Introduction
Welcome to Indifunds ("we," "our," or "us"), a unit of Devdhan Narayana Finserv Private Limited (CIN: U66190UP2024PTC210110). 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 www.indifunds.com or use our services.
By accessing our website or using our services, you consent to the data practices described in this Privacy Policy.
Information We Collect
2.1 Personal Information
- Full name, date of birth, and gender
- Contact details (phone number, email address, postal address)
- Government-issued identification (Aadhaar, PAN, Voter ID, Passport)
- Photographs for KYC purposes
- Signature samples
2.2 Financial Information
- Income details (salary, business income)
- Bank account details and statements
- Employment information
- Existing loan obligations
- Credit history and credit bureau reports
- ITR and GST returns (where applicable)
2.3 Business Information (for self-employed)
- Business name and registration details
- Business address and contact information
- Business financial statements
- Trade license and GST registration
2.4 Technical Information
- IP address and device information
- Browser type and version
- Pages visited and time spent
- Referring website
- Cookies and similar tracking technologies
How We Use Your Information
Information Sharing and Disclosure
We may share your information only in the following circumstances:
- With Lending Partners: Where applicable, with our authorized lending partners for loan processing
- With Service Providers: Third-party vendors who assist in service delivery (under strict confidentiality agreements)
- Credit Information Companies: With CIBIL, Experian, Equifax, and CRIF as required
- Regulatory Authorities: With government bodies, RBI, and law enforcement agencies as required by law
- Legal Requirements: In response to legal processes, court orders, or to protect our rights
- Business Transfers: In the event of merger, acquisition, or sale of assets (with prior notice)
Data Security
We implement industry-standard security measures to protect your information:
- 256-bit SSL encryption for all data transmissions
- Secure servers with regular security audits
- Role-based access controls within our organization
- Regular employee training on data protection
- Compliance with Information Technology Act, 2000
- Regular vulnerability assessments and penetration testing
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Remember your preferences
- Analyze website traffic and usage patterns
- Improve user experience
- Provide relevant content
You can control cookie settings through your browser preferences. Disabling cookies may affect website functionality.
Your Rights
Request a copy of the personal information we hold about you
Request correction of inaccurate or incomplete information
Request deletion of your personal information (subject to legal obligations)
Withdraw your consent for data processing
Request transfer of your data to another service provider
Object to processing for marketing purposes
Lodge complaints regarding data handling
Data Retention
We retain your personal information only as long as necessary for:
- Providing our services
- Complying with legal obligations
- Resolving disputes
- Enforcing our agreements
Generally, loan-related records are retained for a minimum of 8 years from the date of loan closure, as per regulatory requirements.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware of such collection, we will delete the information immediately.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before sharing any information.
Aadhaar Information Handling
In compliance with the Aadhaar Act, 2016 and UIDAI guidelines:
- We collect Aadhaar information only with explicit consent
- We use Aadhaar information solely for KYC purposes
- We mask Aadhaar numbers in our records
- We do not store Aadhaar biometric data
- We comply with UIDAI's data protection standards
Changes to Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be:
- Posted on this page with a revised "Last Updated" date
- Notified to existing users via email or SMS for material changes
- Effective immediately upon posting
We encourage you to review this Privacy Policy periodically.
Contact Us
For any questions regarding this Privacy Policy: