Privacy Policy

Introduction

Utkarsh Advisory ("Utkarsh Advisory", "we", "us" or "our") respects the privacy of visitors, clients, prospective clients and other individuals who interact with our website and services.

This Privacy Policy describes the types of information we may collect, the purposes for which we may use that information, circumstances in which information may be shared, and the choices available to you regarding your personal information.

By using this website or voluntarily submitting information through our website, you acknowledge that your information may be handled as described in this Privacy Policy, subject to applicable law.

Information We May Collect

The information collected depends on how you interact with Utkarsh Advisory and which services you enquire about.

A. Contact Information

When you submit an enquiry or contact us, we may collect information such as:

• Full name
• Mobile or telephone number
• Email address
• City or preferred property location
• Preferred method of communication

B. Property Requirement Information

If you contact us regarding commercial or residential property, we may receive information such as:

• Property type
• Preferred location
• Approximate budget
• Property configuration or space requirement
• Whether the requirement is for self-use, business use or investment
• Expected purchase, lease or transaction timeline
• Information about a property you wish to sell, lease or finance

C. Finance Enquiry Information

If you enquire about finance advisory services, we may collect information that you voluntarily provide in connection with the financing requirement, such as:

• Type of finance required
• Approximate financing amount
• Employment or business category
• Property-related information
• Information reasonably necessary to understand the financing requirement

D. Website & Technical Information

When you access the website, certain technical information may be generated automatically, depending on our website configuration and the technologies in use. This may include:

• Internet Protocol (IP) address
• Browser type
• Device type
• Operating system
• Pages visited
• Approximate visit time and duration
• Referring website or source
• General website interaction information

How We May Use Your Information

We may use information collected through our website and services for purposes including:

• Responding to enquiries submitted through the website
• Understanding your property, leasing, investment or finance requirements
• Contacting you regarding the enquiry you submitted
• Coordinating property discussions or site visits
• Providing information about potentially relevant property opportunities or services
• Assisting with finance-related enquiries
• Managing client and prospective-client communications
• Maintaining appropriate business records
• Improving website functionality and user experience
• Understanding website usage and performance
• Preventing misuse, spam, fraud or security threats
• Complying with legal or regulatory obligations applicable to us

Finance & Loan Enquiries

Utkarsh Advisory provides finance advisory and assistance for relevant financing requirements. When you make a finance enquiry, additional information may be required to understand the requirement or assist with the relevant process.

Depending on the nature and stage of the enquiry, this may include financial, employment, business, property or supporting documentation that you voluntarily provide.

Where a finance enquiry requires interaction with a bank, non-banking financial company, financial institution or other relevant service provider, information may need to be shared with that provider with appropriate authorization or as otherwise permitted by applicable law.

Loan eligibility, interest rates, sanctioned amounts, documentation requirements and final approval are determined by the relevant financial institution.

EMI Calculator & Online Tools

Our website may provide an EMI calculator or similar financial tools to help visitors understand indicative repayment calculations.

Information entered into such tools may include a loan amount, interest rate, tenure, employment category, preferred lender or other calculation inputs, depending on the functionality available at the time.

Where an EMI calculation is combined with an enquiry form, information voluntarily submitted through that form may be stored and used to respond to the enquiry.

Cookies & Website Analytics

Our website may use cookies and similar technologies to support website functionality, remember preferences, understand website usage and improve visitor experience.

You may be able to control or delete cookies through your browser settings. Disabling certain cookies may affect some website functionality.

How Information May Be Shared

We do not sell personal information as a business model. Information may, however, be disclosed where reasonably necessary to provide the requested service, operate our business or comply with applicable obligations.

Depending on your enquiry, information may be shared with appropriate categories of recipients such as:

• Property owners, developers or authorized project representatives where relevant to a property enquiry
• Banks, NBFCs or financial institutions where relevant to a finance enquiry and appropriately authorized
• Technology, hosting, CRM, communication, analytics or other service providers supporting our operations
• Professional advisers where reasonably necessary
• Government authorities, regulators, courts or law enforcement where disclosure is required or permitted by applicable law

The specific parties involved will depend on the nature of the service requested.

Third-Party Services

Our website or business operations may use third-party technology and service providers for functions such as website hosting, email, analytics, communications, customer relationship management, website security, mapping or other operational requirements.

These third parties may process information according to their respective terms and privacy practices. Where appropriate, we take reasonable steps to work with service providers suited to the relevant processing activity.

Our website may also contain links to third-party websites or platforms. Their privacy practices are governed by their own policies and are not controlled by this Privacy Policy.

Data Retention

We may retain personal information for as long as reasonably necessary for the purposes for which it was collected, including responding to enquiries, maintaining business records, providing requested services, resolving disputes and meeting legal, accounting or compliance requirements.

Retention periods may vary depending on the type of information, nature of the relationship, service involved and applicable requirements.

Information that is no longer reasonably required may be deleted, anonymized or otherwise handled in accordance with applicable practices and requirements.

Information Security

We seek to use reasonable administrative, technical and organizational measures appropriate to the nature of the information we handle to protect information against unauthorized access, misuse, alteration, loss or disclosure.

However, no internet transmission, website, electronic communication or storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security of information transmitted or stored electronically.

You should also take reasonable care when sending personal or financial information electronically and avoid sharing passwords, OTPs or unnecessary sensitive information.

Your Rights & Choices

Subject to applicable law and the circumstances of the request, you may contact us regarding personal information associated with you, including requests relating to:

• Access to information about your personal data
• Correction or updating of inaccurate or incomplete information
• Deletion or erasure where applicable
• Withdrawal of consent where processing is based on consent and withdrawal is available
• Communication or marketing preferences
• Questions or concerns about how your information is handled

We may need to verify the identity or authority of the person making a request before acting on it. Certain information may also need to be retained where required for legal, regulatory, contractual, fraud-prevention or legitimate record-keeping purposes.

Calls, Messages & Communications

When you submit an enquiry or provide contact details, Utkarsh Advisory may contact you regarding that enquiry, including through telephone, email or messaging channels reasonably associated with the information you provided.

Where permitted and appropriate, we may also communicate relevant information about services or opportunities that may relate to your enquiry or relationship with us.

You may contact us if you no longer wish to receive optional promotional communications. Service-related, transaction-related or legally required communications may still be sent where appropriate.

Children's Privacy

Our property and finance advisory services are intended for adults capable of entering into the relevant property, financial or business transactions.

We do not knowingly seek to collect personal information from children through general website enquiries. If you believe that information relating to a child has been submitted to us inappropriately, please contact us so the matter can be reviewed.

Links to Other Websites

Our website may contain links to external websites, social media platforms, property resources, financial institutions or other third-party services.

Utkarsh Advisory is not responsible for the privacy practices, security or content of third-party websites. We encourage you to review the privacy policy and terms of any external website before providing personal information to it.

Changes to This Privacy Policy

We may revise this Privacy Policy from time to time to reflect changes in our website, services, business practices, technology or applicable requirements.

The updated version may be published on this page with a revised "Last Updated" date. We encourage visitors to review this page periodically.

Contact Us

If you have questions about this Privacy Policy or wish to contact us regarding personal information associated with your interaction with Utkarsh Advisory, you can reach us using the details below.