PRIVACY POLICY
Effective Date: 06th February, 2025
Last Updated: 06th February, 2025 – 05.30 PM
Welcome to Finoneeds Financial Services (“Finoneeds,” “we,” “us,” or “our”). Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our website (www.finoneeds.com & finoneeds.in) and our financial services.
1. INFORMATION WE COLLECT
We collect different types of information when you use our website or apply for our financial services. This includes:
1.1 Personal Information
- Name, contact details (email, phone number, address)
- Date of birth, nationality, and government-issued identification numbers (PAN, Aadhaar, Social Security, etc.)
- Employment details, income information, and financial history
- Banking details, account numbers, and transaction records
1.2 Non-Personal Information
- Browser type, device information, and IP address
- Website usage statistics, such as pages visited and time spent
- Cookies and tracking technologies to improve website experience
1.3 Information from Third Parties
- Credit bureaus for credit score evaluation
- Financial institutions for loan verification
- Public databases and regulatory authorities for compliance
2. HOW WE USE YOUR INFORMATION
We use the collected data for the following purposes:
2.1 Loan Processing & Financial Services
- Evaluating loan applications and determining eligibility
- Processing transactions and disbursing loan funds
- Managing loan repayments and interest calculations
2.2 Security & Fraud Prevention
- Verifying identity and preventing fraud or unauthorized access
- Conducting background checks and compliance monitoring
2.3 Customer Support & Communication
- Responding to inquiries and resolving complaints
- Sending loan-related notifications, updates, and promotional offers
2.4 Website Optimization & Marketing
- Enhancing user experience and website performance
- Personalizing financial recommendations based on user data
- Using cookies for targeted advertisements and analytics
3. SHARING OF INFORMATION
We do not sell or trade your personal information. However, we may share it with:
3.1 Third-Party Service Providers
- Credit bureaus for loan eligibility checks
- Banks and financial institutions for processing transactions
- IT service providers for website security and maintenance
3.2 Regulatory & Legal Authorities
- Government agencies for compliance with financial regulations
- Law enforcement for fraud prevention or legal investigations
3.3 Business Transfers
- In case of mergers, acquisitions, or business restructuring
4. DATA SECURITY MEASURES
We implement industry-standard security measures to protect your data, including:
- Encryption: Secure storage and transmission of sensitive information
- Access Control: Restricted access to personal data on a need-to-know basis
- Regular Audits: Routine security checks to prevent data breaches
While we strive to protect your information, we cannot guarantee absolute security due to evolving cyber threats.
5. YOUR RIGHTS & CHOICES
As a user, you have the following rights:
- Access & Review: Request a copy of your personal data
- Correction: Update incorrect or incomplete information
- Opt-Out: Unsubscribe from promotional communications
- Deletion: Request data deletion under applicable laws (subject to financial obligations)
- Restrict Processing: Limit how your data is used in certain circumstances
To exercise these rights, contact us at [Insert Contact Email].
6. COOKIES & TRACKING TECHNOLOGIES
Our website uses cookies to enhance user experience. You can:
- Accept cookies for full website functionality
- Modify browser settings to disable cookies (may limit some features)
7. THIRD-PARTY LINKS & EXTERNAL WEBSITES
Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage users to read their policies before providing any information.
8. CHILDREN’S PRIVACY
Finoneeds does not knowingly collect data from individuals under 18 years old. If we discover that a minor’s data has been unintentionally collected, we will delete it immediately.
9. CHANGES TO THIS PRIVACY POLICY
We may update this policy from time to time. Users will be notified of major changes via email or website announcements. Continued use of our services after modifications indicates acceptance of the revised policy.
10. CONTACT US
For questions, concerns, or data-related requests, contact us at:
📧 Email: [email protected]
📞 Customer Support: +91 22 6962 2998
🌐 Website: www.finoneeds.com
By using Finoneeds services, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
