TFSL Group – Privacy Policy
1. Introduction
1.1 This Privacy Policy (“Policy”) outlines how TFSL Group (“Company”, “we”, “our”, or “us”) collects, uses, processes, stores, and discloses your personal data when you access or use our website, mobile application, or any related platforms (collectively referred to as the “Platform”).
1.2 All products and services offered through the Platform are referred to as “Services.” Capitalized terms not defined in this Policy shall have the meanings assigned to them in our Terms and Conditions (“Terms”). We recommend reading this Policy in conjunction with the Terms.
1.3 At TFSL Group, we are committed to safeguarding your privacy and ensuring that your personal data is handled responsibly, securely, and in compliance with applicable laws.
1.4 By accessing or using our Services and providing your consent, you acknowledge and agree to the collection, use, storage, and disclosure of your personal data as described in this Policy.
2. Information We Collect
2.1 We may collect and process the following categories of personal data:
Identity Data: Name, date of birth, gender, marital status, education, employment details, organization, and identification documents.
Profile Data: Username, password, preferences, interests, feedback, and survey responses.
Contact Data: Email address, phone number, and residential address.
Financial Data: Bank account details, income information, tax-related data, and financial records.
Transaction Data: Details of payments, transactions, and services availed.
Credit Data: Credit score and related information obtained from authorized credit bureaus (with consent).
Marketing & Communication Data: Preferences for receiving updates, offers, and promotional content.
Technical Data: IP address, browser type, device information, and operating system.
Usage Data: Information about how you interact with our Platform and Services.
2.2 We do not access your personal device resources (such as contacts or media files), except for documents voluntarily uploaded for service-related purposes. Access to camera, microphone, or location will only be requested with your explicit consent.
2.3 Certain information is mandatory for providing Services. Failure to provide such data may limit or prevent access to specific Services.
2.4 We may also collect anonymized or aggregated data for analytical and research purposes, which does not identify you personally.
3. How We Collect Your Data
We collect your personal data through:
Direct Interactions: When you register, apply for services, or communicate with us.
Automated Technologies: Through cookies, analytics tools, and similar technologies.
Third Parties: Including credit bureaus, partners, and analytics providers, in compliance with applicable laws and with your consent.
4. Use of Personal Data
4.1 Your personal data is processed for the following purposes:
Account registration and verification
Delivery and management of Services
KYC and regulatory compliance
Transaction processing and payment facilitation
Enhancing user experience and platform performance
Communication of updates, offers, and service-related information (with consent)
Fraud detection and prevention
Compliance with legal and regulatory obligations
4.2 Financial and credit data will only be shared with authorized parties with your consent.
4.3 We may collaborate with regulated entities such as account aggregators to enhance service offerings, in compliance with applicable laws.
4.4 Customer support may involve co-browsing or screen-sharing assistance (only with your consent), and no data from such sessions is recorded or stored.
5. Sharing of Personal Data
We may share your personal data:
With our affiliates, subsidiaries, and trusted service providers for legitimate business purposes
With regulatory authorities, government bodies, or law enforcement agencies where required by law
With third parties, only with your consent or as necessary to provide Services
6. Data Security
We implement appropriate technical and organizational measures to safeguard your personal data against unauthorized access, misuse, loss, or disclosure, in line with industry standards and legal requirements.
7. Data Retention & Deletion
Personal data is retained only for as long as necessary to fulfill business, legal, or regulatory obligations.
Upon completion of the retention period, data is securely deleted, anonymized, or destroyed.
8. Your Rights
Subject to applicable laws, you have the right to:
Access, update, or correct your personal data
Request deletion of your data
Withdraw consent where processing is based on consent
Object to certain types of data processing
To exercise your rights, please contact our Grievance Officer.
9. Data Storage & Transfer
All personal data is securely stored within India. We do not transfer your data outside the country.
10. Third-Party Links
Our Platform may contain links to third-party websites. TFSL Group is not responsible for the privacy practices or content of such external sites.
11. Cookies Policy
Cookies are used to enhance user experience, personalize content, and analyze website traffic.
Cookies do not access personal data stored on your device.
Users may manage cookie preferences through their browser settings.
Third-party cookies may be used, which are governed by their respective policies.
12. Business Transfers
In the event of a merger, acquisition, restructuring, or sale of assets, your personal data may be transferred as part of the business transaction, subject to this Policy.
13. Updates to This Policy
TFSL Group reserves the right to update this Privacy Policy from time to time. Any changes will be posted on this page, and where required by law, you will be notified accordingly.