🔒 Privacy Policy – Detailed Word Compliance Document

Last Updated:

At Finease.in, your privacy is our top priority. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our loan calculators and services. We comply with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDPA).

1. Information We Collect

Personal Data: Name, email address, phone number, Aadhar (only for KYC verification), PAN, date of birth, and financial information (income, loan amounts). Usage Data: IP address, browser type, pages visited, time spent, and referring URLs. Cookies & Tracking: We use Google Analytics and advertising cookies to improve user experience. You may opt out via browser settings.

2. How We Use Your Information

• To provide loan eligibility checks, EMI calculations, and insurance comparisons.
• To communicate with you about your requests, updates, and promotional offers (with consent).
• To improve our website functionality and personalize content.
• To detect and prevent fraud, security incidents, and illegal activities.
• To comply with legal obligations (RBI, SEBI, EPFO).

3. Legal Basis for Processing (GDPR & DPDPA)

We process your personal data based on: (a) your consent (when you check “I agree”), (b) contractual necessity (to provide loan services), (c) legal compliance, and (d) legitimate interests (analytics, security).

4. Data Sharing and Disclosure

We do not sell your personal data. We may share data with: (a) Service providers (cloud hosting, payment gateways, SMS providers) under strict confidentiality agreements. (b) Lenders and financial institutions when you apply for a loan. (c) Government authorities if required by law. (d) Analytics partners (Google, Meta) in aggregated, anonymized form.

5. Data Retention

We retain personal data for as long as necessary to fulfill the purposes outlined in this policy, or as required by law (e.g., financial records for 8 years). You may request deletion of your account at any time.

6. Your Rights (Under DPDPA 2023)

• Right to Access: Obtain confirmation of whether your data is processed and request a copy.
• Right to Correction: Rectify inaccurate or incomplete data.
• Right to Erasure: Request deletion of your data (subject to legal retention).
• Right to Restrict Processing: Limit how we use your data.
• Right to Data Portability: Receive your data in a machine‑readable format.
• Right to Withdraw Consent: At any time, without affecting previous processing.

To exercise these rights, email us at privacy@Finease.in.

7. Security Measures

We use SSL encryption (TLS 1.3), firewalls, intrusion detection systems, and regular security audits. Our servers are hosted on ISO 27001 certified cloud providers. Access to personal data is restricted to authorised employees only, who undergo background checks and sign confidentiality agreements.

8. Cookies Policy

We use essential cookies (for site functionality), performance cookies (Google Analytics), and targeting cookies (advertising). You can manage cookie preferences via our cookie banner or browser settings. Third‑party cookies (e.g., from Google AdSense) are governed by their respective privacy policies.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect data from minors. If you believe a child has provided us with personal information, please contact us, and we will delete it.

10. Changes to This Privacy Policy

We may update this policy periodically. The “Last Updated” date will reflect changes. Significant changes will be notified via email or website banner.

11. Contact Us

For privacy concerns, data requests, or complaints, please write to: Data Protection Officer, Finease.in, support@Finease.in. We will respond within 30 days.

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