Privacy Policy.

For the purposes of the Digital Personal Data Protection Act, 2023, Faith Financials Private Limited (“Faith Financials”, “the Company”, “we”, “us”) is the Data Fiduciary in respect of the personal data described in this policy.

This policy applies to visitors to this website, to persons who contact us by email or telephone, and to applicants for and borrowers under our lending and advisory facilities. It should be read together with our Terms & Conditions and our Fair Practices Code.

Website visitors

This website contains no enquiry form, login or other field through which you can submit information to us. We collect no personal data directly through the website. We do receive limited technical and usage data through the analytics and performance-measurement services used on this site — your IP address and the approximate location derived from it, your browser and device type, the pages you visited and when, and broad measurements of how quickly those pages loaded.

Persons who contact us

If you write to us or call us, we hold whatever you choose to provide — typically your name, your email address or telephone number, and the content of your enquiry.

Applicants and borrowers

Where you apply for a facility, we collect:

• Identity data — name, date of birth, gender, photograph and signature.
• KYC data — Permanent Account Number and other officially valid documents, as required by the Prevention of Money-Laundering Act, 2002 and the RBI Master Direction on Know Your Customer.
• Contact data — residential and office address, telephone numbers and email.
• Financial data — income details, bank statements, income tax returns, financial statements, existing borrowings, and details of the assets offered as security.
• Credit data — where we obtain credit information reports and scores from credit information companies, and where we are required to report your account performance to them, we do so in accordance with the Credit Information Companies (Regulation) Act, 2005.
• Transaction data — repayment history, and amounts disbursed and outstanding.

We collect this data directly from you, from the documents you provide, and — where applicable to your case — from third parties such as verification agencies, valuers, banks, and public registries.

We do not sell your personal data.

We share personal data only where necessary, and only with:

• Service providers engaged by us — for example KYC and verification agencies, valuers, legal counsel, chartered accountants, and IT and hosting providers — who may use the data only for the purpose for which we engage them.
• Credit information companies, where applicable, in accordance with the Credit Information Companies (Regulation) Act, 2005.
• Regulators and authorities, including the Reserve Bank of India, and any authority to whom disclosure is required by law, court order or lawful demand.
• Our auditors and professional advisers, under obligations of confidentiality.

We do not transfer personal data outside India, except that the analytics, font and content-delivery providers used on this website process technical data on infrastructure that may be located outside India.

KYC and transaction records are retained for the period required under the Prevention of Money-Laundering Act, 2002 and the rules made under it — five years from the date of the transaction, or from the date the business relationship ends, as applicable.

Loan account records are retained for the life of the facility and thereafter for the period required under the Companies Act, 2013, applicable tax law, and the applicable limitation period. Other personal data is retained no longer than is necessary for the purpose for which it was collected.

We maintain reasonable security safeguards appropriate to the sensitivity of the data we hold. Access is restricted to those employees and officers who need it for their role, our staff and service providers are under confidentiality obligations, and documents held at our offices are kept under physical security.

Any question or complaint about this policy, or about how we handle your personal data, should be addressed in the first instance to our Grievance Redressal Officer.

If your complaint is not resolved within 15 working days, it may be escalated to the Business Head of the Company at faithfinancialslegal@gmail.com, who will respond within 30 days of receipt.

Our facilities are not offered to persons below the age of 18, and we do not knowingly collect the personal data of children.

We may amend this policy from time to time. The version published on this website is the version in force.