Privacy Policy

Privacy Policy

Note:
The official domain of our service is https://goldenstarcapital.org. This website is fully affiliated with and represents the mobile application "Golden Star Capital & Leasing" available on mobile apps (Both android and iOS). The app and the website are managed under common ownership and provide the same set of services.
Also, we are not loan providers; we act as intermediaries who provide consultancy to users. We are authorized to work as a DSA such as Vistara and IIFL.

1. About Us:
App Name: Golden Star Capital & Leasing
Website: https://goldenstarcapital.org
Nature of Business: Financial Consultancy Platform
Services: Guidance on loans, insurance, and financial services (we do not provide credit or loans directly)

3. Introduction: Golden Star Capital & Leasing, along with its online platforms and mobile/web applications ("Website"), recognizes the importance of preserving your privacy. We are committed to maintaining the confidentiality, integrity, and security of all user information. This Privacy Policy delineates how Golden Star Capital & Leasing collects and handles specific information it may acquire from you through the use of this Website or the
mobile app. It describes:
What information is collected
How it is used
With whom it is shared
The legal rights and choices you have
This Privacy Policy applies to current and former users of our app and Website. By accessing and/or using Golden Star Capital & Leasing services, you agree to this policy.

4. Legal Compliance: This Privacy Policy is published in accordance with the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”).

5. Personal Loan and Any Other Loan Policy Compliance: At Golden Star Capital & Leasing, we offer consultancy services to users seeking guidance on personal loans and other financial products. We are authorized to operate as a Direct Selling Agent (DSA), in partnership with recognized financial institutions such as Vistara and IIFL. As a consultancy intermediary, we ensure that all loan applications comply with the financial policies, legal requirements, and ethical guidelines set forth by the respective financial institutions. However, it is important to note that we do not provide loans directly. Our role is to provide expert guidance and assist users in navigating the loan process efficiently.

6. Financial Services Compliance: Golden Star Capital & Leasing acts as a financial consultancy platform, offering expert advice and consultation in collaboration with reputed financial entities like Vistara and IIFL. We ensure that all services provided adhere to the applicable financial services regulations, including compliance with the relevant laws governing credit, insurance, and other financial products. Please remember, we do not provide loans, Insurances, Mutual Funds or any other financial services ourselves but are authorized intermediaries, working within the framework of financial regulations as a DSA (Direct Selling Agent) to assist you with your financial needs.

7. Violation of Predatory Loans Policy: Golden Star Capital & Leasing is committed to ensuring that our users do not fall prey to predatory lending practices. As a DSA (Direct Selling Agent) authorized by institutions like Vistara and IIFL, we work closely with recognized lenders who adhere to ethical lending practices. Our role as an intermediary ensures that we guide users toward loans that are transparent, with fair terms and no hidden fees. We strictly do not support or facilitate any predatory loan schemes and make it clear to users that we are not loan providers, but rather provide consultancy services to help users make informed financial decisions.

8. Legal Compliance: This Privacy Policy is published in accordance with the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”).

9. Consent:
By registering on https://goldenstarcapital.org or using the app "Golden Star Capital & Leasing", you authorize us and our authorized partners to contact you via:
Phone call
SMS
Email
WhatsApp
This communication may include service updates, offers, and loan-related assistance—even if you're registered under DND/NCPR.

10. Nature of Services:
We are a consultancy platform, offering expert guidance on loans and financial services. We help users choose lenders from among our authorized partners. We do not directly issue loans or provide credit.

11. Controllers of Personal Information:
Your data is collected and stored by: Golden Star Capital & Leasing (Account owner: Reiya Singh)
Developer & data processor: Shivam Baru

12. Types of Data Collected:
When you register or use our platform, we may collect:
Personal Info: Name, phone number, email, address
Location Info: State, city, and PIN code
KYC Data: PAN, Aadhaar, date of birth
Employment or medical details (if applicable) Cookies, IP logs, browser/device metadata

13. Purpose of Data Collection:
Your data is used to:
Assist in loan-related consultancy
Fulfill pre-/post-sales service with partners
Handle customer support queries
Provide product-related alerts or updates
Comply with legal obligations
Improve app and website experience
Contact you via promotional or transactional channels
Share with verified third-party partners or service providers for permitted purposes

14. Information Sharing:
We may share data with third parties in these scenarios:
With partners for fulfilling services or consultancy
To comply with court or government orders
If our business is acquired or merged
With law enforcement when legally required
With technical or analytical agencies under contract
We do not sell your personal data to any entity.

15. Cookies & Tracking We use:
Session cookies: Erased when browser is closed
Persistent cookies: Retained for future sessions
Log files: To capture IP address, device info, usage patterns
These tools help us analyze trends, improve performance, and provide a better user experience.

16. Email & SMS Opt-Out:
To unsubscribe from promotional emails: 📧 Email us at: info@goldenstarcapital.org
⏱️ It may take up to 10 business days to process your request.

17. Security Measures: We use secure servers, encryption, access control, and firewall technology to protect your data. While we take strong precautions, no internet transmission is 100% secure. You are responsible for safeguarding your login credentials.

18. Policy Changes:
This policy may be updated in the future. Any changes will be posted on our Website. Continued use of our platform after changes implies agreement.