Privacy Policy

Management of Personal Information

Your personal information, including sensitive personal data, is collected and stored in India by FinFiber and its parent company.

This information may be processed by the Company, along with its authorized representatives, affiliates, and trusted business partners, only for providing services related to loans and credit cards, and strictly on a need-to-know basis.

The Company ensures that your information is used only for legitimate business purposes and is not shared beyond what is necessary to provide these services.

What Personal Information We Collect

The information we collect helps us improve your experience and provide better services related to loans and credit cards.

We may collect and store the information that you provide on our website or share with us in any other way, depending on the service you choose. This may include personal details such as your first name, last name, email address, date of birth, city of residence, and other relevant information required by us or our trusted business partners.

If you choose not to provide certain information, you may not be able to access or use some of our services, features, or offerings.

We do not collect or store any biometric information.

We may also receive information about you from other sources and add it to the information available in your account, in order to provide and improve our services.

Use of Cookies

We may collect certain types of information automatically when you interact with our website. This may happen when your web browser accesses our website or views our content on other platforms.

Cookies are small data files stored on your device that help us understand user behavior and improve your experience. We may use both session cookies (which are deleted when you close your browser) and persistent cookies (which remain on your device for a longer period).

These cookies may help us remember your preferences, improve website performance, and make our services related to loans and credit cards more efficient.

Most web browsers allow you to control cookies through their settings. You can choose to block, delete, or receive alerts about cookies. However, if you disable cookies, some features of the website may not function properly, and you may not be able to access certain services.

How We Use Your Information

FinFiber collects your information when you create an account, use our services and products, or interact with finfiber.com.

During registration or while using the platform, you provide details such as your name, contact number, email address, date of birth, and location. Once you sign in, your identity is associated with your account.

When you share your contact details, FinFiber uses them to send important information such as account updates, service-related messages, and relevant offers through SMS, email, or other communication channels. This communication continues until you choose to opt out or deactivate your account.

If you upload documents on finfiber.com, access to file storage on your device is used only for selecting and submitting documents required for processing your applications through our partners.

Purpose of Collecting and Using Information

• We use your information to provide and support our services and products, including processing your requests and applications through finfiber.com and its partners.
• Your information is used to communicate with you, respond to your queries, and resolve any issues related to the services provided.
• Your contact details are used to send you important updates, service-related messages, and information about offers, new features, or services — including offers from FinFiber as well as from its trusted partners.
• Access to file storage on your device is used only when you choose to upload documents required for processing your applications through our partners.
• Your information is used to manage service operations, maintain records, and fulfill necessary responsibilities with partners.
• We use your data for internal analysis to understand user behavior and improve the performance, functionality, and user experience of finfiber.com.
• Your information helps us detect, prevent, and address fraud, misuse, or unauthorized activities on the platform.
• We may share necessary information with trusted third parties who perform technical, operational, or support services on our behalf.
• We may combine the information you provide with information received from third-party sources to improve accuracy and offer better services.
• Your contact details may also be used to send important notices, account updates, and to request feedback or reviews.
• Some features of finfiber.com require you to provide personal information. If you choose not to provide such information, certain services or features may not be available to you.
• All use of your information is carried out as described in this Privacy Policy and in accordance with applicable laws.

Disclosure of Information to Third Parties

FinFiber does not sell, rent, or share your personal information for commercial purposes in a way that goes against this Privacy Policy.

However, your information may be shared with trusted third parties such as business partners (including banks, NBFCs, and other service providers), affiliates, and credit information companies, only for the purposes described in this Privacy Policy.

These third parties are required to handle your information with proper care, confidentiality, and security. Any use or processing of your information by them is done based on agreed terms, your consent, and applicable requirements.

FinFiber may also share or transfer your information to another entity in case of business changes such as a merger, acquisition, restructuring, or sale of business, where such entity takes over the operations.

We share only the minimum information required for providing our services. In certain cases, your data may be converted into anonymous or aggregated form, which means it cannot be used to identify you personally.

Access to your personal information is limited and controlled. It is used only for the purposes mentioned in this Privacy Policy, including improving, operating, and maintaining our services.

We may also work with third-party service providers to support technical, operational, or service-related functions. These parties are required to keep your information confidential and use it only for the agreed purpose.

FinFiber may share your information with government authorities or regulatory bodies, without prior notice to you, when required under applicable laws for purposes such as identity verification, investigation, fraud prevention, or legal compliance.

FinFiber may offer access to services or products provided by third-party providers. If you choose to apply for or use such services, your information will be shared with those providers as required. Once shared, it will be handled according to the privacy policy of that third party. FinFiber does not control and is not responsible for how these third parties use or manage your information.

Data Storage and Retention

FinFiber stores your personal information securely on servers located within India, with appropriate safeguards to protect your data.

Your personal information is retained for as long as required to provide our services and products, manage your account, and support your service requests. This includes the entire duration of your active relationship with FinFiber, and for a reasonable period after that.

