Privacy Policy

1. Overview

Finseich Financial Services Private Limited ("Finseich", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.finseich.com, use our mobile application, or interact with our services.

Please read this policy carefully. If you disagree with its terms, please discontinue use of our site. This policy applies to all visitors, users, and customers of Finseich.

2. Information We Collect

2.1 Information You Provide

We collect personal information that you voluntarily provide when you:

• Fill out loan or insurance application forms (name, contact, income, employment details)
• Register as a DSA partner (PAN, Aadhaar, bank details)
• Check your CIBIL score (PAN number, date of birth)
• Contact us through our website or toll-free number
• Subscribe to our newsletter or blog updates

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

• IP address, browser type, operating system, and device information
• Pages visited, time spent, links clicked, and referring URLs
• Cookie data and similar tracking technologies (see Section 6)

2.3 Financial Information

To process loan applications and match you with lenders, we collect income details, employment history, outstanding loans, and bank account information. This data is encrypted and shared only with your consent.

3. How We Use Your Information

We use the information collected for the following purposes:

• Processing loan and insurance applications and matching you with suitable lenders or insurers
• Verifying your identity and conducting KYC as required by law
• Communicating about your application status, offers, and updates
• Improving our website, services, and customer experience
• Sending promotional communications (only with your consent)
• Complying with legal obligations under the IT Act, RBI guidelines, and IRDAI regulations
• Detecting and preventing fraud, money laundering, and other illegal activities
• Managing our DSA partner network and commission payouts

4. Sharing of Information

We do not sell or rent your personal data. We may share your information in the following circumstances:

• Lender Partners: With banks and NBFCs (with your consent) to process loan applications.
• Insurance Partners: With IRDAI-registered insurers to provide quotes and process policies.
• Credit Bureaus: With CIBIL, Experian, Equifax, or CRIF for credit score checks.
• Service Providers: With third-party vendors (IT, analytics, payment processing) under strict data agreements.
• Legal Obligations: With government authorities when required by law, court order, or regulatory compliance.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred.

5. Data Security

We implement industry-standard security measures to protect your personal information:

• 256-bit SSL encryption for all data transmitted through our website
• Secure, access-controlled servers with restricted employee access
• Regular security audits and penetration testing
• Two-factor authentication for internal systems
• Compliance with ISO 27001 information security standards

While we strive to protect your data, no electronic transmission over the internet is 100% secure. We encourage you to use strong passwords and not share login credentials.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience. Cookies are small data files stored on your device.

Types of Cookies We Use

• Essential Cookies: Required for website functionality (session management, security). Cannot be disabled.
• Analytics Cookies: Google Analytics and similar tools to understand website usage and improve our content.
• Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness.
• Preference Cookies: Remember your settings and preferences for a better experience.

You can manage or disable cookies through your browser settings. Note that disabling certain cookies may impact website functionality.

7. Your Rights

Under applicable Indian privacy laws and best practices, you have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your data (subject to legal retention requirements).
• Opt-Out: Unsubscribe from marketing communications at any time via the unsubscribe link in emails.
• Withdraw Consent: Withdraw consent for data processing where consent is the legal basis.
• Portability: Request your data in a machine-readable format.

To exercise any of these rights, email us at privacy@finseich.com. We will respond within 30 days.

8. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes outlined in this policy, or as required by law:

• Loan application data: 7 years from the date of application (RBI guidelines)
• KYC documents: 5 years from the end of the business relationship (PMLA requirements)
• DSA partner records: Duration of the partnership + 5 years
• Marketing data: Until you opt out, then deleted within 30 days
• Website analytics: 26 months (Google Analytics default)

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@finseich.com and we will delete such information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the new policy with an updated "Last Updated" date on this page
• Sending an email notification to registered users for significant changes
• Displaying a prominent notice on our website for 30 days after changes take effect

Your continued use of our services after the effective date constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Protection Officer: