Kulrakshak • Legal • Effective March 4, 2026
Privacy Policy
At KulRakshak, your privacy is not just a policy — it's a promise. This Privacy Policy explains how we collect, use, store, protect, and share your personal information when you use kulrakshak.com and our Services. We believe transparency builds trust, and trust is the foundation of everything we do.
🔐 Data Security
End-to-end encryption, role-based access, and tamper protection — your data is guarded at every stage.
🙅 No Data Selling
We never sell, trade, or rent your personal information to third parties for marketing or any other purpose.
✅ Your Control
Access, correct, update, or request deletion of your personal data at any time — it's your right.
1) Introduction & Scope
KulRakshak ("we," "our," "us," or "Company") is committed to protecting and respecting your privacy. This Privacy Policy describes how we collect, use, process, store, disclose, and protect the personal information and sensitive personal data or information ("Personal Data") of individuals who visit our website at https://kulrakshak.com (the "Website") or use our services, including legacy planning, asset recovery, claim assistance, nominee assistance, secure digital vault, and all related consultation and advisory services (collectively, the "Services").
This Privacy Policy applies to all users of the Website and Services, including visitors who browse the Website without creating an account, registered users who create an account and use our Services, clients who engage KulRakshak for paid services, nominees and family members added by users to the platform, and any other individuals whose data may be provided to us in connection with the Services.
By accessing the Website or using our Services, you acknowledge that you have read, understood, and agree to the collection and use of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Website or our Services.
This Privacy Policy should be read in conjunction with our Terms and Conditions, which govern your use of the Website and Services. In the event of any conflict between this Privacy Policy and the Terms and Conditions, this Privacy Policy shall prevail with respect to matters relating to privacy and data protection.
KulRakshak is operated from Plot 89, Sector 44, Gurugram, Haryana – 122018, India. For any privacy-related queries, you may contact us at info@kulrakshak.com or +91 9990184509.
2) Information We Collect
We collect different types of information depending on how you interact with our Website and Services. The categories of information we collect include:
👤 Personal Information You Provide Directly:
- Identity Information: Full name, date of birth, gender, nationality, photograph, and signature
- Contact Information: Email address, phone number, postal address, and emergency contact details
- Government Identifiers: Aadhaar number, PAN number, passport number, voter ID, driving license number, and other government-issued identification
- Account Information: Username, password, account preferences, and security questions
- Financial Information: Bank account details, investment account numbers, policy numbers, premium amounts, maturity dates, sum insured, and other financial instrument details
- Nominee Information: Names, relationships, contact details, and identification documents of nominees designated by you
- Documents: Insurance policies, investment statements, property documents, wills, legal agreements, identity proofs, and other records uploaded to the Digital Vault
- Communication Records: Correspondence with our support team, consultation notes, and feedback
🌐 Information Collected Automatically:
- Device Information: Device type, operating system, browser type and version, screen resolution, and unique device identifiers
- Usage Information: Pages visited, time spent on pages, click patterns, navigation paths, features used, and interaction data
- Network Information: IP address, internet service provider, referring and exit URLs, and approximate geographic location derived from IP address
- Cookies and Tracking Technologies: Session cookies, persistent cookies, web beacons, pixels, and similar tracking technologies (see Section 9 for details)
- Log Data: Server logs including access times, error logs, and system activity records
📋 Information from Third-Party Sources:
- Verification Services: Identity verification data from KYC and authentication service providers
- Public Records: Information from publicly available databases, government registries, and official records relevant to asset recovery and claim assistance
- Referral Information: Name and contact details provided by existing users who refer you to our Services
- Professional Advisors: Information shared by your legal, financial, or tax advisors in connection with the Services (with your consent)
3) Sensitive Personal Data or Information
Under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, certain categories of personal data are classified as Sensitive Personal Data or Information (SPDI). KulRakshak may collect and process the following SPDI in connection with the Services:
Categories of SPDI
- Financial information — bank account details, credit/debit card numbers, investment details
- Passwords and authentication credentials
- Government-issued identifiers — Aadhaar, PAN, passport numbers
- Biometric information (if collected for verification)
- Medical records and health information (if relevant to insurance claims)
How We Handle SPDI
- Collected only with your explicit, informed consent
- Used strictly for the purpose for which it was collected
- Stored with enhanced encryption and access restrictions
- Never shared without your prior written consent (except as required by law)
- You may withdraw consent at any time by contacting us
We collect SPDI only when it is necessary for providing the Services and only with your explicit, informed consent. You have the right to withdraw your consent at any time by contacting us at info@kulrakshak.com. However, please note that withdrawing consent may affect our ability to provide certain Services to you.
