Privacy Policy

1. Information We Collect

We may collect the following categories of personal data:

• Identity and contact information: name, email address, phone number, and designation, when submitted through our contact or enquiry forms.
• Professional information: company name, industry, and nature of business, where voluntarily provided.
• Technical data: IP address, browser type and version, pages visited, time and date of access, and device information, collected automatically through cookies and server logs.
• Communication data: any correspondence or messages you send us via email or the website's contact form.

We do not collect sensitive personal data or information (SPDI) as defined under applicable Indian law unless explicitly required and with your prior written consent.

2. Purpose of Collection and Use

Your personal data is collected and processed for the following purposes:

• To respond to your enquiries and provide information about our services.
• To schedule and conduct consultations or meetings.
• To maintain records of client interactions and engagements.
• To improve the functionality and content of our website.
• To comply with legal and regulatory obligations under Indian law.
• To send relevant updates or communications where you have consented to receive them.

We do not sell, rent, or trade your personal data to third parties for marketing purposes.

3. Legal Basis for Processing

We process your personal data on the following lawful grounds under the DPDP Act, 2023:

• Consent: Where you have provided explicit consent by submitting information through our forms or by opting in to communications.
• Contractual necessity: Where processing is necessary to enter into or perform a contract with you.
• Legitimate interests: To improve our services, communicate meaningfully, and protect the security of our systems.
• Legal obligation: Where we are required to process data to comply with applicable law.

4. Data Storage and Retention

Your data is stored on secure servers located in India and/or with trusted third-party service providers operating under contractual confidentiality obligations. We retain personal data only for as long as is necessary for the purposes for which it was collected, or as required under applicable law. Upon expiry of the retention period, your data will be securely deleted or anonymised.

5. Data Sharing and Disclosure

We may share your personal data with:

• Our affiliates and group entities within the Ojas Group, solely for the purposes described in this Policy.
• Authorised service providers and technology partners who assist in operating our website and services, subject to appropriate data processing agreements.
• Regulatory authorities, courts, or law enforcement agencies, where disclosure is required by law or court order.

We do not disclose personal data to any third party for commercial purposes without your prior consent.

6. Your Rights Under the DPDP Act, 2023

As a data principal, you have the following rights with respect to your personal data:

• Right of access: To obtain a summary of the personal data held about you and the processing activities undertaken.
• Right to correction and erasure: To request correction of inaccurate or incomplete data, or to request erasure where data is no longer necessary.
• Right to grievance redressal: To raise a complaint or concern with our designated Grievance Officer (see Grievance Redressal section).
• Right to nominate: To nominate another individual to exercise your rights in the event of death or incapacity.

To exercise any of these rights, please write to us at contactus@matrafinance.com. We will respond within a reasonable time, not exceeding thirty (30) days.

7. Security

We implement reasonable technical and organisational security measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. However, no method of transmission over the internet is entirely secure, and we cannot guarantee absolute security.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites and encourage you to review their privacy policies independently.

9. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. The revised Policy will be published on this page with an updated effective date. We encourage you to review this page periodically.