This Privacy Policy explains what information we may collect, why we collect it, how it may be used and the measures we take to protect it.
Information We Collect
Depending on the services you use, we may collect information including:
Personal Information
- Full name
- Father's name
- Mother's name
- Date of birth, where required
- Mobile number
- Alternate mobile number
- Email address
- Current location
- Present address
- Permanent address
Identity and KYC Information
Where required for an application, we may collect documents such as:
- Aadhaar Card
- PAN Card
- Voter/Election Card
- Address proof
- Electricity bill
- Ownership/property-related documents
- Photograph/live photograph
- Digital signature
- Other supporting documents
Guarantor Information
Where applicable, we may collect:
- Guarantor's name
- Guarantor's mobile number
- Other information required for verification
Application Information
We may collect information relating to:
- Requested loan amount
- Loan purpose
- Application status
- Verification information
- Repayment-related information
- Communication history
How We Collect Information
Information may be collected when you:
- Submit an online loan application.
- Contact us through the website.
- Submit an enquiry form.
- Upload documents.
- Communicate with our team.
- Use services provided through our website.
How We Use Your Information
Information may be used for legitimate business and service purposes, including:
- Processing loan applications.
- Verifying identity and documents.
- Assessing eligibility.
- Communicating with applicants.
- Processing approved loan applications.
- Managing repayments and account-related activities.
- Responding to enquiries.
- Preventing fraud and misuse.
- Maintaining records.
- Meeting applicable legal and regulatory requirements.
- Improving our website and services.
- Sending service-related communications.
Document and KYC Information
Documents submitted for loan processing may contain sensitive personal information.
We use such information only for legitimate purposes connected with application processing, verification, compliance, fraud prevention, record keeping or other purposes permitted by applicable law.
Sharing of Information
We do not intend to sell personal information to third parties.
Information may be shared where reasonably necessary with:
- Authorized employees or representatives.
- Service providers assisting with website or operational functions.
- Verification providers.
- Payment or financial service providers where applicable.
- Professional advisers.
- Government authorities, regulators or law-enforcement agencies where legally required.
- Other parties where disclosure is authorized or required by applicable law.
Data Security
We take reasonable technical and organizational measures to protect personal information from unauthorized access, misuse, alteration, disclosure or loss.
However, no internet-based system can be guaranteed to be completely secure.
Applicants should avoid sharing passwords, OTPs, PINs or other authentication credentials with unauthorized persons.
Data Retention
Personal information may be retained for as long as reasonably necessary for:
- Processing applications.
- Providing services.
- Maintaining business records.
- Meeting legal or regulatory requirements.
- Resolving disputes.
- Preventing fraud.
- Protecting legitimate business interests.
The retention period may vary depending on the type of information and applicable requirements.
Cookies
Our website may use cookies or similar technologies to improve website functionality, understand website usage and enhance the user experience.
You may be able to control cookies through your browser settings.
Disabling certain cookies may affect some website functionality.
Third-Party Websites
Our website may contain links to third-party websites or services.
We are not responsible for the privacy practices, content or security of third-party websites.
You should review the privacy policy of any third-party service you use.
Children's Privacy
Our services are intended for eligible applicants and are not directed toward children.
We do not knowingly collect personal information from individuals who are not legally eligible to use our services.
Accuracy of Information
Applicants are responsible for providing accurate and updated information.
If information submitted by you changes or is incorrect, you should contact us and request appropriate correction where applicable.
Your Privacy Rights
Subject to applicable law, you may have rights relating to your personal information, including requesting access, correction or other applicable actions.
Requests may be submitted using our contact details below.
We may need to verify your identity before processing certain requests.
Changes to This Privacy Policy
We may update this Privacy Policy periodically.
Any changes will be published on this page along with the updated date.
Contact Us
For privacy-related questions or requests, please contact FZ Finance Bank.
FZ Finance Bank
FZ Finance Bank is committed to handling personal information responsibly and taking reasonable measures to protect information provided through our website and financial assistance services. Applicants should ensure that the information and documents submitted by them are accurate and should not share OTPs, passwords, PINs or other confidential authentication credentials with unauthorized persons.