1. Introduction

We are committed to protecting your personal data.

2. Information Collected

Personal data includes name, contact details, passport, academic records, exam data, financial information for loan processing, insurance-related data, and travel details. Technical data includes IP address, cookies, and browser information.

3. Use of Information

Used for consultancy services, exams, admissions, visas, loans, insurance facilitation, travel bookings, communication, and legal compliance.

4. Data Sharing

Data may be shared with universities, embassies, examination bodies, financial institutions, insurance providers, airlines, travel partners, payment gateways, and government authorities strictly on a need-to-know basis.

5. Security

Reasonable safeguards are used; however, no system guarantees absolute security.

6. Cookies

Cookies enhance user experience and may be disabled in browser settings.

7. User Rights

Users may request correction or deletion subject to legal and regulatory requirements.

8. Retention

Data is retained as required for service delivery and compliance.

9. Updates

Policy may be updated anytime.

Contact Information

If you have any questions about our Privacy Policy, please contact us at:

• • Email: care@kommaconsultancy.com
• • Phone: +91 84601 00014
• • Address: TF-23, Phoenix Resicom, Vaikunth Circle, Waghodia Main road, Vadodara-390019

Last Updated: January 2026