Privacy Policy

At Finyra Solutions Pvt. Ltd. ("Finyra," "we," "us," or "our"), we respect your privacy and are committed to protecting your personal and financial information. This Privacy Policy outlines our practices regarding the collection, use, disclosure, and protection of your data when you visit our website or utilize our financial advisory services.

1. Information We Collect

To provide our financial distribution and advisory services, we may collect the following types of information:

• Personal Identification Information: Name, date of birth, age, gender, photograph, PAN (Permanent Account Number), Aadhaar number, passport details, or other government-issued identifiers.
• Contact Information: Email address, phone number, residential and permanent address.
• Financial Information: Bank account details, salary slips, income tax returns (ITRs), credit scores (CIBIL or equivalent), existing loan details, assets, and liabilities.
• Employment/Business Information: Employer name, professional designation, business vintage, GST details, and corporate financial statements.
• Technical Data: IP address, browser type, device information, and usage data collected via cookies when you navigate our website.

2. How We Use Your Information

Finyra Solutions acts strictly as a financial distributor and advisory entity. We use your data exclusively for the following purposes:

• Service Delivery: To assess your eligibility for various financial products (loans, credit cards, insurance).
• Institutional Matching: To share your profile (with your consent) with our banking and NBFC partners to secure loan sanctions, credit limits, or policy issuance.
• Communication: To send you updates regarding your application status, respond to inquiries, and provide customer support.
• Improvement: To analyze website usage and improve our digital interfaces and service offerings.
• Legal Compliance: To comply with applicable laws, regulations, and guidelines mandated by the Reserve Bank of India (RBI) or other statutory bodies.

3. Information Sharing & Disclosure

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information only in the following circumstances:

• With Financial Partners: We share your application and KYC data with RBI-regulated Banks, NBFCs, and Insurance Companies to process the financial products you have requested.
• With Service Providers: Third-party vendors who assist us in operations such as document verification, secure data hosting, and SMS/Email communication. These partners are bound by strict confidentiality agreements.
• Legal Requirements: If required by law, court order, or governmental authority to disclose data for regulatory compliance or fraud prevention.

4. Data Security

We implement robust physical, electronic, and procedural safeguards to protect your data. This includes secure server hosting, encrypted data transmission (SSL/HTTPS), and restricted access controls for our employees. While we strive to use commercially acceptable means to protect your information, no method of transmission over the internet is 100% secure.

5. Your Consent

By using our website, submitting an inquiry, or providing your documents to our representatives, you consent to the collection, use, and sharing of your information as described in this Privacy Policy. You explicitly authorize Finyra Solutions and its lending partners to fetch your credit report from bureaus (like CIBIL, Experian) to evaluate your eligibility.

6. Cookies and Tracking

Our website uses "cookies" to enhance user experience. Cookies are small data files stored on your device that help us remember your preferences and understand website traffic. You can instruct your browser to refuse all cookies, but doing so may limit your ability to use certain features of our site.

7. Your Rights & Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. You have the right to request access to your data, ask for corrections, or request deletion (subject to regulatory record-keeping mandates). To exercise these rights, please contact our Grievance Officer.

8. Changes to This Privacy Policy

We may update our Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted on this page with the revised "Last Updated" date. We encourage you to review this policy regularly.

9. Contact Us

If you have any questions, concerns, or grievances regarding this Privacy Policy or our data practices, please contact us at: