Patil Ventures (“Company”, “we”, “our”, “us”) is committed to safeguarding the privacy of individuals who interact with us through our corporate website PatilVentures.com, our subsidiary venture websites (Dracoweb.in, Sahakarmitra, SahkarSetu.com, GenXLabs, Advaults.com), and our digital products and services.

This Privacy Policy explains how we collect, use, store, share, and protect personal information in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act – India), relevant IT Rules, and applicable global standards.

1. Scope of This Policy

This policy applies to:

• Visitors of PatilVentures.com and venture websites.

• Clients, cooperative societies, startups, enterprises, and individuals engaging our services.

• Members of Path Sansthas (via Sahakarmitra or SahkarSetu).

• Users of AI products, templates, or platforms offered under GenXLabs or Advaults.

It does not cover third-party sites or services that may be linked through our platforms.

2. Data We Collect

a) Personal Identifiable Information (PII)

• Full name, email address, phone number, and postal address.

• Identity details shared during verification (Aadhaar, PAN, etc.) for Sahakarmitra services.

• Organization name, designation, and GST details (for B2B contracts).

b) Financial Information

• Loan records (EMI schedules, repayment status) shared by cooperative societies using Sahakarmitra.

• Payment and billing details (only stored with payment processors; we do not store card/bank details directly).

c) Digital & Marketing Data

• Website usage data (IP, browser, device type, location via cookies).

• Marketing preferences (email opt-ins, newsletter subscriptions).

• Social media engagement data.

d) AI-Generated & User-Uploaded Data (GenXLabs & Advaults)

• Prompts, uploaded files, or user content processed by AI systems.

• Metadata and interaction logs for service improvement.

3. Purpose of Processing

We process personal data strictly for:

• Service delivery (web/app development, cooperative digitization, AI solutions, template marketplaces).

• Member verification (Aadhaar, PAN, CIBIL integration in Sahakarmitra).

• Communication (newsletters, updates, transaction alerts).

• Security and fraud prevention.

• Legal and regulatory compliance.

• Improving AI and digital products (with anonymized/aggregated data).

4. Data Sharing & Disclosure

We may share data only with:

• Service providers & APIs: Aadhaar/PAN/CIBIL verification partners, payment gateways, hosting providers.

• Partner ventures: Sahakarmitra ↔ SahkarSetu integration for premium listings.

• Legal/regulatory authorities: Where mandated under law.

• No sale of data: We never sell personal data to advertisers or third parties.

5. Legal Basis for Processing

We process data based on:

• Consent: Explicit consent for marketing, EMI reminders, Aadhaar/PAN checks.

• Contractual necessity: Required for providing services.

• Legitimate interest: Fraud prevention, security monitoring, analytics.

• Legal obligation: Data retention under cooperative and IT laws.

6. Data Retention

• Loan and financial records: Retained until loan closure + 5 years (per cooperative norms).

• Aadhaar/PAN verification logs: Retained for 180 days (as per government KYC guidelines).

• Marketing and analytics data: Retained for 24 months or until consent withdrawal.

• AI interaction logs: Retained for service improvement (anonymized after 12 months).

7. Data Protection & Security

We implement industry-standard security including:

• End-to-end encryption for sensitive transactions.

• Secure cloud hosting with access controls.

• Regular vulnerability scans and patch management.

• Role-based access for cooperative staff dashboards.

• Data minimization principles – storing only what is necessary.

8. User Rights (DPDP + Global)

Users have the right to:

• Access & Confirmation: Know if their data is being processed.

• Correction & Update: Request updates to inaccurate data.

• Deletion: Request deletion where applicable.

• Consent Withdrawal: Opt out of marketing communications.

• Data Portability (where applicable): Request data in a machine-readable format.

9. Children’s Data

Our services are not directed at children under 18. If discovered, such data is deleted immediately unless required under law.

10. Cookies & Tracking

• Essential cookies for platform functionality.

• Analytics cookies for usage patterns (Google Analytics or similar).

• Marketing cookies (for Advaults campaigns).
  Users may manage preferences via our Cookie Consent Banner.

11. International Data Transfers

Where data is stored/processed outside India (e.g., cloud providers in the EU/US), we ensure compliance with cross-border transfer obligations under the DPDP Act and GDPR equivalents.

12. Grievance Redressal

For data-related concerns, please contact:

Grievance Officer – Patil Ventures
📧 Connect@patilventures.com
📞 +91 7387997859
📍 Chavan Park, Maratha Colony, Kasaba Bawada, Kolhapur – 416003, Maharashtra, India

We will acknowledge within 24 hours and resolve within 7 business days as per DPDP.

13. Updates to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a new “Last Updated” date. Significant changes will be communicated via email/notifications.