Privacy Policy

1. Overview

FinSathi Financial Services Pvt. Ltd. ("FinSathi", "we", "us", or "our") operates the FinSathi platform. This Privacy Policy applies to all users — agents, customers, and visitors — and governs the collection, use, and disclosure of personal information submitted to or collected through our platform.

2. Data We Collect

We collect the following categories of personal information:

3. How We Use Your Data

• To process and submit your applications to partner banks, NBFCs, and insurance companies.
• To verify your identity (KYC) as required by RBI and IRDAI regulations.
• To communicate application status updates, OTPs, and service alerts.
• To calculate and disburse agent commissions.
• To detect, prevent, and investigate fraud and misuse.
• To improve our platform through analytics and user feedback.
• To comply with applicable legal obligations.

We do not use your data for unsolicited marketing without your explicit consent.

4. Data Sharing

We share your personal data only in the following circumstances:

• Partner Institutions: Banks, NBFCs, and insurance companies you apply to through our platform.
• KYC & Credit Bureaus: Entities like CIBIL, Experian, or NSDL for identity and credit verification.
• Payment Processors: For commission settlements and refunds.
• Regulatory Authorities: RBI, IRDAI, FIU, or other government bodies when required by law.
• Service Providers: Cloud hosting, SMS gateways, analytics vendors — bound by confidentiality agreements.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Storage & Security

All personal data is stored on servers located within India, in compliance with data localization requirements. We implement the following security measures:

• AES-256 encryption for data at rest.
• TLS 1.2+ encryption for data in transit.
• Multi-factor authentication for platform access.
• Regular security audits and penetration testing.
• ISO 27001 certified information security management.

We retain personal data for as long as necessary to fulfill the purposes outlined in this policy, or as required by law — typically 7 years for financial records.

6. Cookies & Tracking

Our platform uses cookies and similar tracking technologies for:

• Essential cookies: Required for login sessions and security.
• Analytics cookies: To understand how users interact with the platform (e.g., page views, feature usage).
• Preference cookies: To remember your language and display settings.

You can manage cookie preferences through your browser settings. Disabling essential cookies may affect platform functionality.

7. Your Rights

Under applicable Indian data protection laws, you have the right to:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your data, subject to legal retention requirements.
• Withdrawal of Consent: Withdraw consent for processing at any time (may affect service availability).
• Grievance Redressal: Lodge a complaint with our Data Protection Officer.

To exercise any of these rights, email support@finsathi.in from your registered email address.

8. Children's Privacy

FinSathi services are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal information, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via the platform or SMS to your registered mobile number. Continued use of the platform after the effective date constitutes acceptance of the updated policy.

10. Contact & Grievance Officer