🔒 Privacy Policy

1.1. Personal Information

• Full name, email address, and mobile number.
• PAN, Aadhaar, and other identity documents (for CPs).
• Bank account details (for commission payments).
• Address and location information.

1.2. Customer Information (provided by CPs)

• Customer names, contact details, and financial information.
• Loan requirements and property details.
• Employment and income information.

1.3. Technical Information

• IP address, browser type, and device information.
• Usage data and interaction with the platform.
• Cookies and tracking technologies.

• To provide and maintain our services.
• To process commissions and payments.
• To verify CP and customer identities.
• To communicate with you about your account and services.
• To improve our platform and user experience.
• To comply with legal and regulatory requirements.
• To detect and prevent fraud and security issues.

• CPs must obtain proper consent from customers before sharing their information.
• CPs are responsible for protecting customer data they collect.
• CPs must not misuse or share customer information with unauthorized third parties.
• In case of a data breach caused by a CP, the CP shall be held liable.

We do not sell your personal information. We may share your information in the following cases:

• With Financial Institutions: To process loan applications.
• With Service Providers: To help us operate our platform.
• With CPs: CPs may have access to customer information they refer.
• Legal Compliance: When required by law or to protect our rights.

• Data encryption in transit and at rest.
• Secure access controls and authentication.
• Regular security audits and monitoring.
• Employee training on data protection.

5.1. CP Security Obligations

• CPs must use strong passwords and protect their account credentials.
• CPs must immediately report any security incidents to the platform.
• CPs are responsible for the security of customer data they collect.

6.1. CP Liability

• Channel Partners are fully responsible for money collected from customers.
• If a CP collects money from a customer and fails to deliver services, the CP shall be held liable.
• The platform reserves the right to take legal action against CPs involved in fraud.

6.2. Customer Protection

• We recommend customers verify CP credentials before making any payments.
• The platform is not liable for any financial disputes between CPs and customers.
• Customers should report any fraudulent activity to us immediately.

We retain your personal information for as long as necessary to:

• Provide our services to you.
• Comply with legal and regulatory requirements.
• Resolve disputes and enforce our policies.
• Improve our platform and services.

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data.
• Correction: Request correction of inaccurate data.
• Deletion: Request deletion of your data (subject to legal obligations).
• Objection: Object to processing of your data.
• Data Portability: Request transfer of your data.

To exercise any of these rights, please contact us at: support@bhagyodayfinance.com

Channel Partners who collect customer data agree to:

• Comply with all applicable data protection laws.
• Protect customer data with appropriate security measures.
• Not share customer data with unauthorized third parties.
• Notify the platform immediately of any data breach.
• Delete customer data when no longer needed.

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new policy on our platform.
• Sending an email notification to registered users.
• Displaying a notice on the platform.

We encourage you to review this policy periodically for any changes.

If you have any questions or concerns about our Privacy Policy:

• Email: support@bhagyodayfinance.com
• Phone: +91-92251 07515
• Address: Bhagyoday Finance, India