Last Updated:12/2023
Balaji Finances ("we," "our," or "us") is committed to protecting the privacy and security of our clients' personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website, use our services, or interact with us.
By using our services or visiting our website, you agree to the terms outlined in this Privacy Policy.
1. Information We Collect
We may collect the following types of personal information from you:
Personal Identification Information: Name, address, phone number, email address, date of birth, Social Security Number (SSN), and other identifiers.
Financial Information: Bank account details, income information, credit history, financial statements, and other financial data required to provide our services.
Transaction Information: Information related to the transactions you perform through our services, such as loan applications, payment history, and account balances.
Usage Information: Information about how you use our website and services, including IP address, browser type, device information, and browsing history.
Communication Data: Records of your communication with us, including emails, phone calls, and chat interactions.
2. How We Use Your Information
We use your personal information for the following purposes:
To provide, manage, and improve our financial products and services.
To process your transactions, applications, and requests.
To verify your identity and conduct necessary security and credit checks.
To communicate with you about your accounts, transactions, or any changes to our policies or terms.
To comply with legal obligations and regulatory requirements.
To conduct research and analysis to improve our services and enhance user experience.
To market our products and services to you, subject to your consent where required by law.
3. Sharing Your Information
We may share your personal information with third parties in the following circumstances:
Service Providers: We may share your information with trusted service providers who perform services on our behalf, such as payment processing, data analysis, marketing, and customer support.
Business Partners: With your consent, we may share your information with our business partners to offer you additional products or services.
Legal Compliance: We may disclose your information if required by law, regulation, legal process, or governmental request.
Protection of Rights: We may disclose your information to protect our rights, property, or safety, as well as the rights, property, or safety of our clients or others.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business assets.
4. Your Rights and Choices
You have certain rights regarding your personal information, including:
Access and Correction: You have the right to access and request correction of any inaccurate or incomplete personal information we hold about you.
Data Portability: You may request a copy of your personal data in a commonly used and machine-readable format.
Deletion: You have the right to request that we delete your personal information, subject to certain legal or contractual obligations.
Marketing Preferences: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions provided in the communication or by contacting us directly.
Cookies and Tracking Technologies: You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect your experience on our website.
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure.
6. Retention of Information
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.
7. Third-Party Websites
Our website may contain links to third-party websites. This Privacy Policy does not apply to the practices of those websites. We encourage you to review the privacy policies of any third-party websites you visit.
8. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new policy on our website and updating the "Last Updated" date.
10. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Balaji Finances :-
sco 1118-19 Himalaya Marg Sector 22B, Sector 22 Chandigarh 160022, Email:balajif393@gmail.com, 9084547645.