Privacy Policy
KarSahi.com, a sister concern of ASAS & Associates, Chartered Accountants, is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data in accordance with the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable Indian data protection standards.
1.Who We Are
For the purposes of this Privacy Policy, “KarSahi.com,” “we,” “us,” or “our” refers collectively to the KarSahi platform and its parent/sister entity, ASAS & Associates, Chartered Accountants. Both entities share common management and operate under a unified data governance framework.
Sister Concern Relationship
KarSahi.com is a sister concern of ASAS & Associates, Chartered Accountants. Personal data collected through KarSahi.com may be accessed by ASAS & Associates for the purpose of delivering professional services, quality assurance, and regulatory compliance. Such access is governed by strict confidentiality obligations.
2. Scope & Applicability
This Privacy Policy applies to all personal information collected by KarSahi.com / ASAS & Associates through:
- Our website at www.karsahi.com
- Enquiry forms, registration flows, and client onboarding
- Email, telephone, and in-person correspondence
- SMS, RCS, WhatsApp, Voice, and other digital communication channels
- Service delivery processes for tax filing, compliance, and advisory
3. Information We Collect
| Category | Examples |
|---|---|
| Identity Data | Full name, PAN, Aadhaar (where required by law), date of birth, photograph |
| Contact Data | Mobile number, email address, postal/residential address |
| Financial & Tax Data | Income details, bank account information, ITR data, GST registration number, TAN, capital gains information |
| Technical Data | IP address, browser type, device identifiers, cookies, access logs |
| Usage Data | Pages visited, forms submitted, tools used, documents uploaded |
| Communication Data | Records of SMS, RCS, email, WhatsApp, and voice interactions with KarSahi.com or ASAS & Associates |
| Marketing Preference Data | Consent records, opt-in/opt-out history for communication channels |
Sensitive Personal Data (SPDI)
Financial information, PAN, Aadhaar, and tax return data are classified as Sensitive Personal Data or Information (SPDI) under the IT Rules, 2011. Such data is handled with heightened access controls and security measures.
4. User Registration & Account Obligations
Communication — How We Use Your Information to Communicate With You
Required Communication Disclosure — Marketing & Service Communications
To Communicate with You: We may use your information to respond to your inquiries, provide customer service support, send you important information about the services, and send you marketing communications (with your consent) via different channels, including but not limited to SMS, Email, WhatsApp, Voice, and Rich Communication Services (RCS).
SMS
RCS
Voice
In furtherance of the above, communications from KarSahi.com and/or ASAS & Associates may include:
- Responses to your inquiries and queries submitted via the Website or any channel
- Customer service support and account-related notifications
- Important information about our services, including updates, changes, and alerts
- Tax compliance reminders (ITR due dates, GST filing deadlines, TDS payment dates, advance tax schedules)
- Regulatory and legislative updates relevant to your financial situation
- Marketing communications about KarSahi.com and ASAS & Associates services
- Promotional offers, discount notifications, and new service announcements
- Newsletters, tax bulletins, and educational content on Indian taxation
Consent basis: Marketing communications are sent only upon your express prior consent, which may be granted through registration, form submissions, or explicit opt-in. You retain the right to withdraw consent at any time.
Regulatory compliance: All SMS and RCS communications are delivered through TRAI-registered channels and comply with the Telecom Commercial Communications Customer Preference Regulations (TCCCPR), 2018. Muktimedia RCS campaigns are conducted in accordance with applicable DLT (Distributed Ledger Technology) registration requirements.
