Privacy Policy

Please read this Privacy Policy carefully. By using our App, you consent to the collection and use of your personal data as outlined in this policy.

1. Information We Collect
   We collect the following types of personal information when you use our App:
   • Personal Identification Information: This may include your name, email address, phone number, date of birth, and address via PAN and Adhaar Card verification.
   • Financial Information: This includes data such as your income, bank account details, credit score, loan history, and payment information necessary for processing financial transactions.
   • Transaction Information: We collect details of the services you use, including loan applications, bill payments, insurance purchases, and credit card transactions.
   • Device and Usage Data: We collect information about your device, operating system, IP address, and usage patterns while using the App (e.g., pages visited, features used).
   • Location Information: With your consent, we may collect location data to help provide personalized services and offers.
2. How We Use Your Information
   We use the information we collect for the following purposes:
   • Providing Services: To process loan applications, manage insurance policies, facilitate bill payments, and provide other financial services.
   • Account Management: To create, maintain, and manage your account, including authentication and access control.
   • Personalization: To offer customized services, recommendations, and product offerings based on your preferences and transaction history.
   • Communication: To send you updates, notifications, and other communications related to our services, including promotional materials, if you have opted in.
   • Legal and Regulatory Compliance: To comply with applicable laws, regulations, and industry standards, including identity verification and fraud prevention.
   • Improving Services: To analyze usage patterns, troubleshoot issues, and improve the functionality and features of the App.
3. How We Share Your Information
   We may share your personal information with the following parties:
   • Third-Party Service Providers: We may share your data with third-party partners that assist us in providing services, such as payment processors, insurance providers, loan partners, credit bureaus, and analytics providers. These third parties are contractually obligated to keep your information secure and confidential.
   • Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
   • Legal Requirements: We may disclose your information to comply with legal obligations, prevent fraud, enforce our terms, or respond to lawful requests from public authorities.
   • With Your Consent: We may share your information with other parties if you provide explicit consent.
4. How We Protect Your Information
   We take the security of your personal information seriously and employ industry-standard security measures to protect it from unauthorized access, alteration, disclosure, or destruction. These measures include:
   • Encryption: We use secure encryption protocols (SSL/TLS) to protect sensitive data during transmission.
   • Access Controls: We limit access to your personal information to employees, contractors, or service providers who need it to perform their tasks.
   • Data Storage: We store personal data securely and implement appropriate safeguards to prevent unauthorized access. However, please note that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
5. Your Rights and Choices
   You have the following rights regarding your personal data:
   • Access: You can request access to the personal information we hold about you.
   • Correction: You can request that we correct or update any inaccurate or incomplete information.
   • Deletion: You can request the deletion of your personal data, subject to legal obligations and retention policies.
   • Opt-Out of Marketing Communications: You can opt-out of receiving promotional or marketing emails at any time by following the unsubscribe instructions in those emails.
   • Withdraw Consent: If you have provided consent for certain data processing activities, you can withdraw your consent at any time. This will not affect the legality of any processing done before your withdrawal.
   • To exercise any of these rights, please contact us at the contact information provided below.
6. Cookies and Tracking Technologies

   We use cookies and similar tracking technologies to enhance your experience, analyze usage patterns, and provide personalized services. Cookies are small files stored on your device that help us remember your preferences and improve the App’s performance.

   You can control cookie settings through your browser, but please note that disabling cookies may impact the functionality of certain features of the App.

7. Data Retention

   We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including complying with legal and regulatory obligations, resolving disputes, and enforcing agreements. Once your data is no longer needed, we will securely delete or anonymize it.

8. Children’s Privacy Our services are not intended for use by children under the age of 18, and we do not knowingly collect or solicit personal information from children. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information as soon as possible.
9. Changes to This Privacy Policy

   We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the services we offer. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this policy periodically for any updates.

10. Contact Us

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

    Great Fintech Solutions Pvt. Ltd.
    support@greatfinsure.com