Privacy Policy
Privacy Policy
Welcome to Fin Cred Capital ("Company", "we", "our", or "us"). We value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you access our website, mobile applications, or use any of our financial services.
By using our website or submitting your information, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following categories of information:
Personal Information
- Full Name
- Date of Birth
- Mobile Number
- Email Address
- Residential Address
- PAN Card Details
- Aadhaar Number (where applicable)
- Passport Details (for NRI services)
- Photograph
- Financial Information
- Monthly Income
- Employment Details
- Business Information
- Bank Statements
- Salary Slips
- Income Tax Returns
- Credit Score
- Existing Loan Details
- Property Information
- Residential Property Details
- Commercial Property Details
- Plot Information
- Property Valuation Documents
Technical Information - IP Address
- Browser Type
- Device Information
- Operating System
- Cookies
- Website Usage Data
- Login Information
2. How We Use Your Information
Your information may be used to:
- Process loan applications.
- Verify your identity and KYC.
- Assess loan eligibility.
- Connect you with banks and NBFCs.
- Improve our services.
- Respond to customer enquiries.
- Send service updates.
- Provide customer support.
- Detect fraud.
- Comply with applicable laws.
- Conduct internal analytics and reporting.
3. Loan Processing
By submitting an application through Fin Cred Capital, you authorize us to share your information with our lending partners for:
- Home Loans
- Loan Against Property
- Business Loans
- Personal Loans
- Balance Transfer
- Home Loan Top-Up
- Plot Loan
- NRI Home Loan
- Home Repair Loan
- Other financial products
Loan approval remains solely at the discretion of the respective lender.
4. Information Sharing
We may share your information with:
- Banks
- NBFCs
- Credit Bureaus
- KYC Verification Agencies
- Legal Authorities
- Technology Service Providers
- Payment Partners
- Analytics Providers
We never sell your personal information.
5. Cookies
Our website uses cookies to:
- Improve user experience
- Remember preferences
- Analyze website traffic
- Enhance security
- Measure marketing performance
Users may disable cookies through their browser settings, although some website features may not function properly.
6. Marketing Communications
By using our services, you consent to receive communications via:
- Phone Calls
- SMS
- Push Notifications
You may opt out of promotional communications at any time. However, transactional or service-related communications may still be sent where necessary.
7. Data Security
We implement appropriate administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. While we strive to maintain robust security measures, no method of electronic transmission or storage is completely secure.
8. Data Retention
Your information is retained only for as long as necessary to:
- Provide our services.
- Meet legal and regulatory obligations.
- Resolve disputes.
- Enforce our agreements.
- Prevent fraud and misuse.
When no longer required, your information will be securely deleted or anonymized in accordance with applicable laws.
9. Third-Party Websites
Our website may contain links to third-party websites operated by banks, financial institutions, or service providers. We are not responsible for the privacy practices, content, or security of these external websites. Users are encouraged to review the privacy policies of such third parties before sharing personal information.
10. Your Rights
Subject to applicable law, you may have the right to:
- Access your personal information.
- Request correction of inaccurate information.
- Request deletion of eligible information.
- Withdraw consent where legally permitted.
- Object to certain processing activities.
- Contact us regarding privacy concerns.
11. Children's Privacy
Our services are intended only for individuals who are 18 years of age or older. We do not knowingly collect personal information from minors.
12. Confidentiality
All customer information received by Fin Cred Capital is treated as confidential. Access is limited to authorized personnel and trusted service providers who require the information to provide requested services or comply with legal obligations.
13. Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Updated versions will be published on our website with a revised Effective Date. Continued use of our services after such changes constitutes acceptance of the updated Privacy Policy.
14. Limitation of Liability
While we take reasonable measures to safeguard your information, Fin Cred Capital shall not be liable for losses resulting from circumstances beyond our reasonable control, including cyberattacks, internet failures, unauthorized third-party access, or force majeure events.
15. Governing Law
This Privacy Policy shall be governed by and interpreted in accordance with the laws of India. Any disputes arising from this Policy shall be subject to the exclusive jurisdiction of the competent courts where the registered office of Fin Cred Capital is located.
16. Contact Us
If you have any questions regarding this Privacy Policy or the handling of your personal information, please contact:
Fin Cred Capital
Email: [[email protected]]
Phone: [+91-9717986092]
Website: [www.fincredcapital.com]
By using our website and services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.