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Privacy Policy

In short: We collect only what we need (name, mobile, email, your need), with your consent. We never ask for OTP, PIN or passwords, and never share your data with a partner without your consent. You can ask to see, correct or delete your data anytime.

Last updated: 4 November 2026

This policy explains how Kotadiya Enterprise (“we”, “us”) collects, uses, shares and protects your personal data when you use finaxyworld.com or contact us. We aim to follow the Digital Personal Data Protection Act, 2023 and applicable rules.

Data we collect

Contact details you give us: name, mobile number, email address
Your enquiry details: product interest, city, approximate income or business details you choose to share
Messages you send us on WhatsApp, phone or email
Payment confirmation details if you buy our consultation (card or bank details are handled by the payment provider, not stored by us)
Basic technical data such as browser type and pages visited, if analytics is enabled

Data we never ask for

We never ask for your OTP, PIN, net-banking password, card CVV or full card number. Do not share these with anyone claiming to represent us.

Why we use your data

To respond to your enquiry
To provide consultation and application assistance you have requested
To share your details with a lender or partner you choose, only after your consent
To send service updates; marketing messages only with your separate consent
To meet legal, tax and record-keeping obligations

Consent

We process your personal data on the basis of your consent or for legitimate uses permitted by law. You can withdraw consent at any time; this does not affect processing done before withdrawal.

Who we share data with

Lenders or partners you choose to apply with, only after your consent
Service providers who help us run the business, such as website hosting, WhatsApp/email services and the payment provider
Government or regulatory authorities when required by law

When you click a partner link, you leave our website. The partner’s own privacy policy applies to data you give them.

How long we keep data

We keep your data for [FILL: period, e.g. 12 months after your last interaction], or longer only if the law requires it. After that, we delete it or make it anonymous.

Your rights

Access a summary of your personal data we hold
Correct or update inaccurate data
Request erasure of your data
Withdraw consent
Raise a grievance with us, and then with the Data Protection Board of India
Nominate another person to exercise your rights in case of death or incapacity

To use these rights, see Consent Withdrawal & Data Deletion.

Security

We use reasonable security safeguards, including HTTPS on our website and limited access to customer data. No method is fully secure, so please share only what is needed.

Children

Our services are meant for adults aged 18 and above. We do not knowingly collect data of children.

Cookies

See our Cookie Policy.

Grievance officer

Dinesh Kotadiya (Proprietor), email: mdexim61@gmail.com. We aim to respond within [FILL: number] working days.

Changes

We may update this policy. The latest version will always be on this page with its updated date.

Contact

Kotadiya Enterprise, 215/A, Sky View, Opp. Swaminarayan Bus Parking, Sarthana Jakatnaka, Varachha, Surat, Gujarat 395010
Email: mdexim61@gmail.com · Phone: +91 81405 26761