1. Who we are
FindraCapital is a brand of Findra Fintech Private Limited, a company incorporated in India (CIN U66190TS2026PTC222072), with its registered office at 7th Floor, Units 17, 20, 21, 22, 24, 25, 50, 51, Sy. Nos. 29 to 33, Innov8 Pranava Business Park, Kondapur, Serilingampally, Hyderabad, Rangareddy, Telangana 500084, India. In this policy, “we”, “us”, and “our” mean Findra Fintech Private Limited. “You” means the person using our website or services.
For personal data collected on findracapital.com, we decide why and how that data is processed. We process it in line with applicable Indian law, including the Information Technology Act, 2000 and its rules, and the Digital Personal Data Protection Act, 2023 as it applies.
2. Scope of this policy
This policy covers findracapital.com and the services we provide through it, including loan enquiries, mobile verification, application tracking, and our communications with you.
It does not cover the website, app, or services of a bank or NBFC. Once you continue on a lending institution’s platform, that institution’s privacy policy applies to the data it collects.
3. Our role
We are a loan facilitation platform. We help you submit a loan enquiry to a bank or NBFC. We do not lend money, approve or reject loans, hold loan funds, collect repayments, or recover dues. The lending institution decides your application and is responsible for its own KYC and credit assessment.
4. Information we collect
Information you give us
- Identity and contact details: name, mobile number, email address, date of birth, gender, PAN, and address.
- Employment and income details: employment type and monthly income.
- The product you are interested in and the details you enter in the application.
- Messages and information you send us when you contact us or raise a complaint.
Information we obtain with your consent
- Your credit score from a credit information company, obtained through an authorised service provider, only after you agree to it.
- The status of your application, as shared with us by the lending institution.
Information collected automatically
- IP address, browser and device type, pages visited, referring page, and the date and time of your visit.
- Cookies needed to keep the website secure and to keep you signed in. See section 12.
Consent records
When you give a consent, we record what you agreed to, the version of the text, the date and time, and the IP address used.
We do not ask for your Aadhaar number or Aadhaar images, bank account details, card details, or banking passwords on this website. We do not access the contacts, photos, files, call logs, or location on your device.
5. How we use your information
We use personal data only for the purposes below:
- To process your loan enquiry and application.
- To verify your mobile number with a one-time password (OTP).
- To assess preliminary eligibility and identify a suitable lending institution.
- To share your application with the bank or NBFC handling it, after your consent.
- To tell you about the status of your application and respond to your requests.
- To handle complaints and grievances.
- To keep our website secure, prevent fraud and misuse, and fix technical problems.
- To meet our legal and regulatory obligations.
We do not sell your personal data. We do not use it for any purpose that is not described here without asking you first.
6. Consent
We process your personal data on the basis of your consent, and where the law otherwise permits it. We ask for consent separately at each step that needs it:
- before we collect and process the details on the application form,
- before we obtain your credit score, and
- before we share your application with a lending institution.
Every consent box starts unchecked. You can read the exact wording on our customer consents page and the consent summary. You can withdraw consent at any time (see section 11). Withdrawal does not affect processing that happened before it.
7. Who we share it with
We share personal data only as needed for the purposes in section 5:
- The lending institution handling your application, after your consent.
- Service providers who work on our behalf, such as SMS and OTP delivery, credit score retrieval, email and messaging, and cloud hosting. They may use the data only to provide their service to us and must keep it confidential and secure.
- Authorities, such as courts, regulators, and law enforcement, when the law requires it.
We do not put your mobile number, PAN, or email address in marketing links or message links. OTP messages contain only the code.
8. Where your data is stored
Personal data collected on this website is stored on servers located in India.
9. How we protect it
We use reasonable security practices to protect personal data, including encryption in transit and at rest, and access limited to authorised personnel who need it for their work. We keep only your credit score, not the full credit report. No method of transmission or storage is completely secure, but we work to protect your data and to act promptly if something goes wrong.
10. How long we keep it
We keep personal data only for as long as it is needed for the purpose it was collected for, or for longer where the law requires us to keep it. After that, we delete it or make it anonymous.
11. Your rights
Subject to applicable law, you can:
- ask for a summary of the personal data we hold about you and how we use it,
- ask us to correct, complete, or update your personal data,
- ask us to erase personal data we no longer need to keep,
- withdraw a consent you have given,
- raise a grievance about how we have handled your data, and
- nominate another person to exercise these rights in case of your death or incapacity.
To use any of these rights, write to our grievance officer at info@findracapital.com. We may need to verify your identity before acting on a request. If you withdraw a consent that is needed for your application, we may not be able to continue with it.
12. Cookies
We use cookies that are necessary for the website to work: to keep your session, to protect forms from misuse, and to keep you signed in. We do not use advertising cookies. You can block cookies in your browser, but parts of the website may then stop working.
13. Messages we send
We send OTPs by SMS. We may contact you by SMS, email, WhatsApp, or phone about your application and its status. We send promotional messages only if you have agreed to receive them, and you can opt out at any time.
14. Children
Our services are only for people aged 18 and over. We do not knowingly collect personal data from children.
15. Other websites
Our website may link to the websites of lending institutions and others. We are not responsible for their content or privacy practices. Please read their policies.
16. Changes to this policy
We may update this policy from time to time. The effective date at the top shows when it was last changed. If we make a significant change, we will show a notice on the website.
17. Contact and grievance officer
For questions about this policy or your personal data, contact our grievance officer:
- info@findracapital.com
- Phone
- +91 8074165102
- Address
- Findra Fintech Private Limited, 7th Floor, Units 17, 20, 21, 22, 24, 25, 50, 51, Sy. Nos. 29 to 33, Innov8 Pranava Business Park, Kondapur, Serilingampally, Hyderabad, Rangareddy, Telangana 500084, India
See our grievance redressal page for how complaints are handled.