At Shree Biradev Finance Private Limited (“the Company”, “we”, “us”, “our”), we are committed to protecting your personal information. This Privacy Policy explains what information we collect, why we collect it, how we use and share it, and how we keep it safe when you apply for a loan, use our website or customer portal, or make payments to us.
By using our services, you agree to the collection and use of your information as described in this policy.
1. Information We Collect
a) Personal Identification
- Full name, date of birth, gender and photograph
- PAN, Aadhaar and other KYC documents (such as Voter ID, Driving Licence or Passport)
b) Contact Details
- Mobile number and email address
- Current and permanent address
c) Financial Information
- Bank account details and bank statements
- Income documents (salary slips, ITR, Form 16, business proof)
- Credit history and credit score from credit bureaus
d) Employment and Vehicle Information
- Employer name, occupation, business details and work address
- Details of the vehicle being financed (make, model, registration number, chassis and engine number, invoice, RC and insurance)
e) Loan and Payment Information
- Loan account details, EMI schedule and repayment history
- Payment records made through cash, cheque, UPI, online payment gateway, or auto-debit (UPI AutoPay / e-NACH)
f) Information Collected Online
- Details you submit through our website enquiry and contact forms
- Login activity on the customer portal
- Basic technical information such as IP address, browser type and device information, collected through cookies for security and to improve our website
We do not store your debit card, credit card, UPI PIN or net-banking passwords. Online payments and auto-debit mandates are processed securely by our authorised payment gateway partner.
2. Purpose of Data Collection
We collect and use your information to:
- Assess your loan eligibility and creditworthiness
- Verify your identity as required under KYC and anti-money laundering rules
- Process loan applications, disbursements and repayments
- Set up and manage EMI auto-debit mandates
- Send loan updates, EMI reminders, payment receipts and account alerts by SMS, email or phone
- Provide customer support and resolve complaints
- Recover dues in case of default, as per the loan agreement and applicable law
- Comply with legal, tax and regulatory obligations
- Send offers and promotional information about our products, only with your consent
3. Sharing of Information
We do not sell or rent your personal information to anyone. We may share your information only with:
- Credit bureaus (such as CIBIL, Experian, Equifax and CRIF High Mark), for credit checks and reporting repayment history, as required by law
- Regulatory and government authorities (such as the Reserve Bank of India, tax authorities, courts or law enforcement agencies), when required by law
- Service providers who help us run our business, such as payment gateways, SMS and email providers, IT and hosting providers, document verification agencies, valuation agencies and insurance companies
- Legal advisors and authorised collection agencies, for the recovery of overdue amounts, as per applicable law and fair practice guidelines
All third parties are required to keep your information confidential and use it only for the purpose for which it was shared.
4. Data Protection
We take reasonable technical and organisational measures to protect your information from unauthorised access, misuse, loss or alteration, including:
- Secure (SSL-encrypted) connections on our website and customer portal
- Password-protected accounts and restricted access to our systems
- Access to customer data limited to authorised staff who need it for their work
- Masking of Aadhaar numbers, with Aadhaar used only for KYC purposes
While we work hard to protect your data, no method of transmission over the internet or electronic storage is completely secure. Please keep your customer portal password confidential and do not share OTPs with anyone. Our staff will never ask you for your OTP, PIN or password.
5. Data Retention
We keep your information for as long as your loan account is active, and afterwards for the period required by applicable laws and regulations (including KYC and record-keeping rules). After this period, your information is securely deleted or anonymised.
6. Your Rights
- Access: You can request a summary of the personal data we hold about you. Loan and EMI details are also available anytime in your customer portal.
- Correction: You can ask us to correct or update any incorrect or outdated information.
- Withdrawal of Consent: You can withdraw your consent for marketing communications at any time. Withdrawal of consent for data needed to service an active loan may affect our ability to continue the service, and it does not apply to data we must keep by law.
- Complaints: If you believe your data has been misused, you can file a complaint with us using the details below.
To use any of these rights, write to us from your registered email address or visit our branch with valid ID.
7. Cookies
Our website uses cookies to keep you logged in to the customer portal, keep the site secure, and understand how visitors use our website. You can disable cookies in your browser settings, but some features, such as the customer login, may not work properly.
8. Links to Other Websites
Our website may contain links to third-party websites, such as payment gateway pages. We are not responsible for the privacy practices of those websites, and we encourage you to read their privacy policies.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on this page, with the effective date shown at the top.
10. Contact Us
For any questions or requests about this Privacy Policy or your personal data, please contact us:
Shree Biradev Finance Private Limited
Email: biradevfinance.info@sbfpl.com
Phone: 08472-268387 (Mon – Sat, 10:00 AM – 6:00 PM)
Address: [Registered Office Address]
Grievance Officer
Name: [Grievance Officer Name]
Email: [grievance email]
Phone: [phone number]
We aim to respond to all privacy-related requests and complaints within 30 days.