Your data is not our product — it's our responsibility. Every piece of information you share with KulRakshak is treated with the same care and protection you'd expect for your most valuable possessions. – KulRakshak Team Privacy & Security
4) How We Use Your Information
We use the information we collect for specific, legitimate purposes related to providing and improving our Services. KulRakshak processes your Personal Data for the following purposes:
📌 Primary Purposes — Service Delivery:
- Account Management: Creating and managing your user account, authenticating your identity, and maintaining your profile and preferences
- Service Provision: Delivering the Services you have engaged us for, including legacy planning, asset recovery, claim assistance, nominee management, and Digital Vault access
- Document Management: Storing, organizing, categorizing, and retrieving documents and records in your Digital Vault
- Nominee Administration: Managing nominee information, facilitating access permissions, and supporting nominee-related processes
- Claim Processing: Preparing documentation, coordinating with insurers, financial institutions, and other entities, and supporting the claim filing process
- Asset Recovery: Researching, identifying, and assisting in the recovery of unclaimed or forgotten assets on your behalf
- Communication: Sending service-related notifications, account alerts, renewal reminders, and responding to your inquiries and support requests
📌 Secondary Purposes — Improvement & Compliance:
- Service Improvement: Analyzing usage patterns, user feedback, and performance metrics to enhance the quality, features, and functionality of our Website and Services
- Personalization: Customizing your experience on the Website based on your preferences, usage history, and service requirements
- Security: Detecting, preventing, and addressing fraud, unauthorized access, security threats, and technical issues
- Legal Compliance: Complying with applicable laws, regulations, legal processes, court orders, and government requests
- Analytics: Conducting aggregated and anonymized statistical analysis to understand user behavior, identify trends, and inform business decisions
- Marketing: Sending promotional communications, newsletters, and updates about new features and services (with your consent, and with the ability to opt out at any time)
- Dispute Resolution: Resolving disputes, enforcing our Terms and Conditions, and protecting our legal rights and interests
We will not use your Personal Data for any purpose other than those stated above without your prior consent. If we need to use your data for a new purpose, we will notify you and, where required by law, seek your consent before doing so.
5) Legal Basis for Processing
We process your Personal Data based on one or more of the following legal grounds, as applicable under Indian law and the Digital Personal Data Protection Act, 2023 (to the extent notified):
⚖️ Legal Grounds for Data Processing:
- Consent: You have given clear, informed, and specific consent for us to process your Personal Data for one or more specified purposes. You may withdraw consent at any time.
- Contractual Necessity: Processing is necessary for the performance of a contract to which you are a party, or to take steps at your request prior to entering into a contract (e.g., providing the Services you have engaged us for).
- Legal Obligation: Processing is necessary for compliance with a legal obligation to which KulRakshak is subject, including regulatory requirements, tax obligations, and court orders.
- Legitimate Interest: Processing is necessary for the legitimate interests pursued by KulRakshak, such as improving our Services, ensuring security, and preventing fraud, provided such interests are not overridden by your fundamental rights and freedoms.
- Vital Interest: Processing is necessary to protect the vital interests of you or another individual, such as in medical emergencies or situations involving threat to life.
