Legal

Privacy Policy

How Fin Root Capital collects, uses, and protects your information.

Last Updated: March 2024  |  Effective Date: March 2024

This Privacy Policy describes how Fin Root Capital ("we", "us", or "our"), accessible at finrootcapital.shop, collects, uses, and protects the personal information of users who visit our website or avail our financial services.

1. Information We Collect

Fin Root Capital collects the following categories of personal information:

  • Personal Identification: Name, date of birth, PAN card, Aadhaar number, passport details.
  • Contact Information: Email address, phone number, residential and office address.
  • Financial Information: Income, employment details, bank statements, credit score, loan history.
  • Technical Data: IP address, browser type, device information, pages visited, time spent on the Fin Root Capital website.
  • Communication Data: Enquiries, feedback, and messages submitted through our contact forms.

2. How We Use Your Information

Fin Root Capital uses the information collected for the following purposes:

  • To process loan applications and assess creditworthiness.
  • To communicate with you regarding products, services, and updates from Fin Root Capital.
  • To send promotional communications via email, SMS, WhatsApp, or RCS (with your consent).
  • To comply with legal and regulatory obligations applicable to Fin Root Capital.
  • To detect and prevent fraud, money laundering, and other illegal activities.
  • To improve our website, services, and customer experience at Fin Root Capital.

3. Legal Basis for Processing

Fin Root Capital processes your personal data on one or more of the following legal bases:

  • Your explicit consent (e.g., signing up for marketing communications).
  • Performance of a contract (e.g., processing a loan application).
  • Compliance with a legal obligation under Indian law.
  • Legitimate business interests of Fin Root Capital.

4. Marketing Communications

By submitting an enquiry form on the Fin Root Capital website and checking the consent box, you explicitly agree to receive marketing and promotional messages via RCS, WhatsApp, email, SMS, and other digital channels. You may opt out of these communications at any time by contacting us at contact@finrootcapital.shop.

5. Data Sharing and Disclosure

Fin Root Capital does not sell your personal information. We may share your data with:

  • Lending Partners & NBFCs: For loan processing and credit assessment.
  • Credit Bureaus: CIBIL, Experian, Equifax for credit verification.
  • Regulatory Authorities: As required by law, RBI guidelines, or court orders.
  • Service Providers: Technology partners, cloud storage, analytics services who operate under strict confidentiality agreements.

6. Data Security

Fin Root Capital employs industry-standard security measures including SSL encryption, two-factor authentication, firewalls, and regular security audits to protect your data. However, no method of transmission over the internet is 100% secure, and we encourage users to exercise caution.

7. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy or as required by applicable law. Loan-related records may be retained for up to 7 years as per Indian financial regulations.

8. Your Rights

Under applicable data protection laws, you have the right to:

  • Access the personal data Fin Root Capital holds about you.
  • Request correction of inaccurate data.
  • Request deletion of your personal data (subject to legal obligations).
  • Withdraw consent for marketing communications.
  • Lodge a complaint with the relevant data protection authority.

9. Cookies

The Fin Root Capital website uses cookies to enhance user experience, analyse traffic, and personalise content. By using our website, you consent to the use of cookies in accordance with this policy. You may disable cookies in your browser settings.

10. Third-Party Links

Our website may contain links to third-party websites. Fin Root Capital is not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies independently.

11. Changes to This Policy

Fin Root Capital reserves the right to update this Privacy Policy at any time. The most current version will always be available on our website. Continued use of our services following any changes constitutes acceptance of the revised policy.

12. Contact Us

For any privacy-related queries or to exercise your rights, please contact Fin Root Capital at:

📧 contact@finrootcapital.shop
📍 Fin Root Capital, Financial District, New Delhi – 110001, India