Finnect Capital Private Limited ("we", "us", "our") is committed to protecting your Sensitive Personal Data or Information (SPDI). This Privacy Policy explains how we collect, process, share, and protect your data in compliance with the Information Technology Act, 2000, and the Digital Personal Data Protection Act (DPDP Act) of India.

1. Data Fiduciary Identity

Finnect Capital Private Limited acts as the Data Fiduciary for the personal details you provide. Our registered corporate address is 180, Siddhi Sadan, Tikekar Road, Dhantoli, Nagpur 440012.

2. Types of Personal Data We Collect

To facilitate financial distribution and loan processing services, we collect:

• Identity & KYC Data: Full name, date of birth, PAN Card, Aadhaar Number, Voter ID, and passport-size photographs.
• Contact Data: Mobile phone number, email address, current residential address, and permanent address.
• Financial & Income Records: Salary slips, Income Tax Returns (ITR), bank statements, employment details, and credit history details.

3. Consent & Lawful Basis

We process your personal data on the basis of your consent under the Digital Personal Data Protection Act, 2023 (DPDP Act). By submitting your details through our forms, calls or documents, you give free, specific, informed and unambiguous consent for us to collect and process your data, including sensitive financial information such as your PAN, Aadhaar number, income documents, bank statements and credit information, solely for the specified purposes below. You may withdraw this consent at any time (see Section 6), and we will provide a plain-language notice of what we collect and why at or before the point of collection.

4. Purpose of Data Collection & Sharing

Your data is collected and processed only for these specified purposes: (a) assessing your eligibility for financial products, (b) pulling credit information from authorized bureaus where you consent, and (c) securely forwarding your application to our partner RBI-registered Banks and NBFCs. We share your records only with those designated partner Banks, NBFCs, authorized Credit Bureaus or regulated Account Aggregators required to fulfil your borrowing request. We do not sell your data, and we do not share it with third-party telemarketers. All external transfers are made over secure, encrypted channels.

5. Data Retention Periods

We keep your personal data only for as long as necessary for the purposes above and to meet applicable legal, tax and regulatory obligations:

• Enquiries that do not proceed / are withdrawn: identifying data is deleted or anonymised within 6 months of the enquiry becoming inactive.
• Applications facilitated to a lender: records are retained for up to 8 years after the end of the relationship, in line with financial record-keeping and audit requirements, after which they are securely deleted or anonymised.
• KYC documents (PAN / Aadhaar / income proofs): retained only for the period the law requires and then destroyed. We do not retain Aadhaar beyond what is permitted.

6. Your Rights as a Data Principal & How to Exercise Them

Under the DPDP Act you have clear, enforceable rights: the right to access a summary of the data we hold, the right to correction of inaccurate data, the right to erasure of your data once the purpose is fulfilled, the right to withdraw consent at any time, and the right to grievance redressal.

To exercise any right, including erasure: email our Grievance Officer at kshitijsisodiya8@gmail.com with the request and the mobile/email you registered with. We will verify your identity, act on your request and respond within 30 days. On erasure or withdrawal of consent we will stop processing and delete your data, except where we are legally required to retain certain records (see Section 5), and doing so may mean we can no longer support your application.

7. Grievance Redressal & Contact

Any complaint, data discrepancy or request may be directed to our designated Grievance Redressal Officer. A dedicated Grievance Redressal page sets out our full escalation process.

8. Cookies

Our website uses a small number of cookies and similar technologies to keep the site working and to understand how it is used. When you first visit, we ask for your choice through a cookie banner; you can accept all cookies or continue with only those strictly necessary for the site to function. You can change your choice at any time by clearing your browser's site data.