1 Information We Collect
Hum aapse ye information collect kar sakte hain jab aap hamari services use karte hain:
- Personal Information: Naam, mobile number, email address, Aadhaar number, PAN card, date of birth, address
- Financial Information: Bank account details, income proof, loan history, credit score
- Identity Documents: Government ID proofs jo loan processing ke liye zaroori hain
- Technical Data: IP address, browser type, device information jab aap hamari website visit karte hain
- Transaction Data: Payment history, EMI records, repayment details
2 How We Use Your Information
Aapki information ka use hum in purposes ke liye karte hain:
- Loan applications process karna aur approve/reject karna
- EMI reminders aur payment notifications bhejne ke liye
- Customer identity verify karna (KYC compliance)
- Customer support aur query resolution ke liye
- Legal aur regulatory compliance ke liye
- Service improvement aur internal analytics ke liye
3 Data Protection & Security
Hum aapke data ki security ke liye ye measures lete hain:
- SSL encryption se sabhi data transmissions secure hain
- Authorized personnel ko hi sensitive data ka access hota hai
- Regular security audits aur vulnerability checks kiye jaate hain
- Data ke secure servers par encrypted storage mein rakhte hain
- Strong password policies aur multi-factor authentication ka use
4 Data Sharing & Disclosure
Hum aapka data sirf in situations mein share kar sakte hain:
- Legal Requirement: Court order ya government authority ke request par
- Service Providers: Payment gateway, SMS providers jo hamari services chalane mein madad karte hain (unke saath strict agreements hote hain)
- Credit Bureaus: Loan repayment history report karne ke liye (legal requirement)
- With Your Consent: Jab aap explicitly permission de dein
5 Cookies & Tracking
Hamari website cookies use kar sakti hai taaki:
- Aapko better browsing experience mile
- Aapka login session yaad rahe
- Website ki performance improve ho
Aap apne browser ki settings se cookies disable kar sakte hain, lekin isse website ki kuch features properly kaam nahi karein gi.
6 Your Rights
Aapke paas ye rights hain apne data ke regarding:
- Access: Aap request kar sakte hain ki hum aapka kya data store kar rahe hain
- Correction: Agar koi information galat hai toh usse correct karwa sakte hain
- Deletion: Active loan na hone ki soorat mein data deletion ki request kar sakte hain
- Portability: Apne data ki copy maang sakte hain
7 Data Retention
Hum aapka data tab tak retain karte hain jab tak:
- Aapka loan active hai aur EMIs chal rahi hain
- Legal aur regulatory requirements fulfil hone tak (minimum 5-8 years as per RBI guidelines)
- Koi pending dispute ya complaint resolve na ho jaaye
8 Changes to This Policy
Hum is privacy policy ko samay-samay par update kar sakte hain. Koi bhi significant change hone par hum aapko notify karenge through email ya website notification. Is page ko regularly check karna recommended hai.
9 Contact Us
Agar aapke koi bhi sawaal hain is Privacy Policy ke baare mein, toh humse contact karein:
- Email: info@zmmfinancial.com
- Phone: +91 84689 19051
- Address: ZMM Financial Consulting Private Limited, India