At Shambhavi Financial Services, we are committed to protecting your privacy and maintaining the confidentiality of your personal information. This User Data Policy explains how we collect, use, store, and protect your data when you interact with our website, services, or representatives.
1. Information We Collect
We may collect the following types of information from users:
- Personal Information: Name, contact number, email address, date of birth, and identification details (such as PAN, Aadhaar, etc.).
- Financial Information: Income details, employment information, bank statements, credit score, and loan requirements.
- Technical Data: IP address, browser type, device information, and cookies when you visit our website.
- Communication Data: Feedback, inquiries, and correspondence through email, chat, or forms.
2. Purpose of Data Collection
We collect and use your data to:
- Process and verify loan applications
- Communicate loan offers, status updates, and service information
- Conduct KYC (Know Your Customer) and credit evaluation
- Maintain records for legal and regulatory compliance
- Improve our services, website experience, and customer support
3. Data Storage and Security
We employ strict security measures to safeguard your personal and financial data against unauthorized access, loss, or misuse.
All sensitive information is stored in encrypted systems and accessed only by authorized personnel under confidentiality agreements.
We follow industry-standard protocols and regularly update our systems to ensure data protection.
4. Data Sharing and Disclosure
We do not sell or trade your personal data to third parties.
Your data may be shared only with:
- Partner banks, NBFCs, or financial institutions for loan processing
- Government or regulatory authorities, when legally required
- Authorized third-party vendors (e.g., credit bureaus, IT support) bound by confidentiality contracts
5. User Rights
As a user, you have the right to:
- Access and review your personal data
- Request correction or updates to inaccurate information
- Withdraw consent or request data deletion (subject to regulatory compliance)
- Opt-out of marketing communications at any time
Requests can be sent to official email address with proper identification details for verification.
6. Cookies and Tracking
Our website uses cookies to enhance your experience and analyze website performance.
You can disable cookies through your browser settings, but certain features may not function optimally without them.
7. Retention of Data
We retain your personal data only as long as necessary for business, legal, or regulatory purposes. Once no longer required, your data will be securely deleted or anonymized.
8. Third-Party Links
Our website may contain links to third-party platforms. Please note that we are not responsible for their privacy practices, and users should review their respective policies before sharing personal data.
9. Policy Updates
This policy may be updated periodically to comply with legal requirements or improve user protection.
All changes will be reflected on this page with a revised effective date.
10. Contact Us
For any questions, concerns, or requests regarding this User Data Policy, please contact:
Shambhavi Financial Services
📍 Lucknow, Uttar Pradesh
