Caring Management Consultants Pvt. Ltd. (“CMC”, “Company”, “we”, “our”, “us”) is committed to protecting the privacy, confidentiality, and security of all information entrusted to us while delivering recovery, enforcement, compliance, custodial, valuation, and allied professional services.
This Privacy Policy is framed in accordance with applicable Indian laws, including the Digital Personal Data Protection Act, 2023 (DPDP Act), RBI guidelines, SARFAESI Act, and industry best practices.
Categories of Information Collected
1. Personal Information
Name, contact number, email address, postal address, identification details (where lawfully required), and organizational information.
2. Financial & Case Information
Loan account data, asset details, borrower records, enforcement documents, valuation reports, auction data, and compliance records shared by authorized clients.
3. Communication Records
Emails, phone calls, WhatsApp messages, form submissions, and recorded communications for compliance, audit, and service quality purposes.
4. Technical & Usage Data
IP address, browser/device details, cookies, location approximation, and website interaction data.
Purpose & Legal Basis of Processing
Information is processed for:
- Contractual performance of recovery and enforcement services
- Compliance with legal, regulatory, and statutory obligations
- Protection of legitimate business and client interests
- Prevention of fraud, misuse, or unlawful activity
- Internal audits, reporting, dispute resolution, and risk management
Processing is carried out on lawful grounds including consent, legal obligation, contractual necessity, and legitimate interest.
Consent & Communication Authorization
By submitting information or contacting CMC, you expressly consent to:
- Receiving calls, emails, WhatsApp messages, and official communication
- Use of information for lawful recovery, enforcement, and compliance activities
- Recording and monitoring of communications for quality and legal purposes
Consent may be withdrawn where permitted by law.
Data Storage, Security & Cyber Protection
CMC adopts industry-standard safeguards including:
- Restricted access controls
- Secure data storage systems
- Internal confidentiality obligations
- Periodic security reviews
Despite best efforts, no electronic system is entirely immune to risk. CMC shall not be liable for cyber incidents beyond reasonable control.
Data Retention & Disposal
Data is retained only as long as required for:
- Legal and regulatory compliance
- Contractual obligations
- Litigation, audit, or enforcement purposes
Thereafter, data is securely archived or disposed of in accordance with law.
Disclosure to Authorities
CMC may disclose information to:
- Courts, tribunals, DRTs, NCLT
- RBI, law enforcement agencies
- Central or State Government authorities (including Government of Uttar Pradesh)
Such disclosures shall not require user consent where mandated by law.
User Responsibilities
Users are responsible for:
- Providing accurate and lawful information
- Not misusing the website or communication channels
- Not uploading malicious or false content
CMC reserves the right to restrict access in case of misuse.
Grievance Redressal & Contact
Caring Management Consultants Pvt. Ltd.
B-401, Shri Ram Palace, Sector 27,
Noida – 201301, Uttar Pradesh, India
📞 +91 98714 26266
📧 info.cmcindia@gmail.com
🌐 https://cmcindia.in
