Welcome to Utsaha Fintech Pvt Ltd. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, store, and protect your data when you apply for loans or funding services ranging from ₹1 Cr to ₹500 Cr, including secured loans, unsecured loans, NPA takeover cases, personal loans, and home loans.
By using our services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.
1. Information We Collect
To provide you with seamless financial services, we may collect the following types of information:
Personal Information: Name, contact details, PAN card, Aadhaar card etc.
Financial Information: Bank statements, credit history, income details, asset details, and financial transaction history etc.
Loan-Related Information: Loan amount, repayment history, loan purpose, collateral details (for secured loans), etc.
Business Information (if applicable): Company name, registration details, turnover, financial records, etc.
2. How We Use Your Information
We use the collected data for the following purposes:
Loan Processing: To assess eligibility and process loan applications.
Identity Verification: To verify the authenticity of applicants.
Credit Assessment: To determine loan approval based on financial background.
Legal Compliance: To adhere to applicable financial regulations and legal obligations.
Service Improvement: To enhance customer experience and improve our financial offerings.
Fraud Prevention: To prevent fraudulent activities and ensure the safety of transactions.
3. Loan Charges & Refund Policy
Zero Upfront Charges: We do not charge any upfront fees for loan processing.
Conditional Charges: If any fees apply during the process (e.g., legal verification, documentation, or valuation charges), they will be communicated transparently before proceeding.
Non-Refundable Charges: If any charges are applicable and paid by the client, they are strictly non-refundable.
4. Data Security Measures
We prioritize the safety of your personal and financial data. Our security measures include:
Encryption: Secure encryption of sensitive financial data.
Access Control: Limited access to authorized personnel only.
Secure Servers: Data storage on secure, industry-compliant servers.
Regular Audits: Frequent security audits and updates to prevent breaches.
5. Sharing of Information
We do not sell, rent, or share personal data with third parties, except in the following cases:
With Your Consent: When you provide explicit consent to share information.
Legal Compliance: If required by law enforcement agencies, regulatory authorities, or court orders.
Business Partners: With financial institutions, credit bureaus, and legal entities involved in the loan process.
Fraud Prevention: To prevent fraudulent transactions or identity theft.
6. Client Confidentiality
All client details remain confidential and private. We take necessary steps to ensure that personal and financial data are not misused or disclosed without permission.
7. Data Retention Policy
We retain your information only for as long as necessary for loan processing, legal compliance, and fraud prevention. Once no longer required, we securely delete or anonymize the data.
8. Your Rights & Choices
As a customer, you have the following rights:
Access Your Data: Request access to the information we have about you.
Correction Requests: Update or correct inaccurate data.
Data Deletion: Request deletion of personal data (subject to legal limitations).
Withdraw Consent: Opt-out of marketing communications.
9. Changes to This Privacy Policy
We reserve the right to modify this policy at any time. Any changes will be updated on our website with the revised effective date. Please review this page periodically.
10. Contact Information
For questions, concerns, or complaints regarding this Privacy Policy, please contact:
Utsaha Fintech Pvt Ltd
PND 17, 173 Adil Nagar Lucknow
utsahafintech@gmail.com
+91-9235206374
At Utsaha Fintech Pvt. Ltd., we specialize in providing secured and unsecured loans ranging from ₹50 Lakhs to ₹500 Cr, catering to businesses and individuals seeking financial growth. Whether you need funding for expansion, working capital, or NPA takeover solutions, we offer tailored financing options with or without collateral to meet your unique needs.