1. Scope of This Policy

This Privacy Policy applies to Finflow-Hub's website, lead forms, support interactions, and related communication channels used to respond to enquiries, assist with applications, and coordinate with partner lenders or service providers.

2. Information We Collect

• Identity and contact data such as name, mobile number, email address, and city.
• Profile and financial data such as income, employment type, business details, loan amount, tenure, existing lender details, property details, PAN, and date of birth where relevant to your request.
• Communication data such as form submissions, call notes, WhatsApp messages, support emails, and consent records.
• Technical data such as device information, browser type, IP-related signals, cookies, and analytics events generated through website usage.
• Document data that you voluntarily provide for eligibility checks or case processing.

3. How We Use Your Information

• To respond to enquiries and recommend relevant products or lenders.
• To assess basic eligibility, arrange callbacks, and coordinate documentation and application flow.
• To verify information, prevent fraud, and maintain service records.
• To communicate updates, reminders, and service-related messages through call, SMS, email, or WhatsApp.
• To improve website performance, user experience, content relevance, and internal reporting.
• To comply with legal, regulatory, audit, and contractual obligations.

4. Basis for Processing

We process your information because you request services from us, provide consent through our forms or communication channels, and because processing may be necessary for legitimate business operations, fraud prevention, documentation support, partner coordination, or compliance with applicable law.

5. Sharing and Disclosure

We may share relevant information with partner banks, NBFCs, credit-related intermediaries, verification agencies, CRM or communications vendors, website analytics providers, legal or compliance advisors, and competent authorities where required by law or to protect our rights.

We do not sell your personal information as a standalone data product. Any sharing is intended to support the service you requested or the lawful operation of the platform.

6. Cookies and Analytics

We may use cookies, pixels, session storage, analytics tags, and similar technologies to keep the website functional, understand visitor behavior, measure campaign performance, and improve service delivery. You may control cookies through your browser settings, although some site features may be affected.

7. Communication Consent

When you submit a form or request assistance, you consent to receive service-related communication from Finflow-Hub and, where needed to fulfil your request, from its authorized partners. This may include phone calls, SMS, email, WhatsApp, or similar channels for consultation, verification, reminders, and application updates.

8. Data Retention

We retain personal information only for as long as reasonably necessary for lead management, customer support, documentation follow-up, partner coordination, record keeping, dispute handling, fraud prevention, and compliance with contractual or legal requirements.

9. Data Security

We use reasonable administrative, technical, and organizational measures to protect personal information from unauthorized access, alteration, disclosure, or loss. However, no internet-based system can be guaranteed fully secure, and you share information with that understanding.

10. Your Choices and Rights

• You may request correction of inaccurate or outdated information.
• You may ask about the categories of data we hold in relation to your enquiry.
• You may withdraw marketing or promotional communication preferences, subject to operational and legal limits.
• You may request deletion or restriction where retention is no longer necessary and no legal or contractual obligation requires us to keep the data.

11. Third-Party Services

The website may rely on third-party tools such as maps, analytics, form processors, communication systems, or lender portals. Those services may process information under their own terms and privacy notices, and you should review them where relevant.

12. Children's Privacy

Our services are intended for adults seeking financial products. We do not knowingly solicit or process personal information from children for independent use of the platform.

13. Policy Updates

We may revise this Privacy Policy from time to time to reflect changes in law, technology, business processes, or partner arrangements. The revised version will be posted on this page with an updated effective date.

14. Contact and Grievance

For privacy-related requests or concerns, email info@finflowhub.com or visit our Contact page. Please include your name, mobile number, and enquiry details so we can identify the relevant record.