Privacy Policy for Laxmi Finance

Effective Date: [Insert Date]

At Laxmi Finance ("we", "us", or "our"), your privacy is a top priority. This Privacy Policy outlines how we collect, use, share, and protect your personal information when you use our services, visit our website, or interact with us through any medium.

1. Information We Collect

We may collect the following types of information:

Personal Information

  • Full name

  • Date of birth

  • Address

  • Phone number

  • Email address

  • Government-issued ID (e.g., PAN, Aadhaar)

  • Photographs and biometric data (if required)

Financial Information

  • Bank account details

  • Income statements

  • Credit history

  • Loan application details

  • Employment details

Technical Information

  • IP address

  • Browser type

  • Device identifiers

  • Cookies and usage data

2. How We Use Your Information

We use the collected information for purposes such as:

  • Processing loan and financial product applications

  • Verifying identity and assessing eligibility

  • Conducting credit and background checks

  • Sending important notifications and service updates

  • Complying with legal and regulatory obligations

  • Improving our services and customer experience

3. Sharing Your Information

We do not sell your personal information. We may share your data with:

  • Credit bureaus and financial institutions for verification

  • Regulatory and law enforcement authorities, if required

  • Authorized service providers and third-party vendors assisting with operations

  • Affiliates or partners for offering co-branded services (with consent)

4. Data Security

We implement industry-standard security measures to protect your data from unauthorized access, misuse, or disclosure. This includes encryption, secure servers, and access controls.

5. Your Rights and Choices

You may:

  • Request access to the data we hold about you

  • Update or correct your personal information

  • Withdraw consent for data processing (subject to legal and contractual obligations)

  • Request deletion of your data, where applicable

To exercise your rights, please contact us at [Insert contact email or phone].

6. Cookies and Tracking

Our website may use cookies and similar technologies to improve user experience and analyze site traffic. You can manage your cookie preferences through your browser settings.

7. Data Retention

We retain your personal data only as long as necessary for the purposes stated above or as required by law.

8. Third-Party Links

Our services may include links to third-party websites. We are not responsible for the privacy practices of those websites. Please review their privacy policies separately.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website with the updated effective date. We encourage you to review this policy regularly.

10. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal data, please contact us at:

Laxmi Finance
[Address]
[Phone Number]
[Email Address]
[Website URL]