6) How We Share Your Information
KulRakshak does not sell, trade, or rent your Personal Data to third parties for marketing or commercial purposes. We may share your information only in the following limited circumstances:
Authorized Sharing
- With Your Consent: When you have given explicit permission to share specific information with a designated third party
- Nominees & Family Members: Sharing information with nominees or authorized family members as configured by you in the platform's access settings
- Professional Advisors: Sharing with your legal, financial, or tax advisors upon your instruction and with your consent
Operational Sharing
- Service Providers: Trusted third-party vendors who assist us in operating the Website and Services (e.g., cloud hosting, payment processing, email delivery) — bound by strict confidentiality agreements
- Financial Institutions: Banks, insurers, and other entities where necessary to facilitate asset recovery, claim processing, or nominee verification — with your authorization
- KYC/Verification Providers: Identity verification and authentication service providers to ensure regulatory compliance
🏛️ Legal & Compliance Sharing:
- Legal Obligations: When required by applicable law, regulation, legal process, subpoena, court order, or government directive
- Law Enforcement: When we believe in good faith that disclosure is necessary to protect the safety of any person, prevent illegal activity, or respond to a lawful request from public authorities
- Business Transfers: In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred to the successor entity — subject to equivalent privacy protections
- Rights Protection: To enforce our Terms and Conditions, protect our rights, property, or safety, or the rights, property, or safety of our users or others
All third parties with whom we share your data are required to maintain confidentiality and use your information only for the specific purposes for which it was shared. We conduct due diligence on our service providers to ensure they maintain appropriate data protection standards.
7) Data Storage & Security
The security of your Personal Data is of paramount importance to KulRakshak. We implement comprehensive technical, organizational, and administrative security measures to protect your information against unauthorized access, alteration, disclosure, or destruction.
Technical Safeguards
- End-to-end encryption (AES-256) for all data at rest and in transit
- TLS/SSL encryption for all communications between your browser and our servers
- Multi-factor authentication (MFA) for account access
- Secure cloud infrastructure with redundant backups across geographically distributed data centers
- Regular vulnerability assessments and penetration testing
- Intrusion detection and prevention systems
- Automated threat monitoring and alerting
Organizational Safeguards
- Role-based access controls — only authorized personnel access your data
- Principle of least privilege — access limited to what is necessary for job functions
- Employee confidentiality agreements and background checks
- Regular security awareness training for all staff
- Documented information security policies and procedures
- Incident response and breach notification protocols
- Periodic security audits and compliance reviews
Your data is stored on secure servers located in India, in compliance with applicable data localization requirements. We use reputable cloud service providers that maintain internationally recognized security certifications and standards.
Important: While we take every reasonable precaution to protect your data, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security. If you become aware of any security incident involving your account, please contact us immediately at info@kulrakshak.com.
8) Data Retention
KulRakshak retains your Personal Data only for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. Our retention practices are guided by the following principles:
📅 Retention Periods:
- Active Account Data: Retained for as long as your account is active and you continue to use our Services
- Digital Vault Data: Retained for as long as your account is active. Upon account termination, you will have an opportunity to export your data before permanent deletion
- Service Records: Retained for a period of seven (7) years from the date of completion of the relevant Service, in accordance with Indian regulatory and tax requirements
- Financial Transaction Records: Retained for a period of eight (8) years from the date of the transaction, in compliance with applicable financial regulations
- Communication Records: Retained for a period of three (3) years from the date of the last communication
- Marketing Preferences: Retained until you withdraw consent or opt out of marketing communications
- Website Usage Data: Aggregated and anonymized usage data may be retained indefinitely for analytical purposes
- Legal Hold: Data that is subject to a legal hold, litigation, or regulatory investigation will be retained until the matter is resolved, regardless of normal retention periods
Upon expiration of the applicable retention period, your Personal Data will be securely deleted or anonymized in a manner that prevents its reconstruction or identification. Deletion will be carried out using industry-standard data destruction methods appropriate to the sensitivity of the data.
