1. INFORMATION WE COLLECT

1.1 Personal Information

We may collect the following information:

• Full Name

• Email Address

• Phone Number

• Residential Address

• PAN details

• Aadhaar (if voluntarily provided)

• Date of Birth

• KYC documentation

• Credit report data

• Loan and financial information

• Employment details

• Communication records (calls, emails, SMS, WhatsApp)

We collect Personal Information when you:

• Fill out forms on the Website

• Subscribe to services

• Engage credit advisory services

• Apply for employment

• Participate in surveys

• Contact us for support

1.2 Automatically Collected Data

When you use our Website, we may automatically collect:

• IP address

• Browser type and version

• Device information

• Operating system

• Pages visited

• Date and time of visit

• Time spent on pages

• Referral URLs

• Location data (approximate)

1.3 Information from Third Parties

We may receive information from:

• Credit bureaus (with your authorization)

• Financial institutions

• Public databases

• Social media platforms

• Marketing partners

• Service providers

2. PURPOSE OF DATA COLLECTION

We process Personal Information for:

• Providing credit advisory and credit improvement services

• Retrieving and analyzing credit reports (with consent)

• Communicating with credit bureaus and financial institutions

• Customer support and service management

• Compliance with legal and regulatory requirements

• Fraud prevention and risk management

• Website analytics and improvement

• Marketing communications (with consent)

We do not sell your Personal Information.

3. CONSENT

By submitting your Personal Information, you:

• Consent to its collection and processing

• Authorize retrieval of credit reports where applicable

• Agree to receive service-related communications

• May receive marketing communications (unless you opt out)

You may withdraw consent at any time by contacting us.

4. DISCLOSURE OF PERSONAL INFORMATION

We may disclose Personal Information:

4.1 To Service Providers

Such as:

• IT and cloud storage providers

• CRM platforms

• Legal and compliance advisors

• Security vendors

• Payment processors

All third parties are contractually obligated to maintain confidentiality.

4.2 For Legal Reasons

We may disclose data to:

• Courts or regulatory authorities

• Government bodies

• Law enforcement agencies

• To protect our legal rights

4.3 Authorized Disclosure

Where you have expressly authorized disclosure, including via Power of Attorney.

5. INTERNATIONAL DATA TRANSFER

If you access our Website from outside India, your data may be processed and stored in India. Appropriate safeguards will be implemented as required by law.

6. DATA RETENTION

We retain Personal Information:

• For as long as necessary to provide services

• To comply with legal obligations

• To resolve disputes

• For legitimate business purposes

When no longer required, information is securely deleted or anonymized.

7. SECURITY OF DATA

We implement reasonable security practices including:

• Encrypted storage

• Access controls

• Secure servers

• Confidentiality agreements

• Periodic monitoring and review

While We strive to protect your data, no electronic transmission is completely secure.

8. YOUR RIGHTS

Subject to applicable laws, you have the right to:

• Access your Personal Information

• Correct inaccurate data

• Request deletion

• Withdraw consent

• Object to processing

• Request data portability

• Opt-out of marketing communications

• Lodge a complaint with a supervisory authority

To exercise your rights, contact:
📧 services@maxfincare.com

We will respond within legally prescribed timelines.

9. THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites. We are not responsible for their privacy practices. Users are encouraged to review their policies before sharing personal information.

10. COOKIE POLICY

10.1 What Are Cookies?

Cookies are small data files stored on your browser when you visit a website. They improve user experience and enable certain website features.

10.2 Types of Cookies We Use

• Session Cookies – Website functionality

• Analytics Cookies – Usage monitoring

• Preference Cookies – Save user settings

• Third-Party Cookies – Advertising and analytics

Third-party cookies are governed by respective providers.

10.3 Consent to Cookies

By accessing our Website, you consent to our use of cookies.

You may disable or delete cookies through browser settings. However, some features may not function properly.

11. CHILDREN’S PRIVACY

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from minors.

12. GRIEVANCE REDRESSAL

In accordance with applicable laws, you may contact our Grievance Officer:

Grievance Officer: Deepu
Company: Maxfincare Services Private Limited
Address:
71/73, Industrial Layout
Koramangala 8th Block
Bangalore – 560095
Karnataka, India

Email: services@maxfincare.com

We will acknowledge and resolve grievances within 30 days of receipt.

13. CHANGES TO THIS POLICY

We reserve the right to modify this Policy at any time. Updated versions will be posted on the Website with the revised effective date.

Continued use of the Website after changes constitutes acceptance of the updated Policy.