If you withdraw your consent or stop using our services, we will stop using your information for active purposes. However, we may continue to retain certain information where it is required for business, legal, or regulatory reasons.

Your information may be retained for a longer period in the following situations:

• To comply with legal obligations, regulatory requirements, or requests from authorities
• For handling disputes, investigations, or legal proceedings before courts, tribunals, or similar bodies
• To meet obligations under agreements with our partners
• To improve, develop, and protect our services and platform

FinFiber may retain your credit-related information, including credit reports and credit scores obtained from credit bureaus, for a period of up to 6 months, or until the purpose for which it was collected is fulfilled, or until you withdraw your consent, whichever is earlier.

For services related to digital lending, your information may be retained for up to 8 years (96 months) from your most recent interaction with finfiber.com.

All information is stored and retained in accordance with this Privacy Policy and applicable requirements.

Your Control Over Your Personal Information

FinFiber believes that you should have control over how your personal information is collected, used, and shared.

You can choose what personal information you want to share with us, including sensitive information such as financial details. You also have the option to limit or restrict the sharing of your information with third parties.

If you choose not to provide required or mandatory information, FinFiber may not be able to process your requests or provide the services you have selected.

You have full control over the communication you receive from us. If you do not wish to receive marketing or promotional messages through email or SMS, you can opt out at any time by using the unsubscribe link provided in such messages or by updating your account preferences. Such requests are usually processed within up to 10 days.

Even if you opt out of promotional messages, we may still send you important service-related communications such as application updates or essential notifications.

You can review and update your personal information at any time by logging into your account on finfiber.com. It is your responsibility to ensure that the information you provide is accurate and up to date.

Revocation of Consent and Deletion of Data

You have the right to withdraw your consent and request deletion of your personal information at any time. Once we receive your request, we will verify your identity and process your account deletion and data removal request within 45 days from the date of successful verification.

Please note that deleting your FinFiber account may limit your ability to access or continue using certain services and features.

In certain situations, we may not be able to completely delete your information — such as where retention is required to comply with legal obligations, regulatory requirements, or to continue providing services already availed through our partners.

If you withdraw your consent or request deletion of your account, FinFiber may stop providing the services for which your information was required. Please note that any fees paid for services already availed are non-refundable.

Log Files

Like many standard websites, finfiber.com uses log files to collect certain information automatically when you visit or interact with the website.

This information may include details such as your IP address, browser type, internet service provider (ISP), referring and exit pages, device or platform type, date and time of access, and the number of clicks or actions performed on the website.

This data is collected to understand overall user behavior, analyze trends, manage and improve the website, and track how users interact with different sections of finfiber.com. The information is generally used in an aggregated manner and does not directly identify individual users.

Data Security

FinFiber takes the security of your personal information seriously and implements appropriate measures to protect it.

We use a combination of technical, administrative, and physical security controls to safeguard your information against unauthorized access, misuse, loss, alteration, or damage.

Despite our efforts, no method of data transmission over the internet or electronic storage is completely secure. While we follow industry-standard practices to protect your information, we cannot guarantee absolute security.

You are responsible for keeping your account credentials secure and confidential. If you become aware of any suspicious activity or possible data breach related to finfiber.com, you should report it immediately to our support team.

In the event of a confirmed data security incident or breach, FinFiber will take immediate steps to investigate, contain, and resolve the issue, and will inform relevant authorities and affected users in accordance with applicable laws.

Third-Party Advertisers and External Website Links

Third-Party Advertising

FinFiber may work with third-party advertising companies, advertising networks, or agencies to display advertisements when you visit or use our platform.

These third-party partners may use non-personal and anonymous information about your activity on finfiber.com to show relevant advertisements. Technologies such as cookies, tracking pixels, or similar tools may be used. This data does not include personal details such as your name, email address, or phone number.

Important Information About External Links

finfiber.com may contain links to third-party websites, including those of banks, financial institutions, NBFCs, or other service partners. If you choose to visit any third-party website, please note that those websites operate independently from FinFiber and are governed by their own privacy policies.

We do not control, manage, or take responsibility for the content, security practices, or privacy policies of any third-party websites. We strongly recommend that you review the privacy policy of any external website before sharing your personal information.

Children's Privacy

finfiber.com is not intended for use by individuals under the age of 18 years. We do not knowingly collect personal information from children.

If we become aware that any personal information has been collected from a user under the age of 18 without proper authorization, we will take immediate steps to delete such information from our records.

If a parent or guardian believes that a child has provided personal information on finfiber.com, they may contact us and we will promptly take necessary action.

Changes to This Privacy Policy

finfiber.com may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The “Last Updated” date indicates the most recent revision, and we will notify you of any significant changes where required.

Jurisdiction

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising out of or related to the use of finfiber.com shall be subject to the jurisdiction of the competent courts in India.

Grievance Redressal

If you have any concerns, complaints, or questions regarding your personal information or this Privacy Policy, you can contact us at the details provided below. We will review your concern and respond within a reasonable time.