Privacy Policy

This Privacy Policy describes how HRD Fintech ("Company", "we", "our", "us") collects, uses, processes, and protects your personal information when you access or use our website and services.

1. Information We Collect

We may collect the following types of information:

• Full name
• Email address
• Mobile number
• Residential address
• PAN, Aadhaar or other KYC documents (if required)
• Income and employment details
• Bank statements or financial documents
• IP address and browser information

2. How We Use Your Information

Your information may be used for:

• Processing loan and credit card applications
• Sharing application details with partner banks/NBFCs
• Customer support and follow-ups
• Improving website performance
• Marketing communication (with consent)
• Regulatory compliance

3. Data Sharing & Disclosure

We may share your information with:

• Partner banks and NBFCs
• Credit bureaus
• KYC verification agencies
• Payment gateways
• Regulatory authorities (if required by law)

We do not sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures including SSL encryption and restricted access controls to protect your data. However, no system can guarantee absolute security.

5. Cookies & Tracking

Our website may use cookies and analytics tools to enhance user experience and monitor website performance. You may disable cookies through your browser settings.

6. Consent for Communication

By submitting your details, you consent to receive communication from HRD Fintech via:

• Phone calls
• SMS
• Email
• WhatsApp

You may opt out of promotional communications at any time.

7. Retention of Information

We retain personal data only for as long as necessary to fulfill service obligations and comply with legal requirements.

8. Your Rights

You may request to:

• Access your personal data
• Correct inaccurate data
• Request deletion (subject to regulatory requirements)
• Withdraw consent

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

10. Governing Law

This Privacy Policy is governed by the laws of India, including the Information Technology Act, 2000.

11. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page.

12. Contact Us

If you have questions regarding this Privacy Policy, please contact us at: support@hrdfintech.com