Privacy Policy & Disclaimer

🔒 Privacy Policy

At Bharatee Financial Services, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

📊 Information We Collect

Personal Information

When you apply for our services or contact us, we may collect the following personal information:

• Identity Information: Full name, date of birth, PAN number, Aadhaar number
• Contact Information: Phone number, email address, residential address
• Financial Information: Income details, employment information, bank account details
• Documentation: KYC documents, income proofs, bank statements
• Credit Information: Credit history, CIBIL score, existing loan details

Technical Information

• IP address and device information
• Browser type and version
• Website usage data and analytics
• Cookies and similar tracking technologies

Communication Records

• Phone call recordings for quality and training purposes
• Email correspondence
• WhatsApp messages and chat logs
• Customer service interactions

🎯 How We Use Your Information

Primary Purposes

1. Loan Processing: Evaluate loan applications, credit assessment, and approval decisions
2. Service Delivery: Provide financial services, process transactions, and manage accounts
3. Communication: Send updates, notifications, and important service information
4. Compliance: Meet legal and regulatory requirements, KYC verification
5. Risk Management: Fraud prevention, credit risk assessment, and security monitoring

Secondary Purposes

• Product development and service improvement
• Market research and customer feedback analysis
• Marketing communications (with your consent)
• Website analytics and performance optimization

🤝 Information Sharing and Disclosure

Authorized Sharing

We may share your information with:

• Banking Partners: For loan processing and disbursement
• Credit Bureaus: For credit verification and reporting
• Service Providers: Third-party vendors for document verification, SMS, email services
• Legal Authorities: When required by law, court orders, or regulatory bodies
• Professional Advisors: Lawyers, auditors, and consultants under confidentiality agreements

Data Protection Measures

• All third parties are bound by strict confidentiality agreements
• Data sharing is limited to the minimum necessary for the intended purpose
• Regular audits of data sharing practices
• Secure data transmission protocols

🛡️ Data Security

Security Measures

• Encryption: All sensitive data is encrypted during transmission and storage
• Access Controls: Role-based access with multi-factor authentication
• Regular Audits: Periodic security assessments and vulnerability testing
• Employee Training: Regular privacy and security training for all staff
• Physical Security: Secure facilities with restricted access

Data Retention

We retain your personal information for the following periods:

• Active Customers: Duration of relationship plus 7 years
• Loan Records: As per RBI guidelines (minimum 8 years)
• KYC Documents: 8 years from account closure
• Marketing Data: Until withdrawal of consent

⚖️ Your Rights and Choices

Data Rights

• Access: Request copies of your personal data we hold
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Request transfer of your data in structured format
• Opt-out: Withdraw consent for marketing communications

How to Exercise Your Rights

To exercise any of these rights, please contact us using the details provided in the Contact section. We will respond to your request within 30 days.

Cookies and Tracking

Our website uses cookies to improve user experience. You can control cookies through your browser settings:

• Accept all cookies for full website functionality
• Reject non-essential cookies
• Manage cookie preferences anytime

⚠️ Disclaimer

Service Disclaimer

Bharatee Financial Services provides loan facilitation and financial advisory services. Please note:

Website Disclaimer

• Information Accuracy: While we strive for accuracy, information on our website may change without notice
• Third-party Links: We are not responsible for content on external websites
• Technical Issues: Website availability and functionality are provided "as is"
• EMI Calculator: Calculations are indicative and may vary from actual loan terms

Investment Disclaimer

Any financial advice or information provided is for general guidance only and should not be considered as personalized investment advice. Please consult qualified financial advisors for specific investment decisions.

Limitation of Liability

Bharatee Financial Services shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our services or website, except as required by applicable law.

📋 Terms & Conditions

Service Terms

• Eligibility: Services are available to Indian residents aged 21-65 years
• Documentation: Accurate and complete documentation required
• Processing: Service charges may apply for loan processing
• Cancellation: Applications can be cancelled before final approval

Website Usage Terms

• Website content is for informational purposes only
• Unauthorized use of website content is prohibited
• Users must provide accurate information
• We reserve the right to modify services and terms

Governing Law

These terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Mumbai, Maharashtra.