Privacy Policy
What we collect, why we collect it, who sees it, and how to make us delete it. We deliberately collect as little as the service can function on — the shortest section here is the one about what we share, because the answer is almost nothing.
1. Who this applies to
This policy explains how LAST FLIGHT SOLUTION LIMITED (CIN U96090UT2026PLC020874), which operates the Bharat Kist brand, handles personal information collected through www.bharatkist.com, the Bharat Kist mobile application, and our consulting sessions.
It covers two groups of people, and the difference matters because we collect very different things from each:
- Clients — people who buy a consulting session. Sections 2 to 9 apply to you.
- Experts — independent consultants who apply to deliver sessions. Everything below applies to you too, plus section 10, which covers the identity and bank verification we are required to carry out before we can pay you.
It is published in accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and reflects the principles of the Digital Personal Data Protection Act, 2023.
2. What we collect
| Category | What it includes | Why we need it |
|---|---|---|
| Identity & contact | Name, mobile number, email address | To schedule sessions, deliver written plans, and reply to enquiries |
| Consulting information | What you choose to tell us about your loans, instalments, due dates, income range and repayment history | To produce a plan that fits your actual circumstances |
| Transaction records | Which service you bought, when, the amount, and the payment gateway's reference — not your card or bank credentials | To invoice you, handle refunds, and meet our tax and accounting obligations |
| Technical | IP address, browser type, pages visited, referring page | To keep the site secure and understand which pages are useful |
What we never collect: net-banking passwords, card numbers, CVVs, card PINs, UPI PINs or OTPs. We have no use for them, no way to store them, and nobody acting for us will ever ask you for one. Payment credentials are entered directly with our payment gateway and never reach our systems.
We do not access your credit report, and we do not perform credit checks or enquiries of any kind.
Clients are not asked for KYC. Buying a consulting session does not require Aadhaar, PAN or bank verification, and we do not collect them from you. Those checks apply only to Experts, who must be verified before we can pay them — see section 10.
3. How we use it
We use personal information to deliver the service you bought, to communicate with you about it, to issue invoices and handle refunds, to meet legal and tax obligations, to improve our materials, and to keep the service secure.
We will send you service communications — session confirmations, plans, invoices, and material changes to these policies. We only send marketing email if you have opted in, and every marketing email carries a working unsubscribe link. Unsubscribing does not stop service communications about something you have paid for.
4. On what basis we process it
We process personal information on the basis of: your consent, given when you submit a form or book a session; the performance of the contract between us when you buy a service; our legal obligations, such as retaining tax records; and our legitimate interests in keeping the service secure and functioning.
You can withdraw consent at any time by writing to support@bharatkist.com. Withdrawing consent does not affect processing already carried out, and we may be unable to continue providing a service that depends on the information you have withdrawn.
5. Who we share it with
We do not sell, rent or trade personal information. We do not share your details with lenders, brokers, aggregators or any other party for marketing purposes.
We share the minimum necessary with a small number of service providers who act on our instructions:
- Cashfree Payments India Private Limited — our payment, verification and
payout provider, used in three distinct ways:
- Payment gateway — to take client payments and process refunds. Your card, UPI or net-banking credentials go to them directly; we receive only a transaction reference and a status.
- Secure ID / verification — to verify an Expert's PAN, identity and bank account. Used for Experts only, never for clients.
- Payouts — to transfer an Expert's weekly earnings to their verified bank account.
- Email and communication providers — to send confirmations, plans and invoices.
- Hosting provider — the servers on which this website and our records run.
- Professional advisers — accountants and auditors, where required.
We may also disclose information where we are legally required to: to a court, a regulator, or a law-enforcement authority acting under lawful process.
6. If you are an Expert: verification and payout data
This section applies only to consultants who apply to deliver sessions. It exists because paying someone, and vouching for them to clients, requires us to know who they are with more certainty than selling a consultation does.
At application
The form on the Register as an Expert page collects your name, mobile number, email, city, qualification, years of experience, which services you could take, whether you have any arrangement with a lender, and what you write about your experience. It collects nothing sensitive. Do not send us your Aadhaar number, a PAN image, bank details or documents by email or through that form — we do not want them at that stage and we will ask you to delete and resend without them.
