Privacy Policy

Capital Yono respects the privacy and confidentiality of personal, business, financial, legal, strategic, commercial, operational, social media, transaction-related and qualitative information shared by users.

We collect and process information for legitimate business, advisory, technology, service delivery, security, payment, compliance, quality review and communication purposes.

Capital Yono is an AI-assisted, expert-reviewed business advisory and decision-support platform. Users may submit documents, business data, financial records, legal information, social media information, ID proofs, address proofs, photos, business secrets, insider information, transaction data, routine-related information and other qualitative information for advisory support.

We aim to handle such information responsibly, with reasonable security practices, structured access controls and lawful processing principles.

A. Personal Identification Information

• Full name
• Mobile number
• Email address
• Address
• Date of birth, where required
• PAN, Aadhaar or other identity details, if voluntarily uploaded
• ID card copies
• Address proof
• Photographs
• Designation
• Signature copies
• KYC information
• Professional background
• Educational qualification
• Experience details

B. Business Information

• Business name
• Legal name
• Trade name
• Constitution type
• Proprietorship / Partnership / LLP / Pvt Ltd / Public Ltd / Trust / Society / Section 8 / other structure
• PAN, GSTIN, CIN, Udyam, IEC or other registration details
• Registered office address
• Factory / branch / warehouse / project location
• Promoter, director, partner, shareholder and management details
• Business model
• Product or service details
• Industry and sub-industry details
• Customer and vendor details
• Business plans
• Expansion plans
• Project details
• Operational data
• Supply chain details
• Market positioning
• Business policies and internal SOPs

C. Financial Information

• Audited & provisional financial statements
• ITRs, computation of income
• GST returns
• Bank statements
• Cash flow & working capital details
• Existing loan details, sanction letters, repayment schedules
• CMA & DPR data
• Project cost and means of finance
• DSCR, TOL/TNW, current ratio, debt-equity ratio
• Promoter contribution & net worth
• Assets and liabilities
• Financial transactions, invoices
• Subscription payment history
• Refund and cancellation records

D. Banking, Credit and Funding Information

• CIBIL reports
• CMR / MSME rank
• Commercial credit reports
• Bank account conduct
• Cheque bounce details
• EMI delay details
• Loan rejection reasons
• Bank appraisal queries
• Collateral & security details
• Property documents, valuation & legal search reports
• Charge & guarantee details
• Lender / investor communication
• Funding requirement and purpose

E. Legal, Regulatory and Compliance Information

• Licences, registrations, approvals
• Statutory dues information
• Notices, litigation, arbitration & court documents
• Legal replies & show cause notices
• Scrutiny / enquiry details
• Contingent liability details, guarantees, claims, disputes
• Compliance gaps
• Regulatory communications
• Government scheme & subsidy documents
• Tax & GST notices
• PF / ESIC / labour law documents
• Pollution control & factory licence documents

F. Social Media and Digital Presence Information

Capital Yono may collect or review social media and digital presence information voluntarily provided by the user, such as website link, LinkedIn, Instagram, Facebook, YouTube, Google Business, X / Twitter, WhatsApp Business, marketplace profiles, public brand pages, digital reviews, online credibility indicators and founder / company digital footprint. This may be used for brand credibility assessment, investor readiness, lender perception, business validation, digital presence advisory and strategic review.

G. Daily Routine, Productivity & Time Management Information

Where voluntarily submitted for advisory purposes — daily working schedule, founder time allocation, management routine, team productivity pattern, follow-up discipline, sales / collection routine, operations monitoring, founder dependency, time leakage points and productivity bottlenecks. Used only for business diagnosis, productivity advisory, founder effectiveness, operational control and growth readiness.

H. Qualitative Business Information

• Founder vision
• Business story
• Management quality
• Promoter credibility
• Internal challenges
• Customer & vendor feedback
• Employee issues
• Market perception
• Informal risks
• Business stress points
• Decision-making habits
• Owner dependency
• Strategic goals
• Growth expectations
• Family business dynamics, succession issues
• Business culture, trust & reputation factors

I. Business Secrets, Confidential and Strategic Information

Users may voluntarily upload or disclose highly sensitive information — trade secrets, pricing strategy, customer / vendor lists, margin & costing data, internal policies & control gaps, future product / expansion / investment / acquisition plans, strategic contracts, investor discussions, insider or non-public information, tender & negotiation details, internal board-level discussions. Such information will be treated as confidential, subject to this Privacy Policy, Terms of Service, Security & Data Handling Policy, legal requirements and service delivery needs.

