Privacy Policy

Finavala India is a financial services facilitator that connects individuals and businesses with regulated banks, NBFCs, and insurers. To provide these services, we necessarily handle some of your personal and financial information.

We are committed to protecting your privacy and handling your data responsibly, in line with applicable Indian laws. By using our website or services, you agree to the collection and use of information as described in this policy.

Depending on the service you request, we may collect the following types of information:

• Identity details — your name, date of birth, and government-issued identification such as PAN and Aadhaar.
• Contact details — your phone number, email address, city, and residential or business address.
• Financial details — income information, bank statements, employment details, loan or credit history, and other documents relevant to your application.
• Enquiry details — the service you're interested in and any message or information you choose to share.
• Technical details — basic data such as your IP address, browser type, and how you use our website, collected automatically.

We collect your information in a few straightforward ways:

• Directly from you when you fill in a form, call us, message us on WhatsApp, email us, or visit our office.
• Automatically through cookies and similar technologies when you browse our website.
• From partner institutions or credit bureaus, where you have authorised such checks as part of your application.

We use your information only for legitimate purposes connected to providing our services, including:

• Assessing your profile and recommending suitable financial products.
• Processing and forwarding your application to relevant partner institutions.
• Communicating with you about your enquiry, application status, or our services.
• Meeting legal, regulatory, and compliance obligations.
• Improving our website, services, and customer experience.

We share your information only as far as necessary to deliver the service you've requested. Specifically, we may share it with:

• Partner institutions — the specific banks, NBFCs, or insurers relevant to your application.
• Service providers — trusted vendors who help us operate our business, under confidentiality obligations.
• Authorities — where required by law, regulation, court order, or to protect our legal rights.

We do not sell your personal information to unrelated third parties, and we do not share it for unrelated marketing purposes.

Our website uses cookies and similar technologies to help it function properly, remember your preferences, and understand how visitors use the site. Cookies are small files stored on your device.

You can control or disable cookies through your browser settings. Please note that disabling some cookies may affect how parts of our website work.

We take reasonable technical and organisational measures to protect your information against unauthorised access, loss, misuse, or disclosure. Access to your personal data is restricted to authorised personnel who need it to provide our services.

While we work hard to safeguard your data, no method of transmission or storage is completely secure. We cannot guarantee absolute security, but we are committed to protecting your information using industry-standard practices.

We retain your personal information only for as long as necessary to fulfil the purposes described in this policy, to provide our services, and to comply with legal, regulatory, accounting, or reporting requirements.

When your information is no longer needed, we take reasonable steps to securely delete or anonymise it.

You have certain rights regarding your personal information, subject to applicable law. These may include:

• Requesting access to the personal data we hold about you.
• Asking us to correct inaccurate or incomplete information.
• Requesting deletion of your data, where there is no legal reason for us to keep it.
• Withdrawing your consent to certain processing or communications.

To exercise any of these rights, please contact us using the details at the end of this policy. We may need to verify your identity before acting on your request.

By submitting an enquiry or sharing your details, you consent to being contacted by us and our relevant partner institutions via phone, WhatsApp, SMS, or email in connection with your request — even if your number is registered on a Do Not Disturb (DND) list.

You may opt out of promotional communications at any time by letting us know. We will, however, continue to send essential messages related to any active application or service.

Our website may contain links to third-party websites, including those of partner institutions. This Privacy Policy applies only to Finavala India. We are not responsible for the privacy practices or content of any third-party site, and we encourage you to review their privacy policies separately.

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal data, please contact us and we will take steps to delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. The revised version will be posted on this page with an updated "Last updated" date.

We encourage you to review this page periodically. Your continued use of our website or services after any change indicates your acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please reach out to us. You can also review our Terms & Conditions for more on how we work.