Privacy Policy

1. Information We May Collect

Depending on your interaction with us, we may collect information such as:

• Name
• Mobile number
• Email address
• Date of birth
• Residential or business address
• PAN or other identification information
• Employment or business information
• Income and financial information
• Bank-related information required for loan processing
• Vehicle details
• Loan amount and loan type
• Documents submitted with an application
• Communication and enquiry details
• Device, browser, IP address, and website usage information

We collect only information reasonably required for legitimate business, regulatory, security, and service-related purposes.

2. How We Use Your Information

We may use personal information to:

• Respond to your enquiries.
• Process vehicle loan applications.
• Verify identity and submitted documents.
• Assess loan eligibility.
• Communicate application status.
• Facilitate loan documentation and disbursement.
• Provide customer service.
• Manage repayments and loan servicing where applicable.
• Prevent fraud and unauthorized activity.
• Maintain records.
• Comply with legal and regulatory requirements.
• Improve our website and services.
• Send service-related communications.

Where legally required, marketing communications will be sent in accordance with applicable consent and communication preferences.

3. Sharing of Information

Where necessary for providing or administering services, information may be shared with appropriate parties such as:

• Banks and financial institutions
• Lending partners
• Credit information companies
• Identity or document verification providers
• Vehicle dealers
• Insurance providers where relevant
• Payment and technology service providers
• Professional advisers
• Government, regulatory, judicial, or law-enforcement authorities where legally required

We do not disclose personal information to unrelated parties solely for their independent use unless authorized or otherwise permitted by law.

4. Credit Information

For loan assessment and servicing, relevant credit information may be obtained from or reported to authorized credit information companies where applicable and permitted.

Such information may be used to assess creditworthiness, repayment capacity, eligibility, and risk.

5. Cookies and Website Data

Our website may use cookies or similar technologies to:

• Keep the website functioning correctly.
• Understand visitor behaviour.
• Improve website performance.
• Maintain security.
• Remember user preferences.

You may control certain cookies through your browser settings. Disabling some cookies may affect website functionality.

6. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, or loss.

However, no method of internet transmission or electronic storage can guarantee absolute security.

7. Data Retention

Personal information may be retained for as long as reasonably necessary for:

• Processing and servicing your application or loan.
• Maintaining transaction and customer records.
• Resolving disputes.
• Fraud prevention.
• Legal, accounting, audit, and regulatory obligations.

Information that is no longer required will be deleted, anonymized, or otherwise handled in accordance with applicable requirements and internal retention policies.

8. Your Choices and Rights

Subject to applicable law and verification requirements, you may contact us regarding:

• Access to certain personal information.
• Correction of inaccurate information.
• Updating your details.
• Withdrawal of certain consents where applicable.
• Questions regarding how your information is processed.
• Requests relating to deletion or grievance resolution where legally available.

Certain information may need to be retained despite a request where required by law, regulation, contractual obligations, fraud prevention, or legitimate record-keeping requirements.

9. Third-Party Websites

Our website may contain links to external websites.

Their privacy practices are governed by their own policies, and Shri Finserv is not responsible for the privacy practices of independent third parties.

10. Children's Information

Our financial products are intended for persons legally eligible to enter into relevant financial arrangements.

We do not knowingly offer vehicle loan products directly to children.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Changes will be published on this page, together with an updated "Last Updated" date.

We encourage users to review this page periodically.

12. Grievance and Contact Details

For privacy-related questions, complaints, corrections, or requests, please contact: