Privacy Policy

Last Updated: January 2026

At DigiFinSrv, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

1. Information We Collect

1.1 Personal Information

When you use our services or submit a loan application, we may collect the following personal information:

• Contact Information: Name, phone number, email address, residential address
• Identity Information: Date of birth, PAN card, Aadhaar card, passport details
• Financial Information: Income details, employment information, bank account details, existing loans and credit obligations
• Loan Details: Loan amount, loan type, loan purpose, property details (for home/mortgage loans)
• Documents: Salary slips, bank statements, ITR, business documents, property papers

1.2 Automatically Collected Information

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent on pages, navigation patterns
• Cookies: Small data files stored on your device (see Cookie Policy below)
• Location Data: General geographic location based on IP address

2. How We Use Your Information

We use the collected information for the following purposes:

2.1 Loan Processing

• Processing and evaluating your loan application
• Sharing your application with appropriate lenders
• Facilitating communication between you and lenders
• Verifying your identity and information
• Assessing your loan eligibility

2.2 Service Improvement

• Improving our website and services
• Understanding user preferences and behavior
• Developing new products and features
• Conducting analytics and research

2.3 Communication

• Responding to your inquiries and requests
• Sending loan status updates
• Providing customer support
• Sending promotional offers and updates (with your consent)
• Sending important notices and alerts

2.4 Legal and Security

• Complying with legal obligations
• Preventing fraud and unauthorized access
• Enforcing our terms and conditions
• Protecting our rights and interests

3. Information Sharing and Disclosure

3.1 Sharing with Lenders

We share your information with banks and financial institutions (our lending partners) to facilitate your loan application. By submitting your application, you explicitly consent to this sharing.

3.2 Third-Party Service Providers

We may share your information with trusted third parties who assist us in:

• Credit verification and background checks
• Document verification services
• IT and technology services
• Marketing and analytics services
• Payment processing

3.3 Legal Requirements

We may disclose your information if required by law or in response to:

• Court orders or legal processes
• Government or regulatory requests
• Law enforcement agencies
• Prevention of fraud or illegal activities

3.4 Business Transfers

In the event of a merger, acquisition, or sale of our business, your information may be transferred to the new entity.

3.5 What We Don't Do

We will never:

• Sell your personal information to third parties for marketing purposes
• Share your information with unauthorized parties
• Use your information for purposes not disclosed in this policy

4. Data Security

4.1 Our Security Measures

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

• Encryption: SSL/TLS encryption for data transmission
• Access Controls: Restricted access to personal information
• Secure Storage: Protected servers and databases
• Regular Audits: Security assessments and updates
• Employee Training: Staff trained on data protection

4.2 Your Responsibility

You are responsible for:

• Maintaining the confidentiality of your account credentials
• Using secure internet connections
• Notifying us of any security breaches
• Keeping your contact information updated

4.3 Data Breach Notification

In the unlikely event of a data breach, we will notify affected users and relevant authorities as required by law.

5. Cookie Policy

5.1 What Are Cookies?

Cookies are small text files stored on your device that help us provide and improve our services.

5.2 Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand user behavior (Google Analytics)
• Functional Cookies: Remember your preferences
• Marketing Cookies: Used for personalized advertising (with consent)

5.3 Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

6. Your Rights and Choices

6.1 Access and Correction

You have the right to:

• Access your personal information
• Request corrections to inaccurate data
• Update your information

6.2 Opt-Out Rights

You can opt out of:

• Marketing Communications: Unsubscribe from promotional emails and SMS
• Cookies: Disable cookies through browser settings
• Data Sharing: Withdraw consent for certain data sharing (may affect service delivery)

6.3 Data Deletion

You may request deletion of your personal information, subject to:

• Legal retention requirements
• Ongoing loan applications
• Contractual obligations
• Legitimate business interests

6.4 Withdrawal of Consent

You may withdraw your consent for data processing at any time. However, this may affect our ability to provide services to you.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide services to you
• Comply with legal obligations (typically 5-7 years for financial records)
• Resolve disputes and enforce agreements
• Maintain records for audit purposes

After the retention period, we will securely delete or anonymize your information.

8. Third-Party Links

Our website may contain links to third-party websites (such as lender portals or social media). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

10. International Data Transfers

Your information is primarily stored and processed in India. If your information is transferred internationally, we ensure appropriate safeguards are in place to protect your data.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes through:

• Website notification
• Email communication
• Updated "Last Updated" date

Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

12. Compliance with Laws

We comply with applicable data protection laws, including:

• Information Technology Act, 2000 (India)
• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
• Reserve Bank of India guidelines

13. Contact Us

For questions, concerns, or requests regarding your privacy or this Privacy Policy, please contact us: