1. Who We Are

FinCV is an RBI registered Non-Banking Financial Company (NBFC) incorporated under the Companies Act, 2013. Our registered office is at 2nd Floor, 45/1, 9th Cross Rd, Jeewan Griha Colony, 2nd Phase, J. P. Nagar, Bengaluru, Karnataka – 560078.

This Privacy Policy explains how we collect, use, store, and share your personal information when you visit our website, enquire about our loan products, or become our customer.

2. Information We Collect

We collect the following categories of information:

• Identity information: Name, date of birth, PAN, Aadhaar number, photographs
• Contact information: Mobile number, email address, residential address
• Financial information: Bank account details, income proof, bank statements, credit bureau reports
• Vehicle information: Registration certificate (RC), vehicle inspection details, hypothecation details
• Loan information: Loan amount, repayment history, EMI records, collection interactions
• Technical information: IP address, browser type, pages visited (when you use our website)

3. How We Use Your Information

We use your personal information for the following purposes:

• Processing and evaluating your loan application
• Conducting KYC verification as required by RBI guidelines
• Running credit bureau checks and assessing creditworthiness
• Disbursing loans and managing your loan account
• Sending EMI reminders, collection notices, and account statements
• Complying with legal and regulatory obligations
• Preventing fraud and ensuring the security of our operations
• Improving our products and services

4. Sharing of Information

We do not sell your personal data. We may share your information with:

• Credit bureaus: CIBIL, Experian, CRIF, Equifax — for credit checks as part of loan appraisal
• Co-lending partners: Banks and NBFCs who co-lend with us, bound by the same data protection obligations
• Technology and service providers: Who assist in loan processing, KYC verification, and collections, under strict confidentiality agreements
• Regulatory authorities: RBI, MCA, income tax authorities, and other government agencies as required by law
• Courts and legal proceedings: Where required by a court order or legal process

5. Data Retention

We retain your personal information for as long as required to fulfil the purposes set out in this policy and to comply with applicable laws. Loan-related records are typically retained for a minimum of 8 years after loan closure, as required by RBI guidelines.

6. Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. Access to personal data is restricted to authorised personnel on a need-to-know basis.

However, no method of transmission over the internet is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your data, subject to legal and regulatory retention requirements
• Withdraw consent for marketing communications at any time

To exercise any of these rights, please contact us at grievance@loanzen.in.

8. Cookies

Our website uses cookies to improve your browsing experience and analyse website traffic. By continuing to use our website, you consent to our use of cookies. You can disable cookies in your browser settings, though this may affect the functionality of some parts of the website.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated date. We encourage you to review this policy periodically.

10. Contact Us

For any questions or concerns about this Privacy Policy, please contact:

• Grievance Redressal Officer: Anil S, COO
• Email: grievance@loanzen.in
• Address: 2nd Floor, 45/1, 9th Cross Rd, Jeewan Griha Colony, 2nd Phase, J. P. Nagar, Bengaluru, Karnataka – 560078