1. About CK Tech Solutions

CK Tech Solutions ("CK Tech", "we", "us", or "our") is a technology and software services business operated as a sole proprietorship by CHEMPUKUTTI E.

CK Tech provides software development, SaaS products, web and mobile application development, technology consulting, CRM/ERP solutions, and related IT services.

This Privacy Policy applies primarily to personal data collected through our website and website-related interactions.

2. Personal Data We Collect

Depending on how you interact with CK Tech, we may collect the following categories of personal data:

• Contact Information: Name, email address, mobile number, telephone number, communication address, and company/business information.
• Enquiry Information: Information submitted through contact forms, demo requests, service enquiries, quotations, support requests, or other communications.
• Business Information: Company name, business requirements, project information, service requirements, and information provided for preparing proposals or providing services.
• Transaction Information: Information required to process payments, invoices, subscriptions, or other business transactions.
• Technical Information: IP address, browser type, operating system, device-related technical information, access time, pages visited, and technical or diagnostic information.
• Communication Information: Information contained in emails, support communications, enquiries, or other communications exchanged with CK Tech.

3. How We Use Personal Data

We may process personal data for purposes including:

• Responding to enquiries and requests.
• Providing product demonstrations and consultations.
• Providing software development and IT services.
• Managing customer and business relationships.
• Preparing quotations, proposals, invoices, and agreements.
• Processing payments and maintaining transaction records.
• Providing customer and technical support.
• Communicating service-related information.
• Improving our website, products, and services.
• Maintaining website and application security.
• Detecting and preventing fraud, misuse, or unauthorised access.
• Complying with applicable legal and regulatory requirements.
• Establishing, exercising, or defending legal rights.

4. Consent and Other Lawful Purposes

Where applicable, CK Tech may process personal data based on consent provided by the individual or for other purposes permitted under applicable law.

Where processing is based on consent, individuals may withdraw consent through the applicable mechanism provided by CK Tech. Withdrawal of consent does not affect processing that was lawfully carried out before withdrawal.

5. Sharing of Personal Data

CK Tech does not sell personal data for monetary consideration.

Where reasonably necessary for providing our services, operating our business, maintaining security, or complying with applicable law, personal data may be shared with appropriate third parties, including:

• Cloud hosting and infrastructure providers.
• Software and technology service providers.
• Email, SMS, and communication service providers.
• Payment and billing service providers.
• IT, security, maintenance, and support providers.
• Professional advisers and service providers.
• Government authorities, regulators, courts, or law-enforcement agencies where legally required or permitted.

Third-party service providers are expected to process personal data only for authorised purposes and to maintain appropriate safeguards.

6. Cookies and Similar Technologies

Our website may use cookies and similar technologies to support website functionality, remember preferences, understand website usage, improve performance, and maintain security.

Where applicable, users may control cookies through their browser settings or other available preference mechanisms.

7. Data Security

CK Tech uses reasonable technical and organisational safeguards designed to protect personal data against unauthorised access, alteration, disclosure, loss, misuse, or destruction.

Depending on the service, safeguards may include access controls, authentication, secure application and server configuration, protected transmission, logging, monitoring, backup and recovery mechanisms, software maintenance, and administrative controls.

No electronic transmission or storage system can be guaranteed to be completely secure. CK Tech nevertheless takes reasonable measures appropriate to the nature of the information and services provided.

8. Data Retention

CK Tech retains personal data only for as long as reasonably necessary for the purposes for which it was collected, to provide requested services, to maintain necessary business and transaction records, or where retention is required or permitted by applicable law.

Retention periods may vary depending on the type of information, purpose of processing, contractual requirements, legal obligations, security requirements, and dispute-resolution requirements.

When personal data is no longer required, CK Tech may delete, anonymise, or otherwise dispose of it in accordance with applicable requirements and internal procedures.

9. Privacy Rights and Requests

Subject to applicable law and the commencement of relevant legal provisions, individuals may have rights relating to their personal data, including rights to:

• Request information about processing of personal data.
• Request correction or updating of inaccurate information.
• Request deletion of personal data where applicable.
• Withdraw consent where processing is based on consent.
• Raise a grievance regarding the processing of personal data.
• Exercise other rights available under applicable data-protection law.

Requests may be submitted using the privacy contact details provided below.

CK Tech may request reasonable information to verify the identity of the person making a request before processing the request.

10. Withdrawal of Consent

Where processing is based on consent, you may withdraw your consent by contacting CK Tech using the privacy contact details below or through a withdrawal mechanism provided with the relevant service.

Withdrawal of consent may affect our ability to provide certain services or functionality where the relevant processing is necessary for that service.

11. Children's Personal Data

Our website and services are primarily intended for businesses and general users and are not specifically directed at children.

We do not knowingly seek to collect children's personal data for purposes unrelated to the services we provide.

12. Personal Data Security Incidents

CK Tech maintains internal processes for identifying, assessing, containing, and responding to personal-data security incidents.

Where applicable law requires notification to individuals, authorities, or other parties following a personal-data breach, CK Tech will take appropriate action in accordance with applicable requirements.

13. Third-Party Websites

Our website may contain links to third-party websites, applications, or services.

Third-party websites operate under their own privacy policies and terms. CK Tech is not responsible for the privacy practices of websites or services that it does not control.

14. FinApp Privacy

CK Tech operates FinApp, a software platform designed for pawn-broking and gold-loan businesses.

FinApp may process personal data relating to borrowers, customers, loans, pledges, KYC records, transactions, communications, and related business operations.

FinApp is subject to a separate FinApp Privacy Notice that describes the categories of information processed through the FinApp platform and the respective responsibilities of CK Tech and FinApp customers.

15. Changes to This Privacy Policy

CK Tech may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or privacy practices.

Material changes may be communicated through our website, application, email, or another appropriate communication method.

The latest version will indicate the effective date and last updated date.