Privacy Policy

1. INTRODUCTION

This Privacy Policy is issued by POSTMAC VENTURES PRIVATE LIMITED, a company incorporated under the Companies Act, 2013, bearing CIN: U66190HR2025PTC129138, having its registered office at:

(Hereinafter referred to as "Company", "e-BGX", "we", "our", "us").

This Privacy Policy governs the collection, use, processing, storage and disclosure of personal and business information of users accessing www.e-bgx.com ("Platform").

By using this Platform, you consent to this Privacy Policy.

2. APPLICABILITY

This policy applies to:

3. INFORMATION WE COLLECT

A. Personal Information

• Name
• Date of birth
• Mobile number
• Email address
• PAN
• Aadhaar (if required for KYC)
• Director details
• Shareholding information

B. Corporate / Business Information

• Company registration documents
• GST details
• Financial statements
• Net worth statements
• Bank statements
• Tender documents
• Bank Guarantee requirements

C. Financial Information

• Credit score
• Banking relationships
• Existing liabilities
• Collateral details

D. Technical Data

• IP address
• Device ID
• Browser type
• Cookies
• Session data
• Location data

4. PURPOSE OF PROCESSING

We process data for:

• Bank Guarantee application facilitation
• Risk assessment
• Credit underwriting support
• KYC & AML compliance
• Fraud prevention
• Regulatory reporting
• Platform optimization
• Customer support
• Legal compliance

5. LEGAL BASIS OF PROCESSING

We process data under:

• User consent
• Contractual necessity
• Legal obligation
• Legitimate business interest

6. DATA SHARING & DISCLOSURE

We may share information with:

• Scheduled Banks
• NBFCs
• Financial Institutions
• Credit Information Companies
• KYC agencies
• Regulatory authorities
• Law enforcement agencies

7. DATA SECURITY MEASURES

We implement:

• End-to-end SSL encryption
• Encrypted cloud storage
• Multi-factor authentication
• Role-based access control
• Periodic security audits
• Secure document vault

8. DATA RETENTION

We retain data:

• During active account period
• For regulatory compliance
• As mandated under applicable laws
• For dispute resolution

9. USER RIGHTS (Under DPDP Act 2023)

You have right to:

• Access your data
• Correct inaccurate data
• Request erasure (subject to legal retention)
• Withdraw consent
• Nominate a representative

Requests: [email protected]

10. COOKIES POLICY

We use cookies for:

• Session management
• Fraud detection
• Analytics
• Performance optimization

You can Accept All, Reject All, or Customize (partially accept) cookie categories at any time via the "Manage Cookie Preferences" button on our Cookie Policy page, which also details each category and how to manage your preferences.

11. CHILDREN POLICY

Platform is not intended for minors below 18 years.

12. GRIEVANCE OFFICER