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: connect@e-bgx.com

10. COOKIES POLICY

We use cookies for:

• Session management
• Fraud detection
• Analytics
• Performance optimization

11. CHILDREN POLICY

Platform is not intended for minors below 18 years.

12. GRIEVANCE OFFICER