Privacy Policy 

Effective Date: 01 July 2025 

Law Firm Name: Miglani Varma and Co. 

Third-Party Service Provider: Mtalkz Mobility Services Private Limited

  1. Purpose of This Privacy Policy

    This Privacy Policy explains how Miglani Varma and Co., through its authorized third-party service provider Mtalkz Mobility Services Private Limited, collects, uses, shares, and protects personal information (such as mobile numbers and email addresses) solely for the purpose of sending loan default notices to customers. 

  2. Information Collected 

    We may collect and process the following types of personal information: 

    • Mobile phone number

    • Email addresses

    • Postal addresses

  3. Use of Information

    The collected information is used exclusively for the following purpose: 

    • To issue loan repayment default notices.

    • To remind borrowers of outstanding payments or obligations 

    • To communicate legal notices as authorized by the Law Firm

    Communication methods may include:

    • SMS

    • WhatsApp Messages

    • Postal Mail

    No promotional or marketing messages will be sent using this information.

  4. Lawful Basis for Processing 

    The processing of personal data is done under the direction and authorization of Miglani Varma and Co. in compliance with applicable legal obligations and legitimate interest grounds, such as: 

    • Performance of legal obligations

    • Enforcement of loan agreements

    • Recovery of outstanding dues

  5. Data Sharing and Disclosure 

    Mtalkz Mobility Services Private Limited acts as a data processor on behalf of Miglani Varma and Co. Personal data will not be sold, rented, or shared with any unauthorized third party. Data may be shared only with: 

    • Authorized postal/courier service providers (for sending physical notices) 

    • Telecommunications platforms (SMS/WhatsApp gateways) strictly for delivery of the legal notices .

  6. Data Retention 

    We retain customer data only as long as necessary to fulfill the purposes described in this policy and as required by applicable law or regulatory requirements. Once the default notice process concludes, the data will be securely deleted or anonymized.

  7. Data Security 

    We implement appropriate administrative, technical, and physical safeguards to protect personal data from unauthorized access, disclosure, alteration, or destruction.

  8. Customer Rights 

    Borrowers may have rights under applicable data protection laws, including the right to:

    • Access their personal data

    • Correct inaccuracies 

    • Object to certain processing activities 

    • Request deletion (where applicable)

    To exercise these rights, customers may contact Miglani Varma and Co. directly. As a third-party service provider, Mtalkz Mobility Services Private Limited is not authorized to respond to such requests directly. 

  9. Changes to This Policy

    We may update this Privacy Policy periodically. The latest version will always be available at https://www.miglanivarmanco.com/. 

  10. Contact Information 

    For questions or concerns about this Privacy Policy, please contact: 

    Miglani Varma and Co.  

    Chamber No: 458, Patiala House Courts Complex, New Delhi – 110001 

    Email: Legal@miglanivarmanco.com 

    Phone: 9211848707