Privacy Policy

1. Introduction

4SFINSERV ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial brokerage services and website.

This policy complies with the Information Technology Act, 2000, and the rules framed thereunder, including the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Identity Information: Name, date of birth, gender, marital status
• Contact Information: Email address, phone number, residential address
• Financial Information: Income details, employment information, credit history
• Government IDs: AADHAR number, PAN number (as required for financial services)
• Documents: KYC documents, bank statements, salary slips

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and location data
• Browser type and version
• Device information
• Usage patterns and preferences
• Cookies and similar technologies

3. How We Use Your Information

We use your information for the following purposes:

3.1 Financial Services

• Processing loan applications and credit assessments
• Connecting you with financial partners (banks, NBFCs)
• Conducting credit checks and risk assessments
• Facilitating loan disbursements and repayments

3.2 Legal and Regulatory Compliance

• Complying with RBI guidelines and KYC requirements
• Preventing fraud and money laundering
• Meeting legal and regulatory obligations
• Responding to legal requests and court orders

3.3 Service Improvement

• Improving our services and user experience
• Personalizing recommendations and offers
• Conducting analytics and research
• Developing new financial products

3.4 Communication

• Sending service-related notifications
• Providing customer support
• Sending marketing communications (with consent)
• Responding to inquiries and feedback

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

4.1 With Financial Partners

We share necessary information with banks, NBFCs, and financial institutions to process your loan applications and provide financial services.

4.2 Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, such as:

• Credit bureaus (CIBIL, Experian, etc.)
• Technology service providers
• Payment processors
• Customer support services

4.3 Legal Requirements

We may disclose information when required by law, court order, or government regulation, including:

• Responding to legal subpoenas
• Investigating fraud or security breaches
• Protecting our rights and property
• Ensuring public safety

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

5. Data Security

We implement comprehensive security measures to protect your information:

5.1 Technical Security

• SSL/TLS encryption for data transmission
• Secure data storage with access controls
• Regular security audits and penetration testing
• Multi-factor authentication for admin access

5.2 Organizational Security

• Employee background checks and training
• Access controls and role-based permissions
• Regular security awareness programs
• Incident response procedures

5.3 Physical Security

• Secure data center facilities
• Controlled access to physical premises
• Secure disposal of physical documents

6. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Active Applications: Retained during application processing
• Approved Loans: Retained for the loan tenure plus 5 years
• KYC Documents: Retained for 5 years after account closure
• Marketing Data: Retained until consent is withdrawn
• Legal Requirements: Retained as required by RBI and other regulators

7. Your Rights

Under applicable laws, you have the following rights regarding your personal information:

7.1 Right to Access

You can request access to your personal information we hold.

7.2 Right to Rectification

You can request correction of inaccurate or incomplete information.

7.3 Right to Erasure

You can request deletion of your information, subject to legal requirements.

7.4 Right to Data Portability

You can request a copy of your data in a structured format.

7.5 Right to Withdraw Consent

You can withdraw consent for marketing communications at any time.

7.6 Right to Complain

You can lodge a complaint with the relevant data protection authority.

8. Cookies and Tracking

We use cookies and similar technologies to enhance your browsing experience:

8.1 Essential Cookies

Required for basic website functionality and security.

8.2 Analytics Cookies

Help us understand how visitors use our website.

8.3 Marketing Cookies

Used to deliver relevant advertisements and marketing content.

You can manage cookie preferences through your browser settings or our cookie consent banner.

9. International Data Transfers

Your information may be transferred to and processed in countries other than India. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification
• Providing an in-app notification

Your continued use of our services after such changes constitutes acceptance of the updated policy.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

For data protection concerns, you can also contact the Grievance Officer at the above details.

14. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes arising from this policy will be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].