You may request early deletion of your data by contacting us at info@kulrakshak.com. Please note that we may be unable to honor deletion requests where retention is required by law or where data is necessary for the exercise or defense of legal claims.
9) Cookies & Tracking Technologies
KulRakshak uses cookies and similar tracking technologies to enhance your experience on the Website, analyze usage patterns, and improve the performance and functionality of our platform.
Types of Cookies We Use
- Essential Cookies: Necessary for the Website to function properly — enabling core features like account login, session management, and security. These cannot be disabled
- Functional Cookies: Remember your preferences (language, region, display settings) to provide a personalized experience
- Analytics Cookies: Help us understand how visitors interact with the Website by collecting anonymized information about pages visited, time spent, and navigation patterns
- Performance Cookies: Monitor Website performance, identify errors, and help optimize loading speed and responsiveness
Managing Your Cookie Preferences
- You can manage cookie preferences through your browser settings at any time
- Most browsers allow you to block or delete cookies
- Disabling essential cookies may affect the functionality of the Website
- You may also use browser extensions or tools to manage tracking preferences
- Opt-out of analytics tracking by adjusting your cookie settings when prompted on the Website
We may also use web beacons, pixel tags, and similar technologies in emails to track delivery and open rates, helping us improve our communication effectiveness. These technologies do not collect personally identifiable information beyond your email interaction data.
KulRakshak does not use third-party advertising cookies or allow third-party advertisers to track your activity on our Website.
10) Your Rights & Choices
KulRakshak respects your rights over your Personal Data. Under applicable Indian data protection laws, including the Information Technology Act, 2000, the SPDI Rules, 2011, and the Digital Personal Data Protection Act, 2023 (to the extent notified), you have the following rights:
✅ Your Data Rights:
- Right to Access: You have the right to request a copy of the Personal Data we hold about you, along with information about how it is being processed. We will respond to your request within thirty (30) days
- Right to Correction: You have the right to request correction or updating of any inaccurate, incomplete, or outdated Personal Data. You can update most information directly through your account settings
- Right to Erasure: You have the right to request deletion of your Personal Data, subject to legal retention obligations and legitimate business needs. Upon receiving a valid deletion request, we will erase your data within a reasonable timeframe
- Right to Withdraw Consent: Where processing is based on your consent, you may withdraw consent at any time. Withdrawal of consent will not affect the lawfulness of processing carried out prior to withdrawal
- Right to Data Portability: You have the right to receive your Personal Data in a structured, commonly used, and machine-readable format, and to request transfer of that data to another service provider where technically feasible
- Right to Restrict Processing: You may request that we restrict the processing of your Personal Data in certain circumstances, such as when you contest the accuracy of the data or object to its processing
- Right to Object: You have the right to object to the processing of your Personal Data for direct marketing purposes. Upon receiving your objection, we will cease processing your data for marketing within a reasonable timeframe
- Right to Nominate: Under the DPDP Act, 2023, you have the right to nominate another individual to exercise your data rights in the event of your death or incapacity
To exercise any of these rights, please contact us at info@kulrakshak.com with the subject line "Data Rights Request." We will verify your identity before processing your request and respond within thirty (30) days of receiving a complete and valid request. We may charge a reasonable administrative fee for manifestly unfounded or excessive requests.
