Privacy Policy

Last updated: 14 February 2025

1. Information We Collect

1.1 Personal Information You Provide

When you contact us, fill out our enquiry form, or use our services, we may collect:

• Full name
• Phone number and email address
• Residential and/or office address
• Date of birth and age
• PAN card number, Aadhaar number, and other government-issued ID details
• Employment details (employer name, designation, salary, work experience)
• Financial information (income details, bank statements, existing loan details, credit score)
• Property details (for home loan and loan against property applications)
• Educational qualifications (for education loan applications)
• Business details (for business loan applications, including GST number, turnover, ITR)
• Any other information you voluntarily provide during the loan application process

1.2 Automatically Collected Information

When you visit our Website, we may automatically collect:

• IP address, browser type, and version
• Device type, operating system, and screen resolution
• Pages visited, time spent on pages, and navigation patterns
• Referring website URL
• Cookies and similar tracking technologies (see Section 7)

2. How We Use Your Information

We use the information collected for the following purposes:

• Loan Processing: To assess your eligibility, process your loan application, and facilitate your connection with appropriate Lending Partners
• Communication: To respond to your enquiries, provide updates on your application status, and send service-related communications via phone, SMS, email, or WhatsApp
• Sharing with Lending Partners: To submit your loan application and supporting documents to banks and financial institutions on your behalf
• Service Improvement: To improve our Website, services, and user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Marketing: To send you information about our services, offers, or updates (you may opt out at any time)

3. Information Sharing & Disclosure

• Lending Partners: We share your application details, documents, and financial information with banks, NBFCs, and HFCs for the purpose of processing your loan application. Once shared, the Lending Partner's own privacy policy governs their use of your data.
• Credit Information Companies: Lending Partners may access your credit report from CIBIL, Equifax, Experian, CRIF High Mark, or other credit bureaus as part of the loan evaluation process.
• Service Providers: We may share information with third-party service providers who assist us in operating our Website, conducting our business, or servicing you (e.g., web hosting, analytics, communication tools), provided they agree to keep this information confidential.
• Legal Requirements: We may disclose your information when required by law, regulation, legal process, governmental request, or to protect the rights, property, or safety of Excel Finvest, our users, or others.
• With Your Consent: We may share your information for any other purpose with your explicit consent.

4. Data Storage & Security

• We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.
• However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
• Your personal information may be stored on servers located in India. By using our services, you consent to such storage.
• We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable laws and regulations.

5. Your Rights

Subject to applicable laws, you have the right to:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete personal information
• Deletion: Request deletion of your personal information, subject to legal and contractual obligations
• Withdraw Consent: Withdraw your consent to the processing of your personal information at any time. Note that withdrawal of consent may impact our ability to provide services to you.
• Opt-Out: Opt out of receiving marketing communications from us

To exercise any of these rights, please contact us at loans.excelfinvest@gmail.com or call +91 97421 04400.

6. Third-Party Websites

Our Website may contain links to third-party websites, including those of our Lending Partners. We are not responsible for the privacy practices, content, or security of any third-party website. We encourage you to read the privacy policies of any website you visit.

7. Cookies & Tracking Technologies

• We may use cookies, web beacons, and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand user behavior.
• Cookies are small text files stored on your device. You can control or delete cookies through your browser settings. Disabling cookies may affect the functionality of our Website.
• We may use third-party analytics services (such as Google Analytics) that use cookies to collect and analyze website usage data. These services have their own privacy policies.

8. Communication Consent

By providing your phone number and/or email address through our Website or directly to our team, you expressly consent to receive communications from Excel Finvest via:

• Phone calls (including from our team and Lending Partners)
• SMS and text messages
• WhatsApp messages
• Emails

This consent applies even if your number is registered on the National Do Not Call (DNC/NDNC) registry. You may withdraw this consent at any time by contacting us.

9. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

10. Data Breach Notification

In the event of a data breach that may affect your personal information, we will make reasonable efforts to notify you and relevant authorities as required by applicable laws, within a reasonable timeframe.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of our Website or Services after any changes constitutes your acceptance of the updated Privacy Policy.

12. Applicable Law

This Privacy Policy is governed by the laws of India, including but not limited to the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and any other applicable data protection legislation as may be enacted. Any disputes shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India.

13. Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the Grievance Officer for the purpose of this Privacy Policy is:

Shibu Daniel
Excel Finvest
#823, Ground Floor, 8th Cross, 27th Main,
HSR Layout, Bengaluru - 560102,
Karnataka, India
Email: loans.excelfinvest@gmail.com
Phone: +91 97421 04400

Grievances will be addressed within 30 days of receipt.

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