J. Voice, Video and Meeting Information

• Voice notes
• Audio explanations
• Video meeting recordings, where enabled
• Meeting transcripts & summaries
• Screen-share references
• Chat messages
• Advisory notes, clarifications, follow-up comments

K. Platform Usage and Technical Information

• IP address
• Device & browser type
• Login / logout time
• Approximate location
• Session information
• Page visits, button clicks
• Upload & download activity
• Payment attempt logs
• Dashboard activity & error logs
• User preferences
• Cookies and analytics identifiers

Capital Yono may use information for user registration, OTP & email verification, account creation, business profile creation, service selection, query classification, document upload & storage, AI-assisted document reading, OCR & data extraction, missing-data & contradiction detection, business / financial / credit readiness assessment, compliance gap & risk review, strategic advisory, expert review & admin validation, report drafting & approval, video consultation, payment processing & invoice generation, subscription management, customer support, grievance handling, fraud prevention, security monitoring, legal protection, internal quality review and platform improvement.

Capital Yono may use AI, OCR, document intelligence, speech-to-text, automation, analytics and workflow tools to support advisory work.

AI may help in

• Reading uploaded documents
• Classifying document types
• Extracting business & financial data
• Identifying missing documents and contradictions
• Preparing draft summaries, readiness scores & advisory drafts
• Supporting expert review
• Flagging risks and creating action points
• Preparing dashboards

Users may voluntarily provide confidential, insider, non-public, strategic or commercially sensitive information. Capital Yono may process such information only for advisory, analysis, documentation, risk review, report preparation, dashboard generation, expert validation and service delivery.

Users must not upload insider information, business secrets, confidential third-party information or non-public sensitive information unless they are lawfully authorized to do so. Capital Yono shall not be responsible for consequences arising from unauthorized disclosure or upload of confidential, insider or third-party information by the user.

The user confirms that all submitted information is true to the best of their knowledge, accurate, complete, current, lawfully shareable, properly authorized, not forged or misleading, not confidentially restricted without permission, and not in violation of any law, agreement, NDA, fiduciary obligation, employment obligation or third-party right.

Capital Yono may rely on user-submitted information. If the information is false, incomplete, delayed, inaccurate, misleading or unauthorized, Capital Yono shall not be liable for any resulting loss, rejection, liability, dispute, claim or adverse consequence.

By using Capital Yono, the user consents to collection, processing, storage, analysis, AI-assisted review, expert review, admin review and use of information as described in this Privacy Policy.

If the user uploads information of directors, promoters, partners, guarantors, employees, vendors, customers, investors, lenders, family members or third parties, the user confirms that they have lawful authority or consent to do so.

Capital Yono may share information with:

• Internal team
• Assigned experts and admin users
• Technology providers (cloud, AI/OCR, payment, email/SMS/OTP, video meeting)
• Legal, tax, financial and valuation professionals when separately engaged
• Auditors
• Regulators or government authorities where legally required
• Courts, tribunals or law enforcement where legally required
• Authorized representatives nominated by the user

Capital Yono may retain user information, documents, reports, advisory notes, invoices, payment records, communication records, audit trails and platform logs for as long as required for service delivery, client dashboard continuity, legal protection, tax & accounting records, regulatory compliance, dispute handling, fraud prevention, security monitoring, professional record keeping, audit trail preservation and internal quality control.

Deletion requests may be considered subject to legal, tax, audit, regulatory, contractual, dispute and legitimate retention requirements.

Subject to applicable law, verification and platform feasibility, users may request: access to their data, correction of inaccurate data, update of business profile, withdrawal of consent where legally permitted, account closure, deletion request, clarification on processing, copy of submitted information where feasible and grievance redressal.

Requests may be sent to connect@capitalyono.com or +91-9765016691.

Capital Yono may use cookies, pixels, analytics tools and similar technologies for login management, security, performance improvement, marketing analytics, conversion tracking, user experience improvement, dashboard functionality and fraud prevention. Users may manage cookies through browser settings, but disabling cookies may affect platform functionality.

Capital Yono may contain links to third-party websites, tools, payment gateways, banks, NBFCs, rating agencies, government portals, video tools, investor platforms or other services. Capital Yono is not responsible for third-party websites, their policies, actions, errors, downtime, security or decisions.

Capital Yono may update this Privacy Policy from time to time. Continued use of the website, dashboard or services after updates means acceptance of the revised policy.