Last Updated: August 27, 2025
 
1. INTRODUCTION
Klosurequest Technologies Pvt. Ltd. ("Kustodian," "we," "us") is committed to protecting your privacy. This policy explains how we collect, use, and protect your information when you use our platform and services.

By using our Services, you agree that you have read and understood this policy and consent to the practices it describes.
 

2. INFORMATION WE COLLECT
We collect different types of information to provide our Services:
 

• Personal Information: Your name, date of birth, contact details, government IDs (like PAN and Aadhaar), and demographic data.
   

• Financial Information: Details about your bank accounts, investments, insurance, provident fund accounts, loans, and tax records. This may also include the names of your nominees and beneficiaries.
   

• Third-Party Financial Data: With your explicit authorisation, we access information from government portals (e.g., EPFO, Income Tax Department), banks, insurance providers, and investment platforms.
   

• Technical and Usage Data: Information about your device, IP address, and how you interact with our Platform.
   

• Communication Records: Your interactions with our support team and any feedback you provide.
   

 
3. HOW WE COLLECT INFORMATION

• Directly from You: Information you provide during registration, in forms, or via documents you upload.
   

• Through Agent Authorisation: With your consent, we act as your agent to access data from third-party sources via secure APIs, screen-capture tools, or manual processes.
   

 
4. WHY WE PROCESS YOUR DATA
We process your information for service delivery and operational needs. We do not sell, rent, or trade your personal information.

• Service Delivery: To consolidate your financial assets, support succession planning, and provide claims assistance.
   

• Operations: To manage your account, verify your identity, provide customer support, and improve our services.
   

• Legal and Regulatory Purposes: To meet applicable legal, tax, and regulatory obligations.
   

• Communication: To send you important updates, security alerts, and information about new features.
   

We rely on your consent, our contractual obligations, and our legitimate interests as the primary bases for processing your data.
 

5. HOW WE HANDLE GOVERNMENT IDS

• For Aadhaar, we only process masked Aadhaar numbers as per UIDAI guidelines.
   

• We never store full Aadhaar numbers.
   

• If full Aadhaar is provided manually (for PAN–Aadhaar matching or verification), it is used solely for verification and application purposes and is not retained beyond the completion of the claim or related activity.
   

• Clients may choose to share masked IDs where acceptable for verification.
   

 
6. HOW WE SHARE YOUR DATA
We share your information only in limited circumstances:

• Service Providers: With trusted third parties who provide secure storage, identity verification, and analytics. These providers are contractually bound to confidentiality and compliance with Indian data protection laws.
   

• Financial and Government Entities: When necessary to retrieve your information or if disclosure is legally required.
   

• Legal Requirements: When required by law, court order, or to cooperate with law enforcement.
   

• Verified Beneficiaries: Succession-related data may be shared with your verified beneficiaries or legal heirs after proper authentication.
   

 
7. DATA SECURITY AND PROTECTION
We use technical and organisational measures to safeguard your data, including encryption (in transit and at rest), multi-factor authentication, access controls, and periodic security audits.
In the event of a personal data breach that is likely to impact your rights, we will notify you and the relevant authorities as required by law.
 

8. DATA RETENTION AND DELETION

• We do not retain financial or succession data beyond the completion of a claim, service, or activity, unless required by law.
   

• Government ID documents used for verification (e.g., Aadhaar, PAN) are not stored beyond the purpose of verification and settlement.
   

• Communication records and technical logs may be retained for up to 90 days for security, audit, or legal compliance.
   

• You may request deletion of your personal information, subject to applicable legal and regulatory limitations.
   

 
9. YOUR PRIVACY RIGHTS AND CHOICES
You have the following rights regarding your personal data:

• Access: Request a copy of your personal information.
   

• Correction: Ask us to update or correct inaccurate information.
   

• Deletion: Request deletion, subject to legal exceptions.
   

• Consent Withdrawal: Withdraw your consent to data processing at any time.
   

• Portability: Request a copy of your consolidated financial data in machine-readable format.
   

To exercise these rights, contact us at care@kustodian.life.
 

10. COOKIES AND TRACKING TECHNOLOGIES
We use cookies and similar technologies to:

• Enable core platform functionality.
   

• Analyse platform usage and improve services.
   

We do not use cookies for targeted advertising. You can manage cookie preferences through your browser settings, but some features may not function properly if disabled.
 

11. CHILDREN'S PRIVACY
Our Services are not intended for individuals under the age of 18. We do not knowingly collect data from minors. If we become aware that information from a minor has been collected, we will delete it promptly.
 

12. POLICY UPDATES
We may update this policy periodically. If material changes are made, we will notify you by email or platform notice at least 30 days before the changes take effect.
 

13. CONTACT INFORMATION & GRIEVANCE REDRESSAL
For privacy-related questions or concerns, contact us:

Grievance Officer / Data Protection Officer: Kunal Kabra
Email: care@kustodian.life
Registered Office: Flat No 301, Balaji Paradise, Serenity Layout, Sarjapur Road, Carmelram, Bangalore South, Karnataka, India, 560035

We will acknowledge grievances within 48 hours and aim to resolve them within 30 days.