Privacy Policy

Introduction And Summary

We are committed to protecting your privacy, whether you are a current or a former user of our platform, and we appreciate your trust. This Policy describes how we treat user information we collect on http://www.finplex.in, any mobile app or other offline sources ("Sites"). The Sites are owned and managed by Finplex Technologies Private Limited ("Finplex", "we", "us" or "our"), a company registered under the Companies Act 2013 having its registered office at Ground Floor, Plot no 7 , Institutional Area, Vasant Kunj, New Delhi-110070 . By visiting and/or using our Sites, or accessing our services through any other means, you agree to be bound by this Privacy Policy so, if you do not, you must immediately cease the use of our Sites and any services provided by us. We will amend this Privacy Policy from time to time to comply with applicable laws and regulations or to meet our changing business needs. You are requested to review this Privacy Policy from time- to-time.

How We Collect Information

If you engage with us in any way, we may collect information about you and, if applicable, about your business, your partners, beneficial owners, directors, any guarantors etc., through:

• Our website, any mobile application and through our application processes.

• Communications with you - telephonic communications, written communications (email or physical).

• Information provided to us on your behalf by your representatives or agents.

• Information through engagement on social media, blogs, forums etc.,

We also collection information, including personal information, from third-party sources, in order to provide you our services. This includes:

• Information from credit bureaux, GST Suvidha provider, verification agencies, fraud prevention agencies, insolvency practitioners etc.,

• Marketing databases and other sources of commercial data.

• Other publicly available information.

What Information We Collect

If you engage with us, we may need the following information about you (and where applicable, your partners, directors, shareholders, guarantors, advisors and any business associates and representatives):

• Personally Identifiable Information ("PII"), including your personal details and KYC information such as name, date of birth, Permanent Account Number ("PAN"), Aadhar, current and previous addresses, your education and career history, family details, contact information including your telephone numbers, current and previous addresses, your email addresses, fax etc.,

• Financial Information, including your bank statements, financial statements, Income Tax details, GST Information, Credit history and reports, your assets and spending habits etc.,

• Other information, including, but not limited to, your suggestions, feedback or any comments shared on our website or on other forums, websites, by email or telephone etc.,

• We may also collect information related to your interaction with our website and platform, including information such as your IP address, location, operating system, browser type, details of the activities performed by you on our website etc., Like many commercial websites, we use "Cookies", a small file that is downloaded on your device. Cookies allow our web servers to recognise you each time you visit and log information about the pages you visit, the time spent on each page, websites visited before and after your visit to our website etc., Cookies also help in verifying your login credentials, so that you don't have to input them multiple times. This information is collected on an aggregate basis and is not personally linked to you. You are free to disable or delete cookies by changing your browser settings.

• All personal information provided to us shall be used in the manner stipulated under the Information technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and any other data protection law in force in India from time to time.

Sharing And Disclosing Information

We may share your data

• With our companies in our group and our affiliates.

• Our third-party service providers, suppliers, contractors, any sub-contractors, partners, representatives, agents and other such third parties.

• With other registered members of our platform, including with banks and NBFCs with whom we have an arrangement to provide services to you.

• With credit reference and fraud prevention agencies.

• To a third party, if it acquires, or is in discussions to acquire, all or part of our business or assets.

• If you are represented by an agent, to your agent.

• As required, in our good-faith belief, by any applicable law or regulation.

• With any other person with your prior consent, express or implied, to do so.

You provide your consent for the disclosure of information to us or to any third party and it is hereby expressly declared that we shall not be responsible for use of your personal information by any third party.

Use Of Information

The information shall be used for:

• Providing services and any service-related activities and for service-improvements.

• Marketing new products and services by Finplex or any of its affiliates, service partners or third parties or contact you about products and services that may interest you.

• Develop and improve our services, products and business, including analysing and improving our credit analysis models and customer offerings, conduct market research and testing.

• To carry out mandatory or other regulatory checks and comply with our legal and regulatory obligations.

• For prevention and detection of fraud, money laundering or other such activities.

Questions, Complaints Or Concerns

If you have any questions, concerns or complaints about our Privacy Policy, or other policies, please email our Grievance Officer, Mr. Davender Ahuja, at grievance@finplex.in.