At verification
If your application proceeds, verification is carried out inside Cashfree's regulated verification suite, not by us:
| Check | What you provide, to Cashfree | What we receive and store |
|---|---|---|
| Mobile | Your number and an OTP | The verified number, and a pass/fail |
| PAN | Your PAN | Your PAN (we are required to hold it for tax deduction and reporting) and the name-match result |
| Identity | Aadhaar OTP, directly to Cashfree | A pass/fail and a masked reference only. We never receive, see or store your Aadhaar number |
| Bank account | Account number and IFSC, for a penny-drop | The verified account, held masked except as needed to make a payout, plus the name-match result |
While you are listed
We hold your qualification and experience details (some of which are shown to clients so they know who they are booking), your session and delivery record, client feedback and complaints about you, your earnings, and every payout statement including tax deducted.
What we do with it
To verify you, to list you to clients, to pay you, to deduct and deposit tax where the law requires, to handle complaints, and to meet our obligations as a marketplace under the Consumer Protection (E-Commerce) Rules, 2020. We do not sell it, and we do not share it with lenders.
How long
Verification records and payout statements are kept for eight years after your last payout, because they are financial and tax records. Application data from candidates who are not approved is deleted after twelve months. You can ask for the rest to be deleted under section 8; we cannot delete records the Income-tax Act requires us to keep.
7. How long we keep it
Consulting records and the plans we produce for you are kept for as long as you remain a client and for three years afterwards, so that a returning client's history is intact and so we can answer questions about advice we gave.
Financial and tax records are kept for eight years, as required by Indian tax law. Enquiry-form submissions that do not become clients are deleted after twelve months. Server logs are kept for 90 days.
8. How we protect it
The website is served over HTTPS. Access to client records is restricted to the staff who need it to deliver your service, and is protected by individual accounts and strong authentication. Records are backed up, and backups are access-controlled.
No system is perfectly secure, and we will not claim otherwise. If a breach occurs that is likely to affect your rights, we will notify you and the appropriate authority without undue delay, and tell you what happened and what to do about it.
9. Your rights
You may ask us to:
- Access the personal information we hold about you;
- Correct anything inaccurate or incomplete;
- Delete your information, subject to records we are legally required to keep;
- Withdraw consent to processing or to marketing;
- Complain if you think we have handled your information badly.
Write to support@bharatkist.com from the address on your account. We respond to such requests within 30 days, and we do not charge for them. The same route and the same timescales apply whether you are a client or an Expert.
If you are not satisfied with how we have handled a request, escalate it to Saurabh Chaudhary, Grievance Officer & Managing Director, at support@bharatkist.com.
10. Cookies and tracking
This website uses no advertising cookies, no third-party analytics trackers, and no cross-site tracking. Fonts are loaded from Google Fonts; no other third-party resource is requested by the pages.
Where a cookie is used it is strictly functional — for example, remembering that you have dismissed a notice. You can block or delete cookies in your browser settings; the site remains usable if you do.
11. Children's information
Our services are intended for adults aged 18 and over. We do not knowingly collect personal information from children. If you believe a child has given us personal information, tell us and we will delete it.
12. Changes to this policy
We may update this policy. The effective date at the top of this page reflects the current version. Where a change materially affects how we handle your information, we will tell you by email before it takes effect.
Contact
Questions about this document should go to support@bharatkist.com, or by post to Last Flight Solution Limited, Dhakia Gulaboo Road, Dhakia No. 1, Near Utkarsh Bank, Tanda Ujjain, Kashipur, Uttarakhand 244713, India. You can also call +91 96399 09965 during Monday to Saturday, 10:00 AM – 7:00 PM IST.
Unresolved complaints may be escalated to Saurabh Chaudhary, Grievance Officer & Managing Director, at support@bharatkist.com. Grievances are acknowledged within 48 hours and we aim to resolve them within 15 working days.
Bharat Kist is a consulting and financial-literacy service. It is not a bank, an NBFC, a lending platform, a loan aggregator or a credit bureau. It does not lend money, accept deposits, hold client funds, broker loans, or alter credit reports.