11) Digital Vault — Privacy Specifics
The Secure Digital Vault is a core feature of KulRakshak and handles some of the most sensitive information entrusted to us. The following additional privacy commitments apply specifically to data stored in the Digital Vault:
🔒 Digital Vault Privacy Commitments:
- Your Data, Your Control: Documents and records stored in the Digital Vault are your property. KulRakshak serves as a custodian and does not claim any ownership, license, or rights over your stored content
- Zero-Knowledge Access: KulRakshak personnel do not access the contents of your Digital Vault unless explicitly authorized by you for service delivery purposes (e.g., claim assistance, document preparation)
- Encryption at Rest: All documents stored in the Digital Vault are encrypted at rest using AES-256 encryption standards
- Access Logging: Every access to your Digital Vault is logged and auditable, including the identity of the accessor, timestamp, and actions performed
- Nominee Privacy: When you designate nominees and configure access permissions, the nominee will only be able to view the specific documents or categories you have authorized — not your entire vault
- Export & Deletion: You may export all data from your Digital Vault at any time. Upon account deletion, all vault data will be permanently and irrecoverably destroyed within sixty (60) days, unless retention is required by law
12) Children's Privacy
KulRakshak's Website and Services are not directed at individuals under the age of 18 years. We do not knowingly collect, solicit, or process Personal Data from children under 18 without the consent of a parent or legal guardian.
If we become aware that we have inadvertently collected Personal Data from a child under 18 without verifiable parental consent, we will take prompt steps to delete such information from our records. If you are a parent or guardian and believe your child has provided us with Personal Data, please contact us immediately at info@kulrakshak.com.
In cases where a user stores information about their minor children (e.g., identity documents, medical records) in the Digital Vault as part of family documentation, such storage is at the user's discretion and responsibility. The same security and privacy protections apply to all data stored in the Digital Vault regardless of the data subject's age.
13) Data Transfers
KulRakshak primarily stores and processes your Personal Data on servers located within India. We are committed to complying with applicable data localization requirements under Indian law.
In certain limited circumstances, your data may be accessed from or transferred to locations outside India — for example, if we use international cloud service providers for hosting or backup, or if we engage service providers located outside India for specific operational functions.
In such cases, we ensure that:
- The transfer is carried out in compliance with applicable Indian data protection laws and regulations
- The receiving party provides an adequate level of data protection that meets the standards required under Indian law
- Appropriate contractual safeguards are in place, including data processing agreements with strong confidentiality and security clauses
- Data transfers are limited to what is strictly necessary and are conducted using encrypted channels
- We retain responsibility and accountability for your data regardless of where it is processed
We will notify you if a material change occurs in our data transfer practices and, where required, seek your consent before transferring your data to a new jurisdiction.
14) Third-Party Links & Services
The Website may contain links to third-party websites, applications, or services that are not owned, controlled, or operated by KulRakshak. This Privacy Policy applies only to information collected by KulRakshak through the Website and Services.
We have no control over and assume no responsibility for the privacy practices, content, or data collection policies of any third-party websites or services. When you leave our Website and navigate to a third-party platform, you do so at your own risk, and this Privacy Policy no longer applies.
We strongly encourage you to review the privacy policy of every third-party website or service you visit before providing any personal information. KulRakshak shall not be held liable for the privacy practices or content of any third-party platforms.
15) Marketing Communications
With your consent, KulRakshak may send you marketing and promotional communications about our Services, new features, updates, industry insights, and other information that may be of interest to you.
What We May Send
- Newsletters with financial planning tips and industry insights
- Announcements about new Services and features
- Personalized recommendations based on your profile
- Event invitations and webinar announcements
- Seasonal and promotional offers
Your Marketing Choices
- Opt out of marketing emails using the "unsubscribe" link in any email
- Contact info@kulrakshak.com to update marketing preferences
- Opt-out requests are processed within ten (10) business days
- Opting out of marketing does not affect service-related communications
- You can re-subscribe at any time
We will never send you marketing communications without your prior consent. Service-related communications (account alerts, security notifications, renewal reminders) are considered essential and will continue regardless of your marketing preferences, as they are necessary for the safe and effective delivery of our Services.
