Privacy Policy

1. Introduction

Welcome to Royal Finance ("we", "our", "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or contact us regarding our loan services.

By using our website or submitting an enquiry, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We may collect the following categories of personal information:

• Identity data: Full name, date of birth, PAN card number, Aadhaar number, and other government-issued identification.
• Contact data: Phone number, email address, residential address, and city/state of residence.
• Financial data: Income details, employment status, existing liabilities, credit score information, bank statements, and loan requirements.
• Technical data: IP address, browser type, device identifiers, pages visited, and duration of visit collected automatically via cookies and server logs.
• Communication data: Records of calls, WhatsApp messages, emails, or form submissions you send to us.

3. How We Collect Your Information

• Directly from you — when you fill in our loan enquiry form, call us, or message us on WhatsApp.
• Automatically — through cookies, log files, and analytics tools when you browse our website.
• Third parties — credit bureaus (e.g., CIBIL), partner lending institutions, and public records as permitted by law.

4. How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan enquiry or application.
• Contact you to discuss your financial needs and loan options.
• Forward your application to partner banks and non-banking financial companies (NBFCs) for processing.
• Verify your identity and assess creditworthiness in compliance with applicable regulations.
• Send you updates about your application, relevant products, or services (you may opt out at any time).
• Comply with legal and regulatory obligations under the Reserve Bank of India (RBI) guidelines and other applicable laws.
• Improve our website, services, and customer experience.

5. Sharing Your Information

We do not sell your personal data. We may share your information with:

• Lending partners: Banks, NBFCs, and financial institutions for the purpose of processing your loan application.
• Credit bureaus: To verify credit history and assess eligibility as required.
• Service providers: Technology, hosting, communication, and analytics service providers who process data on our behalf under confidentiality agreements.
• Legal authorities: Where required by law, court order, or regulatory authority.

All third parties are required to handle your data in a secure manner consistent with this policy.

6. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Typically, application-related records are retained for a minimum of seven (7) years in accordance with applicable Indian financial regulations.

7. Cookies and Tracking Technologies

Our website uses cookies to improve your browsing experience and analyse site traffic. Cookies are small files stored on your device. You can control cookie preferences through your browser settings; however, disabling cookies may affect certain website functionality.

We use analytics tools (such as Google Analytics) to understand how visitors interact with our site. These tools collect data in an aggregated, anonymised form.

8. Data Security

We implement appropriate technical and organisational security measures to protect your personal data against unauthorised access, loss, alteration, or disclosure. These measures include encrypted data transmission (SSL/TLS), restricted access controls, and regular security reviews.

However, no method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

9. Your Rights

Subject to applicable law, you have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data where it is no longer required for the purpose it was collected.
• Withdraw consent to marketing communications at any time.
• Raise a complaint with the relevant data protection authority.

To exercise any of these rights, please contact us using the details in Section 12.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of material changes by updating the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to us:

• Company: Royal Finance
• Phone: 9466540267 | 8791884812
• Email: info@royalfinance.in
• WhatsApp: +91 94665 40267