This document is considered an electronic record as per the Information Technology Act, 2000 and related rules and amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is created by a computer system and does not require any physical or digital signatures.
By using our services, you agree that your personal information will be processed through our proprietary scoring model and our algorithm to assess your suitability for various financial products.
By sharing your personal information with us, you confirm that you are at least 18 years old and are doing so voluntarily. You can choose not to share the requested personal information with us, and you can withdraw your consent at any time by writing to us at support[at]finansh[dot]in. However, please keep in mind that if you decide not to provide us with your personal information or withdraw your consent, it may affect our ability to offer you our services, or we may have to terminate our existing relationship with you.
In compliance with the Digital Personal Data Protection Act, 2023, we retain personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. The specific retention period for different types of data is determined based on our operational requirements and legal obligations. Upon the expiry of this period, the data will be securely deleted or anonymized.
Information We Collect
We collect personal and non-personal information about you when you use our website. Personal information includes but is not limited to your name, date of birth, gender, email address, phone number, address, income, marital status, KYC information and records of your interactions with our chatbot and our representatives. Non-personal information includes your device type, IP address, browser type, location, operating system, referring URLs, and other similar information. We may also use anonymized or aggregated data for analytics, research, or other business purposes.
We also collect information about different financial products from publicly available sources for the purpose of providing a comprehensive comparison service.
Data Usage and Storage
We use third-party service providers such as chatbot services for customer interactions, database management tools and other web services. Data collected through these services may be governed by their own privacy policies and may be stored in different jurisdictions. We recommend that you review these third-party policies for more information.
Data used in our proprietary scoring model and algorithm will be retained for a period as necessary or as mandated by applicable laws.
We recognize and respect your rights as a data principal under the Digital Personal Data Protection Act, 2023. You have the right to access, correct, and delete your personal data. Requests for data access or correction can be made through our designated contact channels. For data deletion, please provide a valid reason, and we will process your request in accordance with legal requirements.
How we use your Information
We use the information we collect about you to provide and improve our website and services, communicate with you about your requests and our services, send you marketing materials and newsletters, conduct research and analysis to improve our website and services, advertise products and services of Finansh and third parties, prevent fraud and illegal activities and defend our servers against malicious attacks and also to comply with legal obligations and obligations arising out of terms and conditions.
Disclaimer: While we strive for accuracy in our advisory algorithm, the real-time lender suitability and advice provided are subject to change and may contain inaccuracies due to dynamic user profiles and internal lender policies. As our algorithm is heavily dependent on publicly available lender data, we recommend users verify all information independently. The recommendations of our algorithm are not to be construed as financial, legal, or tax advice.
Sharing of your Information
We deeply value your privacy and we do not sell customer data. However, we may collaborate with third-party service providers to help us manage and optimize our website and services. This collaboration may necessitate sharing certain personal information with these entities for operational purposes. Additionally, we may share your data with affiliates and business partners for marketing and promotional activities that align with our services.
We may be legally required to disclose your information to third parties or governmental bodies, particularly to investigate or prevent fraud and other security concerns. In such cases, we reserve the right to comply with these legal obligations.
Furthermore, if you opt to proceed with loan applications or other services, your KYC and Application documents will be shared with our partners for verification and fulfillment of your request. The necessary documents will be forwarded to the relevant Banks or Financial Institutions through our fulfillment partners.
Please note that while we strive to protect your information, we cannot guarantee the security or confidentiality of your personal information once it is shared with third parties. We strongly recommend reviewing the privacy policies of these third parties to understand how your data may be used or stored.
Security of your Information
We are committed to protecting your personal data from unauthorized access, alteration, disclosure, or destruction. We employ robust security measures, including encryption and access controls, to safeguard your data. Regular audits and updates to our security practices ensure ongoing protection in line with industry standards and legal requirements.
Your Rights and Responsibilities
You have the right to access, modify, or delete your information at any time. You can do so by contacting us at [support[at]finansh.in]. You also have the right to opt-out of receiving marketing communications from us by following the unsubscribe instructions in our emails. If you have used our services or have left comments in any part of the site, you can request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
It’s your responsibility to ensure that the personal information you provide is accurate and up-to-date. You may also be held responsible for any false information or derogatory statements you provide.
Our website is not intended for people under the age of 18, and we do not knowingly collect information from people under the age of 18.
Storage of User Data
Our company keeps records of communications such as emails and messages received and made to effectively provide services. All such records are confidential and will not be shared with any third party unless required by law. Personal information will be stored only for a reasonable period or as required by law or for improvement of our product and services. If you leave a comment or use our forum to open or reply to an existing thread, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. Website administrators can also see and edit this information. If you provide inaccurate, untrue, out-of-date, or incomplete information, we may discontinue services provided to you.
Compliance with Law