At Gaven Services Pvt. Ltd. (“Company”, “we”, “our”, or “us”), your privacy is of utmost importance to us. We are committed to protecting the confidentiality, integrity, and security of the personal and financial information you share with us while applying for loans, financial products, or related services through our platform.
This Privacy Policy explains how we collect, use, store, and protect your personal data in accordance with applicable Indian laws, including the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
1. Information We Collect
When you apply for a loan or use our services, we may collect the following types of information:
- Personal Identification Information: Name, date of birth, gender, PAN, Aadhaar, passport, voter ID, driving license, and other government-issued IDs.
- Contact Information: Phone number, email address, residential and business addresses.
- Financial Information: Income details, salary slips, bank statements, ITR, GST returns, and business financials.
- Property Information (for home loans/LAP): Property ownership documents, sale deeds, tax receipts, etc.
- Employment/Business Information: Employer details, business registration proof, business license, and related documents.
- Digital Information: Device details, IP address, and cookies when you visit our website.
2. How We Use Your Information
The information we collect is used for the following purposes:
- To process and evaluate your loan application.
- To verify your identity, eligibility, and creditworthiness.
- To comply with regulatory requirements including KYC and AML guidelines.
- To communicate with you regarding your loan status, offers, and updates.
- To prevent fraud, unauthorized transactions, and misuse of our services.
- To improve our website, services, and customer experience.
3. Sharing of Information
We do not sell or rent your personal information. However, we may share your data in the following cases:
- With lending partners, financial institutions, and NBFCs for loan processing.
- With third-party service providers (verification agencies, credit bureaus like CIBIL, etc.).
- When required by law, court orders, or government authorities.
- With our group companies, affiliates, and advisors for legitimate business purposes.
4. Data Security
We follow strict security practices to safeguard your personal and financial information, including:
- Secure server infrastructure with encryption.
- Access controls and restricted employee access.
- Regular monitoring and audits to prevent unauthorized access.
However, no electronic storage or online transmission can be 100% secure. You agree that Gaven Services Pvt. Ltd. shall not be held liable for any unauthorized access beyond reasonable control.
5. Cookies & Tracking
Our website may use cookies to enhance user experience, analyze traffic, and provide personalized services. You may disable cookies in your browser settings, but some parts of the website may not function properly.
6. Your Rights
As a user, you have the right to:
- Access and review the personal data you have provided.
- Request corrections in case of inaccuracies.
- Withdraw consent for data usage (subject to legal and contractual restrictions).
- Request deletion of your personal data, where applicable.
7. Retention of Data
We retain your personal and financial data only as long as necessary to:
- Fulfill the purpose for which it was collected.
- Comply with legal, regulatory, and contractual obligations.
8. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or policies of those websites.
9. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with a revised “Effective Date.”
10. Contact Us
If you have any questions, concerns, or complaints about this Privacy Policy or our data handling practices, you can reach us at:
Gaven Services Pvt. Ltd.
Email: [Insert Email Address]
Phone: [Insert Contact Number]
Address: [Insert Office Address]