Privacy Policy
At Bhura Consultancy, we are committed to safeguarding the privacy, confidentiality, and integrity of the corporate, financial, and personal information entrusted to us by our industrial clients and website visitors.
1. Introduction & Scope
This Privacy Policy governs the manner in which Bhura Consultancy ("we", "us", "our") collects, holds, uses, maintains, and discloses information collected from clients, business owners, and users ("you", "User") of the bhuraconsultancy.com website and our offline advisory operations across India.
By engaging our financial consulting services, submitting loan/subsidy applications, requesting Detailed Project Reports (DPR), or browsing our website, you signify your acceptance of this policy.
2. Information We Collect
To provide accurate financial appraisals, subsidy liaising, and statutory registrations, we collect several categories of information:
A. Personal Identification
- Full name and designation of directors/promoters/proprietors
- Contact phone/mobile numbers and official email addresses
- Registered business office and manufacturing plant addresses
- KYC identification documents (PAN, Aadhaar, Passport) as required by lending banks
B. Industrial & Financial Records
- Audited balance sheets, profit & loss statements, and income tax returns
- Bank account statements, existing sanction letters, and loan repayment track records
- Detailed Project Reports (DPR), project estimates, and machinery quotation invoices
- GST returns (GSTR-1, GSTR-3B) and Udyam Registration certificates
C. Statutory & Licensing Data
- Industrial land title deeds, factory approvals, and electricity load sanctioned bills
- FSSAI licenses, Trade licenses, Factory Inspectorate clearances
- Pollution Control Board (PCB) consents and state DIC approvals
D. Technical & Website Data
- IP address, browser type, operating system, and device identifiers
- Referring URLs and timestamps of website visits for analytics
- Essential cookies used for session management and website performance
3. How We Use Collected Information
Information collected by Bhura Consultancy is utilized strictly for professional advisory purposes, including:
- Scheme & Subsidy Eligibility Analysis: Evaluating your industrial unit against central and state government incentive notifications (such as capital subsidy, interest subvention, and technology upgradation).
- Financial Document Preparation: Drafting bankable Detailed Project Reports (DPR), Credit Monitoring Arrangement (CMA) data, and financial projections for bank sanctions.
- Liaison & Application Filing: Submitting applications on designated government incentive portals (e.g., MSME Champions, PMEGP, State DIC) and with schedule commercial banks/NBFCs upon your instruction.
- Client Communication: Providing proactive status updates on loan appraisals, subsidy releases, query replies, and regulatory deadline reminders.
- Service Enhancement: Improving the accuracy of our advisory calculations and optimizing our client communication infrastructure.
4. Client Confidentiality & Data Security
Confidentiality is the cornerstone of our advisory practice. Founded and led by three brothers since 2010, our firm treats client financial data with the highest fiduciary responsibility:
All consultants, financial analysts, and documentation executives are bound by stringent confidentiality agreements.
Client records, balance sheets, and project reports are stored in secure, password-protected repositories accessible only to assigned advisory team members.
We never sell, rent, trade, or monetize your contact or financial information to third-party marketing brokers or advertising networks.
5. Disclosure to Third Parties
We only disclose your information to external parties under the following lawful circumstances:
- Authorized Financial Institutions: To nationalized banks, private banks, cooperative banks, SIDBI, and NBFCs for processing loan proposals, solely with your prior written or verbal authorization.
- Government Departments & Incentive Authorities: To District Industries Centres (DIC), Ministry of MSME, State Industry Commissionerates, and subsidy nodal agencies for formal incentive claims.
- Legal & Regulatory Obligations: Where disclosure is required by court order, statutory government summons, or applicable Indian law (e.g., prevention of money laundering or GST compliance audits).
6. Cookies and Tracking Technologies
Our website (bhuraconsultancy.com) may use standard cookies and analytics tools to enhance visitor experience, ensure secure navigation, and analyze web traffic patterns. You may instruct your browser to decline cookies, although certain parts of our website may function with limited convenience as a result.
7. Data Retention Period
We retain client financial files and project documentation for as long as necessary to fulfill the advisory engagement, support long-term subsidy claim verifications (which often span 3 to 5 post-disbursement years under state industrial policies), and satisfy statutory accounting and tax compliance records under Indian law.
8. Your Legal Rights
As a valued client, you have the right to:
- Request a summary of the personal and business information held on file.
- Request rectification of any outdated, erroneous, or incomplete records.
- Withdraw consent for future marketing newsletters or advisory notifications.
- Request secure return or shredding of duplicate physical documents once advisory engagements conclude.
9. Updates to This Policy
Bhura Consultancy reserves the right to update this Privacy Policy periodically to reflect changes in regulatory compliance, statutory financial norms, or our operational practices. Any revisions will be published here with an updated "Effective Date".
10. Contact & Grievance Redressal
If you have questions, feedback, or grievance inquiries regarding this Privacy Policy or our data management practices, please contact our compliance desk:
Bhura Consultancy — Compliance & Client Desk
Head Office: Surat, Gujarat, India
Helpline: 093772 67755
Official Email: contact@bhuraconsultancy.com
Working Hours: Monday – Saturday | 9:30 AM – 7:00 PM IST