Legal
Privacy Policy
Fintop Loan, a brand operated by Fintop Financial Services, respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you visit or use fintoploan.com and any related services. By accessing or using our Website or submitting your information to us, you acknowledge that you have read and understood this Privacy Policy.
1. Information We Collect
Personal Information
- Full name
- Mobile number
- Email address
- Residential or correspondence address
- Date of birth
- Gender, where required
Financial and Employment Information
Where relevant to a loan enquiry or application, we may collect:
- Employment or occupation details
- Monthly income and expenses
- Bank account or payment-related information
- Credit-related information
- Loan amount and tenure preferences
Device and Technical Information
When you use our Website, we may automatically collect IP address, browser type, operating system, device type, pages visited, date and time of visits, and referring website or source.
Communication Information
We may collect information you provide when contacting us through email, telephone, online forms, chat, WhatsApp, or other communication channels.
2. How We Collect Information
We may collect information directly from you when you submit a form or application; when you contact our support team; automatically through cookies and similar technologies; from service providers assisting us; and from lenders, financial institutions, credit information companies, or other authorised parties where legally permitted.
3. How We Use Your Information
We may use your information to:
- Process and respond to your loan enquiry or application
- Assess your eligibility for financial products
- Connect you with relevant lenders or financial service providers
- Verify your identity and information
- Conduct credit and fraud checks where legally permitted
- Provide customer support and facilitate financial services
- Comply with applicable laws and regulatory requirements
- Prevent fraud, misuse, and security incidents
- Improve our Website and services
- Send service-related and promotional communications where permitted
4. Loan Applications and Financial Services
Fintop Loan may facilitate access to loan and financial-product information and may act as a platform, intermediary, referral service, lending service provider, or other service provider. Fintop Loan is not necessarily the lender for every financial product displayed or facilitated through the Website. Where your enquiry is forwarded to a lender or partner, your information may also be processed by that party according to its own privacy policy.
5. Sharing of Personal Information
We may share your information, where necessary and legally permitted, with:
- Lending partners and financial institutions
- Banks, NBFCs, and other regulated entities
- Credit information companies and credit-reporting agencies
- Identity verification and KYC service providers
- Technology, hosting, cloud, analytics, and customer-support providers
- Government authorities, regulators, courts, and law-enforcement agencies where required by law
We do not sell your personal information as a standalone commercial product.
6. Cookies and Similar Technologies
Our Website may use cookies, pixels, web beacons, and analytics tools to keep the Website functioning properly, remember preferences, understand traffic and usage, improve performance, and detect security issues. You may control or disable cookies through your browser settings. Disabling certain cookies may affect Website functionality.
7. Data Security
We take reasonable technical, organisational, and administrative measures to protect your personal information against unauthorised access, alteration, disclosure, loss, misuse, or destruction. However, no electronic transmission or storage system can be guaranteed to be completely secure.
8. Data Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, maintaining records, resolving disputes, preventing fraud, and complying with applicable legal and regulatory requirements.
9. Your Rights
Subject to applicable law, you may have the right to:
- Request access to personal information held about you
- Request correction of inaccurate information
- Request deletion of information where legally applicable
- Withdraw consent where processing is based on consent
- Raise a privacy-related concern or grievance
You may submit requests by contacting us at [email protected]. We may need to verify your identity before processing certain requests.
10. Children's Privacy
Our Website and services are not intended for children or persons who are not legally capable of entering into applicable financial or service agreements. We do not knowingly collect personal information from children. If you believe that a child has provided personal information to us, please contact us so that we can take appropriate action.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or business practices. When changes are made, we may update the Last Updated date at the top of this page. We encourage you to review this Privacy Policy periodically.
12. Applicable Laws
This Privacy Policy is intended to operate in accordance with applicable laws and regulations of India, including applicable data-protection, information-technology, consumer-protection, and financial-sector requirements.
13. Contact Us
If you have questions about this Privacy Policy, wish to exercise an applicable privacy right, or have a privacy-related concern, please contact us:
14. Grievance and Privacy Complaints
If you have any concern regarding the collection, use, disclosure, or handling of your personal information by Fintop Loan, you may contact us at [email protected]. We will review and respond to privacy-related complaints in accordance with applicable laws and our internal procedures.