Privacy Policy

Effective Date: 01/04/2026

Cognizant Consulting Partners (CCP) -
Privacy Policy

We are committed to protecting your personal data and ensuring its secure and responsible use in all our services.

1. Introduction

Cognizant Consulting Partners (CCP) (“CCP”, “Firm”, “We”, “Us”) is a professional Financial and Management Consulting Partnership Firm based in Kerala, India.

We are committed to safeguarding the privacy, confidentiality, and integrity of personal data entrusted to us by our clients, partners, and users.

This Privacy Policy explains how we collect, process, store, use, and protect your personal information when you engage with our services, website, or digital platforms.

By accessing or using our services, you consent to the practices described herein.

2. Applicable Legal Framework

This Policy is aligned with:

  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • Digital Personal Data Protection Act, 2023 (India)

Applicable regulatory environments of:

  • RBI (Banking & NBFC ecosystem)
  • SEBI (Investment & Wealth Advisory ecosystem)
  • IRDAI (Insurance ecosystem)

3. Definition Of Personal Data

“Personal Data” means any information that can identify an individual, directly or indirectly.

This includes:

A. General Personal Information

  • Name, date of birth, gender
  • Address (residential/correspondence)
  • Email ID, phone number
  • PAN, Aadhaar (if voluntarily provided)
  • Occupation and employment details

B. Sensitive Personal Data

  • Financial information (income, net worth, portfolio)
  • Bank account details, payment instruments
  • Credit history and credit scores
  • KYC documents and identification proofs

C. Technical & Usage Data

  • IP address, browser type, device details
  • Website usage behaviour and analytics
  • Communication logs (calls, emails, interactions)

4. Methods Of Data Collection

We collect data through:

  • Client onboarding forms (online/offline)
  • Website interactions and secure portals
  • Mobile or digital applications (if applicable)
  • KYC and compliance documentation
  • Third-party integrations (credit bureaus, KYC providers, financial institutions)
  • All data collection is conducted through secure and encrypted channels.

5. Purpose Of Data Processing

Your personal data is processed for:

  • Core Service Delivery
  • Loan facilitation with RBI-registered banks & NBFCs
  • Insurance advisory (Health, Life, General)
  • Wealth management and financial consulting
  • Financial modelling, DPRs, feasibility analysis
  • Operational & Administrative
  • Identity verification and KYC compliance
  • Transaction processing and documentation
  • Client servicing, support, and communication
  • Regulatory Compliance
  • Legal reporting obligations
  • Fraud prevention and risk management
  • Business Enhancement
  • Service improvement and analytics
  • Communication of relevant offerings (with consent)

6. Legal Basis For Processing

We process your data based on:

  • Consent (explicit approval for data usage and credit checks)
  • Contractual necessity (execution of services)
  • Legal obligations (KYC, regulatory compliance)
  • Legitimate business interest (fraud prevention, service optimization)

7. Data Sharing & Disclosure

We may share your information strictly on a need-to-know basis with:

  • Authorized Entities
  • RBI-registered Banks and NBFCs
  • Insurance companies (IRDAI-registered)
  • Financial institutions and partners
  • Service Providers
  • KYC verification agencies
  • Credit bureaus (e.g., CIBIL)
  • Technology and compliance partners
  • Regulatory Authorities
  • Government bodies, courts, or regulators when legally required

Strict Policy : We do NOT sell or rent your personal data

All third parties are bound by confidentiality and data protection agreements

8. Data Retention Policy

Personal data is retained only as long as necessary:

  • For service delivery
  • For regulatory compliance
  • Credit bureau data may be retained for limited duration (e.g., up to 6 months)
  • Data is securely deleted or anonymized post retention period

9. Data Security & Protection

CCP implements industry-grade security measures, including:

  • Encryption (data in transit and storage)
  • Restricted access controls (need-to-know basis)
  • Internal confidentiality agreements
  • Secure IT infrastructure and monitoring systems
  • However, while we strive to protect your data, no system is completely risk-free, and transmission is at your own risk.

10. Client Responsibilities

You are responsible for:

  • Providing accurate and complete information
  • Maintaining confidentiality of: Passwords & Account credentials
  • CCP shall not be liable for misuse arising from client negligence.

11. Your Rights (Under DPDP Act, 2023)

You have the right to:

  • Access your personal data
  • Request correction or updates
  • Withdraw consent (subject to legal constraints)
  • Request data deletion (where permissible)
  • Opt out of marketing communications
  • Requests may be made through our official contact channels.

12. Cookies & Tracking Technologies

We use cookies for:

  • Website functionality
  • Analytics and performance
  • User experience enhancement
  • You may disable cookies via browser settings, though functionality may be affected.

13. Third-Party Links

Our platform may contain links to external websites.

CCP is not responsible for:

  • Their privacy practices
  • Their content or security
  • Users are advised to review third-party policies independently.

14. Children's Privacy

Our services are not intended for individuals under 18 years of age.

Any such data, if inadvertently collected, will be promptly deleted.

15. Cross-Border Data Transfer

Where necessary, data may be transferred within or outside India:

  • Only for service execution
  • With adequate security safeguards
  • In compliance with applicable laws

16. Policy Updates

CCP reserves the right to:

  • Modify this Privacy Policy at any time
  • Reflect regulatory or operational changes
  • Continued use of services implies acceptance of updated terms.

17. Final Consent

By engaging with CCP, you confirm that:

  • You have read and understood this Privacy Policy
  • You consent to collection and processing of your data
  • You acknowledge your rights and responsibilities.