Mera Kal - Privacy Policy

Please read the following Privacy Policy carefully before accessing, browsing, or using the Mera Kal Platform, owned and operated by Big Dreamz Finclusion Private Limited, a private limited company incorporated under the Companies Act, 2013 (CIN U74999KA2022PTC167369), engaged in providing financial planning services and is an AMFI registered distributor, with ARN-261254 valid until 5 January 2026. Mera Kal is the registered trademark of Big Dreamz Finclusion Private Limited (referred to as “BDFPL”/ “Company”/ “Mera Kal”/“We”/ “Our”/ “Us”).Privacy Policy outlines how Mera Kal collects, uses, and protects personal information provided by you ("User" or "You" or "Your") through the website https://www.merakal.in ("Platform") and any promotional material.By accessing or using the Platform, you ("User" or "You" or "Your") agree to be bound by these Terms of Use and the Privacy Policy and consent to the collection of information as described herein.If you do not agree to these terms, please refrain from using the Platform.

1. Users' Personal Information

a. Collection of Users' Personal Information:

We collect the following information during the KYC and investment process:

Name
Contact Details (Email ID, Mobile No.)
Permanent Account Number (PAN)
Demographic information (gender, income)
Nationality, Additional KYC details
Tax status
Bank account details and Payment details(e.g., UPI ID)
Picture
Self-attested documents

We collect the following information for Loan against an insurance policy

Name
Mobile Number
Soft copies of insurance policy document
Aadhar card
PAN card
Photo
Cancelled Cheque/Passbook

b. What we do with the information we gather: We require this information for the following purposes:

Conducting Know-Your-Customer registration as required by regulatory bodies.
Performing compliance checks and maintaining internal records. We store your Name, PAN, mobile number, Tax Status. We avail the services of AMC (ICICI Prudential) and KYC Service Provider (Signzy) for KYC and do not store additional details.
Documents uploaded for lending services are necessary for eligibility checks and to access a loan, and these will be shared with our lending partners. Our Loan against an LIC Policy service is offered in partnership with Bajaj Finserv in association with LIC of India.
Improving our products and services.
Sending relevant messages to your registered WhatsApp number.

‍

2. Data Sharing: We may share clients'/investors' information with the following parties, as necessary for our business operations:

KYC service provider, Asset Management Company (AMC), Registrar & Transfer Agent(s) (RTA), Banks, or authorized third parties/intermediaries.
Regulatory/administrative/legislative authorities for compliance with legal requirements.
Service providers with confidentiality provisions and security practices.
Lending Partners: Bajaj Finserv in association with Life Insurance Corporation (LIC) of India.

‍

3. Security: We treat your personal information as private and confidential. We implement stringent security measures and adhere to industry best practices. While we take steps to protect your information, we cannot guarantee absolute security.

‍

4. How Your Information is Transmitted and Stored: We transmit and store your information using HTTPS protocol for encryption. We use third-party web analytics service providers, such as Google Analytics, to analyze and customize our services.

‍

5. Retention of Personal Information: We retain your Personal Information as long as required for the purpose it was collected, complying with legal obligations and protecting our rights. We delete information once its purpose is fulfilled or no longer needed.

‍

6. Use of this Site by Minors: This site is not intended for minors under the age of 18. We do not knowingly collect data from minors.

‍

7. Consent Withdrawal: You can withdraw your consent for the collection and use of Personal Information by contacting us via email or phone.

‍

8. Legal Obligation and Jurisdiction: Mera Kal is bound by Indian laws and regulations. Disputes arising under this Policy are governed by the laws of India.

‍

Customer Care Contacts and Related links: If you have any questions, comments, requests or require any support or assistance, You may reach out to our Customer support team at:

‍Email: hello@merakal.in
‍Phone No: +91 9901672084

Lending Partners: Bajaj Finserv

‍Terms and Conditions & Privacy Policy
‍Grievance Redressal Officer & Website
(further/detailed information about the loan products, the lender, particulars of customer care, link to Sachet Portal, privacy policies, etc. can be accessed by customers via the website)
Phone No: +91 8698010101

Modification of Terms and Conditions and Privacy Policy: These Terms and Conditions and Privacy Policy constitute the agreement between the User and Mera Kal. By using the Platform, you agree to comply with them. Mera Kal reserves the right to modify or amend them without prior notice. It is your responsibility to review them periodically for any updates.For any further details, inquiries or grievances, please contact us at +91 99016 72084 or hello@merakal.in.

‍