Privacy Policy

1. Introduction

Finbros Finance (“Finbros”, “we”, “us”, or “our”) is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, share, and safeguard your data when you visit https://finbrosfinance.com/ (the “Website”) or use our Services. If you have questions, contact us at care@finbros.com. If you do not agree with this Policy, please discontinue use of the Services immediately.

2. What Information Do We Collect?

• Personal Information You Disclose: Full name, phone number, email address, and other details you voluntarily provide during registration or application. All information must be true, complete, and accurate.
• Automatically Collected: IP address, browser and device type/characteristics, operating system, language preferences, referring URLs, approximate location (country/city level), usage data, and timestamps.
• Log Files & Analytics: IP logs, clickstream data, browser information, Internet Service Provider (ISP), access times, and interaction patterns — used for security, fraud prevention, analytics, and service improvement (aggregated/anonymized where possible).
• Device Access: One-time access to camera, microphone, location, or other features solely for KYC/onboarding purposes, with your explicit consent per RBI guidelines. We do not access call logs, contacts, files, media, telephony functions, or any other sensitive device data.

3. How Do We Use Your Information?

We process your information for legitimate business interests, performance of contract, legal obligations, and your consent, including:

• Service delivery, account management, and communications (calls, SMS, IVR, WhatsApp overriding DND)
• Fraud prevention and security
• Credit checks, eligibility assessment, and application processing
• Marketing and promotional communications (with consent)
• Targeted advertising and personalized content
• Internal analytics, trend identification, and service improvement
• Call/IVR/WhatsApp recording for quality, training, compliance, and dispute resolution (with notice provided)

4. Will Your Information Be Shared With Anyone?

We share information only with your explicit consent, to comply with law, to provide services, protect rights, or fulfill business obligations:

• Partner Sharing: With banks, NBFCs, insurers, and other partners under valid contracts per DPDP Act 2023, solely for product-related outreach, eligibility checks, and fulfillment.
• Credit Bureau / CIC / CKYC / Lender Sharing: With Credit Information Companies, credit bureaus, CKYC, and lenders for credit checks, bureau pulls, and eligibility assessment. We do not sell, rent, or trade your personal information to third parties for their independent promotional purposes.

5. Consent for Communications and DND Override

By providing your contact details or using the Services, you grant explicit, free, specific, informed, unconditional, and unambiguous consent (with clear affirmative action) for Finbros and partners to contact you via calls, SMS, IVR, WhatsApp Business API, email, etc. This consent overrides any DND/DNC/NCPR registration under TRAI. Consent is recorded on the DLT platform as proof and remains valid for 180 days from submission or until withdrawn.

6. Cookies Policy

We use strictly necessary, functionality, performance, and third-party cookies. You can manage cookies through your browser settings, but disabling them may limit Website functionality.

7. How Do We Keep Your Information Safe?

We implement appropriate technical and organizational security measures. However, no method of transmission or electronic storage is 100% secure. Data is stored in India (or deleted within 24 hours if processed abroad per RBI guidelines). You provide information at your own risk.

8. Do We Collect Information from Minors?

We do not knowingly collect data from or market to individuals under 18 years of age. If we become aware of such data, we will delete it immediately.

9. Consent Validity, Retention, and Auto-Purge

Consent for applications, communications, and data sharing is valid for 180 days from the date of submission or until withdrawn. Personal data is retained for a maximum of 180 days (or longer only if required by law), after which it is automatically purged/deleted (except anonymized/aggregated data or legally mandated records).

10. Grievance Officer (Under DPDP Act, RBI, and TRAI)

For privacy concerns, data rights requests (access, correction, erasure, consent withdrawal), or complaints:

Name: Rekha Bhandari
Address: Finbros Capital Advisory Pvt Ltd., 901, 9th Floor, Dev Corpora, Eastern Express Hwy, opp. Cadbury Junction, Thane West, Thane, Maharashtra 400601
Phone: +91 99719 79310
Email: grievance@finbros.com

We acknowledge grievances promptly and resolve them within the timelines prescribed under DPDP Act/RBI guidelines. If unsatisfied, you may escalate to the RBI Complaint Management System or Sachet Portal.

You can also raise your concerns through the official grievance redressal channels of the concerned authorities:

• Reserve Bank of India (RBI):You may submit your complaint through the RBI’s grievance addressal system via the Sachet Portal.
• HDFC Bank:For issues related to HDFC Bank services, you may use the HDFC Bank Grievance Redressal Portal.

11. Updates to This Privacy Notice

We may update this Policy from time to time. The updated version will show a new “Last updated” date. Material changes will be notified via a prominent notice on the Website or direct communication.

12. Contact Us

For questions, data requests, opt-outs, or feedback:

Email: care@finbros.com
Website: https://finbrosfinance.com/connect