To opt out: Reply STOP to any SMS/RCS message · Click “Unsubscribe” in any email · WhatsApp opt-out: send “STOP” to our WhatsApp number · Email: support@karsahi.com
5. Other Purposes for Processing Your Information
By providing your contact information through any form, inquiry, registration, or subscription on KarSahi.com, you expressly consent to receive communications from KarSahi.com and/or ASAS & Associates through the following channels:
- Service Delivery: To provide ITR filing, GST compliance, advisory, and all other services under active engagements
- Legal & Regulatory Compliance: Income Tax Act, 1961; GST Act, 2017; Companies Act, 2013; FEMA, 1999; PMLA, 2002; and all other applicable Indian laws
- KYC & AML: To conduct know-your-client verification and anti-money-laundering checks as required under PMLA, 2002 and ICAI guidelines
- Platform Improvement: To analyse usage patterns, improve user experience, and develop new services
- Security & Fraud Prevention: To detect, prevent, and address fraud, security incidents, and unauthorised access
- Billing & Payments: To process payments, issue invo/ices, and maintain financial records
- Dispute Resolution: To enforce our Terms of Use, resolve disputes, and protect the legal rights of KarSahi.com and ASAS & Associates
6. How We Collect Your Information
You agree not to:
- Direct Submissions: Registration, contact forms, document uploads, email, telephone
- Automated Technologies: Cookies, log files, web beacons, analytics tools upon Website access
- Government & Statutory Sources: MCA21, GSTN, Income Tax Portal, Traces — for verification in connection with professional services
- Third-Party Referrals: From existing clients, professional networks, or partner platforms
- Communication Channels: Information shared via SMS, RCS, WhatsApp, Voice, or email interactions
7. Disclosure of Your Information
We do not sell, rent, or trade your personal information. Data may be shared in the following limited and lawful circumstances:
| Recipient | Basis of Disclosure |
|---|---|
| ASAS & Associates (Sister Concern) | For professional service delivery, quality review, and compliance oversight |
| Government & Statutory Authorities | Legal obligation — Income Tax Dept., GSTN, MCA, RBI, SEBI, PMLA authorities |
| Professional Advisors | Legal, banking, or insurance advisors — under strict confidentiality obligations |
| IT & Cloud Service Providers | Website hosting, data storage, and platform operations — under data processing agreements |
| SMS / RCS / Marketing Platforms | To deliver consented communications, including Muktimedia RCS — subject to TRAI norms and DLT compliance |
| Payment Gateways | For processing transactions — PCI-DSS compliant providers |
| Courts / Law Enforcement | Where required by court order, legal process, or applicable Indian law |
| Successor Entities | In the event of merger, acquisition, or reconstitution of KarSahi.com / ASAS & Associates |
8. Data Retention
We retain personal information for as long as necessary for the purposes set out in this Policy, and in compliance with statutory retention requirements under Indian law:
- Books of Account & Financial Records: Minimum 8 years (Companies Act, 2013 / Income Tax Act, 1961)
- ITR & GST Filing Data: As required under applicable tax law — typically 7–10 years
- Client Communication Records: 7 years from date of last engagement
- Marketing Consent Records: Duration of consent + 3 years
- Website Usage & Cookie Data: Up to 2 years
Upon expiry of the applicable retention period, data is securely deleted or anonymised.
9. Your Rights
Subject to applicable Indian law, you have the following rights in relation to your personal data:
- Right of Access: Request a copy of the personal information we hold about you
- Right of Correction: Request correction of inaccurate or incomplete data
- Right to Withdraw Consent: Withdraw marketing consent at any time without affecting prior processing
- Right to Opt-Out of SMS/RCS: Reply STOP to any message
- Right to Opt-Out of Email Click "Unsubscribe" in any marketing email
- Right to Erasure: Request deletion where no overriding legal obligation exists
- Right to Complain: Lodge a grievance with our designated Grievance Officer (see Clause 13) or the appropriate authority under the IT Act, 2000
To exercise any of the above rights, submit a written request to support@karsahi.com. We will respond within 30 days.
10. Cookies & Tracking Technologies
KarSahi.com uses cookies and similar technologies. Types used:
- Strictly Necessary: Essential for the Website to function
- Analytics: To understand visitor behaviour (e.g., Google Analytics)
- Functional: To remember your preferences and settings
- Marketing: To deliver relevant promotional content with your consent
You may control or disable cookies through your browser settings. Disabling certain cookies may affect Website functionality.
11. Security of Your Information
- SSL/TLS encryption for all data transmitted via the Website
- Password-protected systems with role-based access controls
- Confidentiality obligations binding all partners, staff, and contractors
- Regular security audits and vulnerability assessments
- Secure, access-controlled document management systems
While we take all reasonable precautions, no electronic transmission or storage system is guaranteed to be 100% secure. In the event of a data breach materially affecting your rights, we will notify you as required by applicable law.
12. Children's Privacy
KarSahi.com is not directed at individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has submitted their information on our Platform, please notify us immediately at support@karsahi.com and we will take prompt steps to delete such data.
13. Grievance Officer
In accordance with the Information Technology Act, 2000 and the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, we have designated a Grievance Officer:
| DETAIL | INFORMATION |
|---|---|
| Name | Akash Sharma |
| Designation | Grievance Officer — KarSahi.com / ASAS & Associates |
| support@karsahi.com | |
| Phone | +91 81410 47805 |
| Address | 220-221, Ajanta Shopping Center, Opp. Mandarwaja Fire Station, Ring Road, Surat – 395002, Gujarat, India |
| Resolution Timeline | Within 30 days of receipt of complaint |
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable Indian law. The revised Policy will be posted on this page with an updated effective date. Material changes will be communicated to registered users via SMS, RCS, or email. Continued use of KarSahi.com after such changes constitutes your acceptance of the revised Policy.
15. Governing Law
This Privacy Policy is governed by the laws of the Republic of India. Any disputes arising in connection with this Policy shall be subject to the exclusive jurisdiction of the courts at Surat, Gujarat, India.