Privacy Policy

1. Information We Collect

We collect information that is necessary for providing financial services and maintaining regulatory compliance:

• Personal Information: Name, date of birth, contact details, PAN, Aadhaar, and address
• Financial Information: Bank account details, income information, credit history
• KYC Documents: Identity proof, address proof, and photographs as per RBI KYC norms
• Transaction Data: Details of financial transactions and service usage
• Communication Records: Email correspondence, phone call records, and other communications

2. How We Use Your Information

Your information is used for the following purposes:

• Processing and servicing financial transactions
• Conducting KYC verification as per RBI guidelines
• Assessing creditworthiness and risk management
• Complying with regulatory requirements and reporting
• Preventing fraud and ensuring security
• Communicating about products, services, and account updates
• Improving our services and customer experience

3. Data Protection & Security

We implement robust security measures to protect your personal information:

• Encryption of sensitive data during transmission and storage
• Access controls limiting data access to authorized personnel only
• Regular security audits and vulnerability assessments
• Secure physical and digital storage of documents
• Employee training on data protection and confidentiality
• Compliance with RBI's Information Technology Framework

4. Information Sharing & Disclosure

We may share your information in the following circumstances:

• Regulatory Compliance: With RBI, government authorities, and regulatory bodies as required by law
• Credit Bureaus: For credit assessment and reporting purposes
• Service Providers: With trusted third-party service providers under strict confidentiality agreements
• Legal Requirements: When required by court orders, legal proceedings, or law enforcement
• Consent-Based: With other parties with your explicit consent

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal and regulatory requirements
• Maintain records as per RBI guidelines (typically 8-10 years)
• Resolve disputes and enforce agreements

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request access to your personal information we hold
• Correction: Request correction of inaccurate or incomplete data
• Withdrawal: Withdraw consent for processing (subject to legal obligations)
• Grievance: File complaints regarding privacy concerns

7. Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance user experience, analyze usage, and improve our services. You can manage cookie preferences through your browser settings.

8. Changes to Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. We will notify you of significant changes through our website or other communication channels.

9. Contact Us

For privacy-related questions, concerns, or requests, please contact: