Privacy Policy & Data Protection

This Privacy Policy sets out how Balaji Finance ("we", "us", "our", operating through balajifinanceindia.com) collects, utilizes, manages, and safeguards personal and sensitive financial information collected from borrowers and website users.

1. Collection of Personal & Financial Information

To facilitate credit evaluation with partner banks and NBFCs, we collect information including:

• Identity and demographic details: Name, Date of Birth, PAN, Aadhaar Number, Gender, and Marital Status.
• Contact details: Mobile Phone Number, WhatsApp Number, Email Address, and Residential Address.
• Financial & Employment details: Monthly Take-Home Salary, Employer Name, Annual Business Turnover, Bank Account Statements, ITR filings, and Existing Debt Obligations.

2. Purpose of Information Use & Consent

Your information is collected strictly with your explicit consent to:

• Check and compare eligibility against credit underwriting programs of our partner scheduled banks and NBFCs.
• Enable credit bureaus (CIBIL, Experian, CRIF High Mark) to generate your credit report on behalf of lending partners.
• Communicate application status, required document submissions, and loan sanction offers via Call, SMS, Email, or WhatsApp.

3. Data Sharing & Confidentiality

We do NOT sell, rent, or trade your personal information to third-party telemarketing firms. Information is shared exclusively with:

• Partner Commercial Banks and RBI-registered NBFCs who are actively underwriting your credit request.
• Authorized digital KYC and verification vendors complying with RBI and UIDAI standards.
• Governmental or law enforcement authorities only when mandated under statutory Indian legislation.

4. Data Storage & 256-Bit SSL Security

All data transmitted through balajifinanceindia.com is encrypted using industry-standard 256-bit Transport Layer Security (TLS/SSL). We implement strict physical and electronic access controls to protect sensitive files from unauthorized access.

5. Zero Advance Fee Declaration

Balaji Finance does not charge or accept upfront deposits or advance fees for loan processing. We will never instruct users to transfer funds into personal UPI IDs or bank accounts.

6. Grievance Officer Contact

In accordance with the Information Technology Act, 2000 and rules made thereunder, users may direct privacy inquiries to our Grievance Desk at support@balajifinanceindia.com.