Privacy Policy – Ayaan Finserve
1. Purpose
This Privacy Policy explains how Ayaan Finserve (operated by AFI Dhanvridhi) collects, uses, stores, and protects personal information shared by users while accessing our website, digital platforms, or services.
The purpose of this policy is to ensure transparency, responsible handling of information, and compliance with applicable laws and regulatory requirements while providing financial assistance, credit facilitation, and related support services.
2. Scope
This policy applies to all users who interact with Ayaan Finserve through:
- Our website and digital platforms
- Online forms and communication channels
- Service partners engaged for operational support
It covers information collected during enquiry, eligibility assessment, service delivery, customer support, and compliance processes.
3. Regulatory & Legal Alignment
This policy is designed in accordance with:
- Applicable directions and advisories issued by the Reserve Bank of India (RBI), including Digital Lending guidelines
- The Information Technology Act, 2000 and related rules
- Other applicable laws, regulations, and statutory requirements in India
4. Information We Collect
We may collect the following information, only where relevant and permitted:
- Personal details such as name, phone number, email address, and address
- Information voluntarily provided through enquiry or application forms
- Basic identification or financial information required for eligibility assessment or compliance
- Technical information such as IP address, browser type, or device data for website functionality and security
We do not collect information unrelated to service delivery or legal obligations.
5. Consent & Lawful Collection
Information is collected only after the user provides voluntary consent by submitting details through our website or communication channels.
Users are informed about the purpose of data collection at the time of submission.
6. Use of Information
Collected information is used strictly for:
- Responding to enquiries and service requests
- Assessing eligibility for financial assistance or related services
- Customer communication and support
- Regulatory compliance, record-keeping, and grievance handling
- Internal risk management and audit requirements
We do not use personal data for misleading, unlawful, or unauthorized purposes.
7. Information Sharing & Disclosure
Personal information may be shared only:
- With authorized service partners strictly for operational or compliance purposes
- When required by applicable laws, regulatory authorities, or lawful orders
We do not sell or rent personal data to third parties.
8. Data Retention
Information is retained only for as long as necessary to:
- Fulfill the purpose for which it was collected
- Comply with regulatory, legal, or audit requirements
Once information is no longer required, it is securely deleted or anonymized.
9. User Rights & Information Removal
Users may request:
- Correction of inaccurate information
- Withdrawal of consent for optional or non-essential data
- Removal of personal information, subject to legal and regulatory obligations
Requests can be made via official contact details and are processed within 30 days, subject to verification.
10. Data Storage & Security
- Data is stored on secure servers located in India
- Reasonable technical and organizational safeguards are implemented to protect information
- Access is restricted on a need-to-know and role-based basis
While we follow industry-standard practices, no digital platform can guarantee absolute security.
11. Cookies & Website Usage
Our website may use cookies or similar technologies to improve user experience and basic analytics.
Users may control cookie settings through their browser preferences.
12. Roles & Accountability
Data Protection & Security Oversight
- Data Protection Officer (DPO): Kumar Saurabh
- Responsible for privacy compliance and handling user requests
Technology & Operations
- IT Team responsible for secure system maintenance
Legal & Compliance
- Legal Oversight: Pankaj Walia
13. Policy Review & Updates
This Privacy Policy is reviewed periodically and may be updated to reflect changes in laws, regulations, or business practices.
Updated versions will be published on this website.
14. Contact Information
For any questions, concerns, or requests related to this Privacy Policy, users may contact:
Ayaan Finserve India Pvt Ltd
Email: info@afiloans.co.in
Phone: 0120-4832057/0120-3229778
GST: 07AAACC4107F1Z8