or avail our financial consultancy and real estate services.

1. Information We Collect

a. Personal Information

Name, address, phone number, and email ID
PAN, Aadhaar or other KYC documents (only when required)
Income, employment, or business details
Bank, loan, or property-related information shared voluntarily

b. Non-Personal Information

IP address and browser details
Device information and operating system
Pages visited and usage behavior on the website

2. Use of Information

The collected information is used to:

Provide financial consultancy, loan advisory, and real estate services
Evaluate eligibility for loans or financial products
Coordinate with banks, NBFCs, developers, and financial institutions
Improve service quality and website performance
Communicate service updates and important notices
Comply with legal and regulatory requirements

3. Information Sharing

We do not sell, trade, or rent personal information. Information may be shared only with:

Banks, NBFCs, housing finance companies, or developers for service processing
Government or statutory authorities when legally required
Authorized service partners under confidentiality agreements

4. Data Security

We adopt reasonable security practices to safeguard personal information from unauthorized access, misuse, or disclosure. However, no method of online transmission is completely secure.

5. Cookies

Our website may use cookies to enhance user experience and analyze traffic. Users may disable cookies through browser settings.

6. Third-Party Links

The website may contain links to third-party websites. Kaamada Group is not responsible for the privacy practices or content of such websites.

7. User Consent

By using this website or submitting personal information, you consent to this Privacy Policy.

8. Data Retention

Personal data is retained only for the duration necessary to fulfill service objectives or as required under applicable laws.

9. Your Rights

You may request access, correction, or deletion of your personal data, subject to applicable legal obligations.

10. Policy Updates

Kaamada Associates & Co. reserves the right to update this Privacy Policy at any time. Changes will be effective upon posting on the website.

11. Contact Information

Company Name:
Kaamada Associates & Co. / Kaamada Financial Services / Kaamada Real Estate

Contact Person: Vijender Kumar Gaur
Email: info.kaamada@gmail.com
Phone: 9711631473
Website: www.vdugroup.in

Terms & Conditions

By accessing or using this website, you agree to the following Terms & Conditions:

The content provided is for general information and advisory purposes only.
Kaamada Associates & Co. does not guarantee loan sanction, approval amount, interest rate, or timelines.
Final approval of any financial product is solely at the discretion of banks or financial institutions.
Property information is shared based on available documents and client representations.
Users agree to provide accurate and complete information.
Unauthorized use of website content is prohibited.
Kaamada Associates & Co. shall not be liable for any direct or indirect loss arising from use of this website.

Disclaimer

The information provided on this website is for informational purposes only and does not constitute financial, legal, or investment advice. Kaamada Associates & Co. acts as a consultant and facilitator. Loan approvals, property transactions, and financial decisions are subject to third-party policies, approvals, and applicable laws. Users are advised to verify all details independently before making any decision.

Refund, Cancellation & Grievance Policy

Refund Policy

Kaamada Associates & Co. operate as consultancy and facilitation service providers. Fees charged, if any, are for professional services rendered.

Consultancy fees once paid are non-refundable after services have commenced.
No refund shall be applicable where loan or property transactions are declined by banks, NBFCs, developers, or third parties.
Refunds, if approved in exceptional cases, will be processed within 7–10 working days.

Cancellation Policy

Clients may request cancellation of services by written communication (email or letter).
Cancellation requests received after initiation of work will not be eligible for a refund.
Kaamada Associates & Co. reserves the right to discontinue services if incorrect, misleading, or incomplete information is provided by the client.

Client Declaration & Consent

I/We hereby confirm that all information and documents provided to Kaamada Associates & Co. / Kaamada Financial Services / Kaamada Real Estate are true, correct, and complete to the best of my/our knowledge.

I/We authorize Kaamada Group to:

Verify my/our details with banks, NBFCs, financial institutions, developers, or third parties
Share my/our information strictly for the purpose of loan processing, financial consultancy, or real estate services
Contact me/us via phone, email, SMS, WhatsApp, or other communication modes regarding services

I/We understand that:

Loan approval, amount, interest rate, and tenure are solely decided by banks or financial institutions
Kaamada Group does not guarantee loan sanction or timelines
Submission of documents does not assure approval

I/We agree that Kaamada Group shall not be held liable for rejection, delay, or changes in loan or property terms by third parties.

No‑Guarantee Disclaimer (Loans & Finance)

Kaamada Group acts only as a consultant and facilitator. Final decisions related to loan sanction, disbursement, interest rate, tenure, fees, or conditions rest entirely with the respective bank, NBFC, or financial institution.

Kaamada Group does not provide any written or verbal guarantee of loan approval, fast sanction, or preferential terms.

Fee Disclosure Policy

Consultancy or processing fees, if applicable, will be communicated clearly before service initiation
Fees are charged for professional consultancy and documentation support
Fees are independent of loan approval or property transaction success
Government charges, bank fees, valuation fees, or legal charges are payable directly to concerned authorities

Website Form & WhatsApp Consent

By submitting your details on this website or contacting us via WhatsApp, phone, or email, you expressly consent to:

Receive communication related to financial consultancy and real estate services
Allow Kaamada Group to store and process your information as per the Privacy Policy

You may withdraw your consent at any time by contacting us in writing.

Grievance Redressal Policy

We value client satisfaction and aim to resolve concerns promptly.

If you have any grievance related to our services, please contact:

Grievance Officer: Vijender Kumar Gaur
Company: Kaamada Associates & Co.
Email: info.kaamada@gmail.com
Phone: 9711631473

We aim to resolve all grievances within 7-15 working days from the date of receipt.

This policy is governed by the laws of India and subject to the jurisdiction of applicable courts.