16) Data Breach Notification
KulRakshak takes data breaches seriously and has established a comprehensive incident response framework. In the event of a data breach involving your Personal Data, we will:
🚨 Our Breach Response Protocol:
- Detect & Contain: Immediately investigate and take steps to contain the breach, prevent further unauthorized access, and minimize potential harm
- Assess: Evaluate the scope, severity, and potential impact of the breach, including identifying the categories of data affected and the number of individuals impacted
- Notify Authorities: Report the breach to the Indian Computer Emergency Response Team (CERT-In) and any other relevant regulatory authority as required by law, within the prescribed timeframes
- Notify Affected Individuals: Inform you about the breach without unreasonable delay, including details about the nature of the breach, the data affected, the steps taken to mitigate the impact, and recommended actions you can take to protect yourself
- Remediate: Implement corrective measures to address the root cause of the breach and prevent recurrence, including updating security protocols, conducting additional audits, and enhancing monitoring systems
- Document: Maintain a complete record of the breach, our response, and the outcomes for regulatory compliance and continuous improvement
Breach notifications will be sent to your registered email address and, where appropriate, published on the Website. We are committed to transparency and will provide updates as our investigation progresses.
17) Do Not Track (DNT) Signals
Some web browsers offer a "Do Not Track" (DNT) feature that sends a signal to websites requesting that your browsing activity not be tracked. There is currently no universally accepted standard for how companies should respond to DNT signals.
At this time, KulRakshak does not respond to DNT signals from web browsers. However, you can manage your tracking preferences through your browser's cookie settings and through any cookie consent mechanism provided on our Website. We will update this policy if an industry standard for DNT compliance is established.
18) Changes to This Privacy Policy
KulRakshak reserves the right to update, modify, or revise this Privacy Policy at any time at its sole discretion. Any changes will be reflected on this page with an updated "Effective Date" at the top of the document.
For material changes that significantly affect how we collect, use, or share your Personal Data, we will make reasonable efforts to notify you through one or more of the following channels at least fifteen (15) days before the changes take effect:
📢 How We Notify You of Changes:
- A prominent notice on the Website homepage or dashboard
- An email notification to your registered email address
- An in-app notification or banner when you next access the Services
- SMS or WhatsApp notification for significant changes (where applicable)
Your continued use of the Website or Services after the updated Privacy Policy takes effect constitutes your acceptance of the revised terms. If you do not agree with any changes, you should discontinue your use of the Website and Services and contact us to delete your account and data.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
19) Grievance Officer
In accordance with the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, KulRakshak has appointed a Grievance Officer to address your privacy-related complaints, concerns, and grievances.
Grievance Officer Details
- Designation: KulRakshak Privacy & Grievance Team
- Email: info@kulrakshak.com
- Phone: +91 9990184509
- Address: Plot 89, Sector 44, Gurugram, Haryana – 122018, India
Grievance Resolution Timeline
- Acknowledgment: Within forty-eight (48) hours of receipt
- Resolution: Within thirty (30) days from the date of receipt
- All grievances should be submitted in writing with sufficient detail to enable effective investigation
- You will receive regular updates on the status of your grievance until it is resolved
If you are not satisfied with the resolution provided by our Grievance Officer, you may escalate the matter to the appropriate regulatory authority or seek legal remedies available under applicable Indian law.
20) Contact Us
If you have any questions, concerns, feedback, or requests regarding this Privacy Policy, your Personal Data, or KulRakshak's privacy practices, please contact us:
📬 Get In Touch:
- Company: KulRakshak
- Address: Plot 89, Sector 44, Gurugram, Haryana – 122018, India
- Email: info@kulrakshak.com
- Phone: +91 9990184509
- Website: https://kulrakshak.com
- Hours: Monday – Saturday, 10:00 AM – 6:00 PM IST
We are committed to addressing all privacy-related inquiries promptly, transparently, and in accordance with applicable laws.
At a Glance: Your Privacy with KulRakshak
Your trust is the foundation of our business. KulRakshak is committed to safeguarding your personal information with the same rigor and dedication we bring to protecting your family's financial legacy.
Have Questions About Your Privacy?
Your privacy matters to us. If you have any questions about how we handle your data, want to exercise your data rights, or need clarification on anything in this policy — our team is here to help.
Contact KulRakshak