Privacy Policy

We collect information you provide directly and information generated when you use our website and services:

• Identity & contact data: name, date of birth, gender, email, phone number, and residential/office address.
• KYC & financial data required by lenders: PAN, Aadhaar (as permitted by law), employment and income details, salary slips, ITRs, bank statements, GST returns, and existing loan/EMI obligations.
• Loan/insurance requirement data: product type, amount, tenure and purpose.
• Technical & usage data: IP address, device and browser type, pages visited and interactions, collected via cookies and similar technologies.

We process your personal data for the following purposes:

• To assess indicative eligibility and match you with suitable loan and insurance offers across our partner banks and NBFCs.
• To submit and follow up on your application with the lender(s) you choose.
• To communicate with you about your enquiry, application status, and support requests.
• To improve our website, services and customer experience.
• To comply with legal, regulatory, audit and record-keeping obligations, and to prevent fraud.

We process your personal data based on the consent you provide when you submit an enquiry or application, and, where applicable, for legitimate uses and legal compliance recognised under the DPDP Act. You may withdraw consent at any time (see 'Your rights'), though this may prevent us from providing certain services.

We share your data only as necessary to provide our services:

• With partner banks, NBFCs and insurers you choose to apply with, so they can evaluate and process your application under their own policies and privacy terms.
• With service providers (for example, technology, cloud hosting, KYC verification and communication providers) who act on our instructions under confidentiality obligations.
• With regulators, courts or authorities where required by law.
• We do not sell your personal data, and we do not share it for third-party advertising.

Our website uses essential cookies to function and analytics cookies to understand usage. You can control cookies through your browser settings; disabling some cookies may affect site functionality.

We use reasonable technical and organisational measures - including access controls, encryption in transit, and least-privilege practices - to protect your data against unauthorised access, alteration, disclosure or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We retain personal data only as long as necessary for the purposes described here or as required by applicable law, regulatory guidance, and audit requirements. When data is no longer needed, we delete or anonymise it.

Subject to applicable law, you may:

• Access and request a summary of the personal data we hold about you.
• Request correction or updating of inaccurate or incomplete data.
• Request erasure of your data, subject to legal retention requirements.
• Withdraw consent to processing.
• Nominate another individual to exercise your rights in the event of death or incapacity, as provided under the DPDP Act.

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal data of children without verifiable parental or guardian consent as required by law.

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the 'Last updated' date above. Continued use of our services after changes take effect constitutes acceptance.

For any privacy questions, or to exercise your rights, contact our Data Protection point of contact at support@finurgecapital.com. For complaints, see our Grievance Redressal policy.