This Privacy Policy explains how Sri Karupanna Auto Finance ("Company", "we", "us", or "our") collects, uses, stores, processes, and protects personal information when customers, prospective buyers, and dealership staff interact with our electric vehicle (EV) sales, service, inventory, and customer management system ("Application").
We are committed to maintaining the privacy, confidentiality, and security of all personal data entrusted to us, in compliance with applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDPA).
By purchasing a vehicle, booking a service, submitting an enquiry, or utilizing our dealership services, you acknowledge that your information will be handled as described in this Privacy Policy.
1. Data Fiduciary & Who We Are
The Application and dealership operations are managed and operated by:
Opposite to arumugam bajaj, Vellakovil road, Muthur - 638105
Tiruppur District, Tamil Nadu, India
Phone: +91 98652 47708 / +91 94862 57708
Email: skebikemuthur@gmail.com
2. Categories of Personal Data We Collect
Depending on your engagement with our dealership across vehicle sales, servicing, enquiry follow-ups, and financial records, we collect the following data:
| Module / Context | Data Collected | Purpose & Workflow |
|---|---|---|
| Vehicle Sales & Booking | Customer full name, primary and secondary contact numbers, residential address, Aadhaar card number, customer photo, vehicle registration number, chassis number, vehicle variant, and vehicle color. | Processing EV bookings, RTO vehicle registration, legal sale ownership records, and customer verification. |
| Payment & Financing (HP/Cash) | Payment type (Cash or Hire Purchase / HP Finance), booking amount, down payment / initial amount, outstanding balance, installment schedule dates, paid amounts, and RC delivery status. | Recording financial transactions, managing loan/hire purchase installments, tracking ledger balance, and generating receipts. |
| Vehicle Service & Repairs | Customer name, contact numbers, residential address, vehicle registration number, chassis number, in date/time, selected service job items, service bill amount, payment method, paid amount, and outstanding service balance. | Creating job cards, performing vehicle maintenance, calculating service charges, generating computerized service bills, and scheduling routine warranty/service maintenance. |
| Customer Enquiries & Leads | Prospective customer name, contact phone number, vehicle variant preference, color choice, quoted price, enquiry status, and follow-up notes. | Providing vehicle quotations, scheduling test rides, following up on customer queries, and sending vehicle purchase assistance. |
| Dealer Procurement & Ledger | Dealer name, vehicle purchase details, chassis numbers, transaction amounts, payment mode (Cash, Cheque, Bank Transfer, UPI), and date of transaction. | Recording procurement of EV stock, tracking dealer ledger accounts, and auditing company balance. |
| Authorized Staff & Branch Users | Username, hashed password credentials, role (Admin or Branch User), assigned branch location, and system activity logs. | Role-based access control, branch data isolation, authentication, and internal security audit. |
3. How We Use Your Personal Data
We process personal data strictly for legitimate operational purposes directly linked to our EV dealership and workshop services:
- Vehicle Registration & Ownership: Completing government transport (RTO) documentation and vehicle ownership transfer.
- Billing & Tax Compliance: Generating formal invoices, payment receipts, and computer-generated service bills.
- Maintenance & Warranty Tracking: Managing vehicle service history, periodic maintenance schedules, and tracking service expiry dates.
- Follow-up & Customer Support: Reminding customers about scheduled follow-ups, service due dates, and vehicle delivery timelines.
- Financial Accounting: Maintaining transparent daily ledger records, tracking hire-purchase (HP) balances, and dealer transactions.
- Multi-Branch Data Administration: Ensuring that each authorized branch accesses only its respective customer records, while central administration monitors overall service quality.
- Fraud Prevention & Legal Compliance: Safeguarding against unauthorized transactions, identity theft, and meeting statutory tax requirements.
4. WhatsApp & Electronic Communications
Our Application is integrated with the official Meta WhatsApp Business Cloud API via our verified business phone number (+91 94862 57708) to deliver real-time transactional updates directly to customers:
- Vehicle Purchase Confirmation: Sent upon sale creation with vehicle model, registration number, total cost, and date.
- Service Booking Confirmation: Sent when a vehicle is checked in for servicing, detailing the vehicle number, date, and estimated cost.
- Service Bill & Job Breakdown: Sent upon bill generation with the computerized bill number, itemized service jobs, and total bill amount.
- Enquiry Acknowledgment: Sent when a customer enquires about EV models, containing variant details and price quotations.
5. KYC Identification Documents (Aadhaar & Photo)
During vehicle purchases and HP financing agreements, we collect customer Aadhaar numbers and photographs as mandated for identity verification:
- Aadhaar numbers and photos are collected solely for KYC compliance, RTO vehicle registration, and hire-purchase agreement verification.
- These documents are stored securely with strict role-based access restrictions.
- KYC data is never shared with unauthorized third parties or used for unrelated commercial profiling.
6. Sharing and Disclosure of Information
Sri Karupanna Auto Finance does not sell, rent, trade, or monetize customer personal information under any circumstance.
We may share relevant data only with authorized recipients strictly on a need-to-know basis:
- Authorized Dealership Personnel: Staff members at the relevant branch responsible for completing your vehicle delivery or servicing.
- Technology & Cloud Infrastructure: Meta Platforms, Inc. (solely for transmitting transactional WhatsApp notifications) and our secure server hosting provider.
- Vehicle Financiers / HP Partners: Financial institutions or finance companies processing your hire-purchase loan application upon your explicit request.
- Government & Transport Authorities: Regional Transport Offices (RTO), law enforcement agencies, or tax authorities where legally mandated by statute or court order.
7. Data Security & Branch Isolation
We implement stringent administrative, technical, and physical safeguards to protect personal data against loss, unauthorized access, alteration, or disclosure:
- Branch-Level Isolation: Our system enforces strict access boundaries. Users belonging to one branch cannot view, edit, or access daily expenses, sales, or customer data of any other branch. Only super-administrators have cross-branch visibility.
- Encrypted Passwords: All employee and user passwords are encrypted using modern cryptographic hashing (bcrypt).
- Transport Security: All data transmitted between browsers and our application is encrypted using standard HTTPS/SSL protocols.
- SQL Injection & CSRF Defense: All forms and database queries utilize CodeIgniter query parameterization and Cross-Site Request Forgery (CSRF) protection.
- Session Security: Protected session cookies with strict expiration controls to prevent session hijacking.
8. Data Retention
We retain customer sales, warranty, and service transaction records for as long as necessary to:
- Support your vehicle warranty period and routine maintenance schedules.
- Comply with Indian tax, GST, and statutory accounting audit regulations.
- Maintain transparent hire-purchase installment and ledger payment records until accounts are fully settled.
When records are no longer required for legal, tax, or operational purposes, they are securely purged or anonymized.
9. Your Privacy Rights
Under applicable data protection laws, customers have the right to:
- Right to Review: Request details of personal information stored about you and your vehicles.
- Right to Rectification: Request correction of inaccurate, outdated, or incomplete records (such as updated contact numbers or addresses).
- Right to Grievance Redressal: File a grievance regarding how your personal information is processed.
- Right to Withdraw Consent: Request withdrawal of consent for non-essential communications, subject to statutory retention requirements.
To exercise any of these rights, please contact our dealership using the details provided below.
10. Contact Us & Grievance Redressal
For any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact our designated Grievance Officer:
Grievance Officer: Management Desk
Address: Opposite to arumugam bajaj, Vellakovil road, Muthur - 638105, Tiruppur Dist, Tamil Nadu, India
Phone: +91 98652 47708 / +91 94862 57708
Email: skebikemuthur@gmail.com
Operating Hours: Monday – Saturday, 9:00 AM – 7:00 PM IST