Privacy Policy

FinCrif India Limited Liability Company. (hereinafter “ or we/our, including and the fincrif mobile application”) recognizes the importance of privacy.This privacy policy (hereinafter referred to as the “Policy”) therefore explains how we protect the personal data provided to us on our website (hereinafter referred to as the “Site”) or via the mobile application and how this information is part of a service offered through the Website (hereinafter referred to as the "Service").fincrif is committed to maintaining the confidentiality, integrity and security of all information from our users.

fincrif is an independent professional services provider and is in no way affiliated with any government or governmental agency, regulator or credit reporting agency. The information contained on this website does not guarantee the correctness of the content, details and calculations. Information is subject to change without notice.

This notice has been issued and is to be construed in accordance with the provisions of the Information Technology Principles (Reasonable Security Practices and Procedures and Sensitive Personal Information) 2011 under the Information Technology Act 2000 and other applicable laws and regulations requiring disclosure of privacy practices in the collection, use, retention, disclosure and transmission of sensitive personal data or information.

This policy does not apply to the practices of companies that does not own or control or to people that does not employ or manage.

Please see below for details on what type of information we may collect from you, how that information is used in connection with the Services offered through our Site and other shared with our business partners. This Privacy Policy applies to current and former visitors to our Site and to our online customers.By visiting and/or using our website, you agree to this privacy policy, to allow our partner banks/NBFCs and advertisers to call/text/email you, offer you their services in the area of ​​the product you have chosen, provide information about products, offer promotions on Offers & related offers from third parties; when you subscribe to the DND (Do Not Disturb) or DNC (Do Not Call ) service, You authorize us to receive your call/text/email on & Partnering with banks/NBFCs and advertisers for the above purposes even if you have selected the DND or DNC option. Persons who store personal data: Your personal data is stored and collected by or via mobile application with parent company fincrif India Private Limited which owns Some features of this website or our services require the provision of personal information, which is provided in the "Your Account" section of our website.

Use of Information

fincrif collects your information when you register for an account, when you use its products or services, visit its Website’s pages. When you register with the Website and sign in you are not anonymous to us. Also, you are asked for your contact number and other details during registration and may be sent SMS, electronic mails (“e-mails”) , notifications, Whatsapp messages about our services to your wireless device.

To establish identity and assess applications; Monitor, improve and administer our Website; Design and offer customized products and services offered by our third party partners, manage our risks including the risk of fraud that may be committed against Us or our partners; Analyze how the Website is used, diagnose service or technical problems and maintain security; Send communications notifications, information regarding the products or services requested by You or process queries and applications that You have made on the Website; Manage Our relationship with You and provide You with or inform You about other products or services We think you might find of some use; Conduct data analysis in order to improve the Services provided to the User; Use the User information in order to comply with country laws and regulations; To conduct KYC for our third party partners based on the information shared by the User for the provision of Services. This would include conducting analysis of Your bank statements and eKYC.fincrif can perform KYC directly or through third parties with its customers. In the event that the KYC as described in this clause is performed by third parties, fincrif will share your relevant information with those third parties in order to use those services; We may also use other technologies to track how you interact with the Site and engage certain third party agencies to use the data on our behalf to analyze data to determine how you use the site.

Collection of Information

Personal Information

When you use the Website or Mobile App to apply for a loan, we collect information about you that can be used to uniquely identify or contact you, such as: B. But not limited to: Name, City, Address, Date, Birth Certificate, Aadhar Information (optional), Contact Information, Billing Information, Marital Status, PAN Number, Name of Bank where you have your main account, Bank Statements, Payslips, Income information and expenses obtained through bank SMS scraping and integration with our service provider, other KYC documents, etc.; Your employment details, including years of experience, income details, name of your current employer, office address, details of the years/months you worked at your current employer; Information about your tax return; Credit information collected from other sources such as the Equifax credit reporting agency; transaction history information, such as B. Expense data, call history, contact list and other related information through our mobile application; Your unique identifiers such as username and password, preference information and transaction history; personal identification numbers, passcode numbers, bank account numbers, time zone, zip code, country, state, city, email address, date of birth and gender, and other similar electronic data.

Non Personal Information

We collect information such as internet domain and host names, internet protocol (IP) addresses, browser software, operating system types, click patterns, and the date and time you access the website. (Uses – marketing, remarketing, web analytics to improve customer experience, as well as advertising social media data information collected via Facebook, Twitter, Linkedin or other social accounts from users who have logged into the account on the website and/ or in the App We may receive your Personal Information from those social media sites/apps in accordance with the privacy policies of those sites/apps App to your username, profile picture, email address associated with that particular website/app Address, any information you have published in connection with this website/application and/or any information or content that is the social media website/application may be restricted by accessing or connecting to the website via a Social media website/application, you authorize us to collect, store, use and archive such information and content in accordance with this policy.

RETENTION OF YOUR DATA: will retain your information for as long as necessary to provide the services available through the website/mobile application or your request to delete your account, whichever is later. After closing your account, may continue to use your anonymized data in aggregate form or in combination with other users' anonymized data.We use this aggregated anonymous data for data analysis, profiling and research purposes, for example to better understand our users and their profiles. We may store your contact details and complaints details (if applicable) for the purpose of fraud prevention and to exercise/defend legal claims or to provide evidence in connection with a legal proceeding.

Compensation Officer

Updates to this Policy

This Privacy Policy was last updated on 4/14/2023.We may change our privacy practices from time to time. We will notify you of any material changes to this policy as required by law. We will also post an updated copy on our website. Please check our website regularly for updates.