Privacy Policy

This privacy policy explains how Kerala State Financial Enterprises Limited (hereinafter referred to as “KSFE”) uses and protects any information that a person who visit the site and provides information to KSFE (“the User”).

KSFE endeavors to safeguard and protect the User’s privacy.

Who is covered by this Policy?

All persons who visit the website and provide information to KSFE online are covered under this Policy. This Policy does not cover the information provided through other modes of communication.

What information does KSFE collect?

KSFE and its authorized third parties will collect information pertaining to your identity, demographics, and related evidentiary documentation. We may also collect your personal information when you use our services or websites or otherwise interact with us during the course of our relationship.

What KSFE does with the collected information?

  • The access to the information provided through the would only be given to authorized employees or authorized agents or service provider for normal business purposes, only on need to know basis;
  • KSFE may be required, from time to time, to disclose the User’s information to Governmental or judicial bodies or Regulators or any person to whom KSFE is under an obligation to make disclosure under the requirements of any law.


KSFE’s endeavor is to ensure that information is secure. In order to prevent unauthorized access or disclosure, KSFE has put in place suitable systems and procedures to safeguard and secure the information that it collects online. KSFE may also work with third parties for Web traffic analysis to research certain usage and activities on parts of KSFE’s website. The Web analysis software is used to find out more about the User, including the User’s demographics, behavior and usage patterns, for more accurate reporting and to improve the effectiveness of KSFE’s marketing.

Service Providers

We employ third party companies and individuals to facilitate our Website ("Service Providers"), to provide our Website on our behalf, to perform Website-related services or to assist us in analyzing how our Website is used. These third-parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.


Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:


Our Website uses "Cookies" to identify the areas of our Website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to personalize the Content that you see on our Website. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our Website correctly or at all. We never place Personally Identifiable Information in Cookies.

Log Information

We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our Website, if any, as well as the name of the website to which you're headed when you leave our website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet Website provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our Users to help improve our Website.

Links to other websites

KSFE’s website may contain links to other websites of interest. Please note that once the User opts the link to other websites by leaving KSFE’s site, KSFE shall not be responsible for protection of further disclosure of information and this Privacy Policy / statement cease to be applicable for such disclosure of information. The User may therefore, like to exercise caution and look at the privacy statement applicable to those websites.

Terms of Use

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

Online Payment Service

We provide online payment service on our Website. In that case, we use third-party services for payment processing (Payment processors)

We will not store or collect your payment related details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. They are covered by the Payment and Settlement Systems Act, 2007 (PSS Act), legislated in December 2007 and regulated by the Reserve Bank of India and the Board for Regulation and Supervision of Payment and Settlement Systems.


KSFE reserves the right to amend the present Privacy Policy at any time and will place such amended Privacy Policy, if any, on its website. This Privacy Policy is neither intended to and nor does it create any contractual rights whatsoever or any other legal rights, nor does it create any obligations on KSFE in respect of any other party or on behalf of any party. By accessing this website and any of its pages you are agreeing to the terms set out above.

All disputes shall be subject to the jurisdiction of the Courts in Thrissur, Kerala, India. The Company however, may, in its absolute discretion commence any legal action or proceedings arising out of these terms in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction.

The Kerala State Financial Enterprises Ltd (KSFE)

54 Years Of Trusted Services

More Than 50 lakhs Satisfied Customers, Thank You Subscribers For Your Trust And Faith


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