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Digital Lending Guideline

By registering yourself at financebuddha.com, you are authorizing us and our associate partners to contact you with regards to offers and promotions for their services along with the product you have opted for. In addition, we might contact you to offer promotional offers running on the website & offers offered by the associated third parties and. By registering, you are also authorising us to call you for products and services in spite of the fact that you may be registered in the DND (Do not Disturb) / DNC (Do not Call) registry.
This Policy covers financebuddha.com's treatment of personally identifiable information that financebuddha.com collects when you are on the Finance Buddha site, and when you use financebuddha.com services. This policy does not apply to the practices of companies that financebuddha.com does not own or control, or to people that financebuddha.com does not employ or manage.
Also during registration, you will be requested to register your mobile phone and email id to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send sms/email alerts to you
If at any time you wish to stop these SMS/email alerts all you have to do is write an email to customercare@financebuddha.com with your mobile numbers and your mobile number will be deleted from the alerts list
Product information and Link to Websites
The list of Lenders we are partnered with and the product details along with the charges and the Link to their respective Websites

Name of the Lender

Loan Offer

Website Details

HDFC Bank

Loans Upto 75Lks- ROI starting 10.50%-Fees- From 2K to 5K

www.hdfcbank.com

IDFC Bank

Loans Upto 25Lks- ROI Starting 13%- Fees- 1% to 2% of the Loan Amount

www.idfcbank.com

Bajaj Finance

Loans Upto 30Lks- ROI Starting 14%- Fees- 1% to 2% of the Loan Amount

www.bajajfinance.com

Aditya Birla Finance

Loans Upto 50Lks- ROI Starting 14%- Fees- 1% to 2% of the Loan Amount

www.adityabirlafinance.com

Money View

Loans Upto 5Lks- ROI Starting 18%- Fees-2% to 4% of the Loan Amount

www.moneyview.in

Niro Finance

Loans Upto 5Lks- ROI Starting 18%- Fees-2% to 4% of the Loan Amount

www.niro.money

Navi Finance

Loans Upto 5Lks- ROI Starting 18%- Fees-2% to 4% of the Loan Amount

www.navi.com

Cashe Finance

Loans Upto 3Lks-ROI Starting 18%- Fees- 2% to 5% of the Loan Amount

www.cashe.co.in

Fibe

Loans Upto 3Lks-ROI Starting 18%- Fees- 2% to 5% of the Loan Amount

www.portal.fibe.in

Credit Bee

Loans Upto 3Lks-ROI Starting 18%- Fees- 2% to 5% of the Loan Amount

www.kreditbee.in

Vivifin

Loans Upto 3Lks-ROI Starting 18%- Fees- 2% to 5% of the Loan Amount

www.vivifin.com

Flexi Loans

Loans Upto 30Lks-ROI Starting 18%- Fees-2% to 5% of the Loan Amount

www.flexiloans.com

Indifi Finance

Loans Upto 30Lks-ROI Starting 18%- Fees-3% to 5% of the Loan Amount

www.indifi.com

L&T Finance

Loans Upto 7.5Lks- ROI starting 11%- Fees-2% of the Loan Amount

www.ltfs.com

Incred Financials

Loans Upto 3Lks-ROI Starting 18%- Fees- 2% to 5% of the Loan Amount

www.incred.com

Money Tap

Loans Upto 5Lks- ROI Starting 18%- Fees-2% to 4% of the Loan Amount

www.moneytap.com

Credit Saison

Loans Upto 5Lks-ROI starting 11%-Fees-2% to 4% of the Loan Amount

www.Creditsaison.in

Grievance Redressal
Nodal Officer
The Company has appointed a Nodal Grievance Officer to redress customer grievances relating to any digital lending-related complaints.

The name and contact details of the Nodal Grievance Officer are provided below

Name: Vijay kumar.

Email: servicehead@financebuddha.com


Grievance Redressal Link

If any complaint against any of our lending partners or us is not resolved within a 30 day period you can reach out to the RBI Complaint management system through the following link (https://cms.rbi.org.in/)

Data Privacy
Collection of Data

The collection of the data is done by self-declaration of the customer, and only fields collected are the ones which allows the customer to apply for the loan application, all information is collected with full customer consent and validated through an OTP process with the customer. In addition, the company keeps the data in a secured environment on data compliant servers in AWS, and the same could be made available for audits. The full audit trail and logs are maintained by the customer.

Revoke Consent

As a customer if you feel that we do not require the retention of your personal information or if you ask us to delete or remove your personal data where you think we do not have the right to process it we shall destroy or delete such Customer information. You may, at any time while availing of our Services or otherwise, withdraw the consent given earlier to us to collect and use your sensitive personal data or information by writing to us at customercare@financebuddha.com

Sharing the data with Third parties

Finance Buddha will not sell or rent or otherwise disclose your information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy. Notwithstanding the foregoing, we may share your information to third parties including our group Company, employees, agents, business partner (Banks/NBFCs),CICs, Payment Aggregator and Service Providers we have a tie up with and any of our affiliates, for the purposes as set out in this Privacy Policy. These third parties are required to handle your information using the same level of care and confidentiality as is followed by Financebuddha and any accessing or processing of your information by these third parties is in accordance with contractual terms, applicable laws and our instructions and subject to your consent.

Data storage

We receive and store any information or document you enter or upload on our Website or give us in any other way, in line with the product or service opted by you and as required by us or our business partners, including your personal information like first name, last name, email address, date of birth, residence city etc.. You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features. We neither collect nor store your biometric information.We might receive information about you from other sources and add it to our account information.

The data storage happens on AWS servers located within India, in addition the data is stored only from the purpose of the loan application and not for any secondary purposes. The only use of the data is for loan application processing and for loan offer creation for the customer, explicit consent is taken from the customer before processing the loan application. In addition, the customer has a dedicated customer service helpline where they can choose to write to for us to permanently delete any stored data that the company may have on the customer. In addition the clear privacy policy is displayed on financebuddha.com for the customer to check, in case the customer has any grievance they can write directly to our customer service desk.

Bio Metric

We neither collect nor store your biometric information

Server Location

Finance Buddha stores your personal information only at servers located in India. FinanceBuddha may retain your information including personal information as the same may be required to provide you the services for the product that you have inquired or opted and for as long as it is required for the above purpose or mandated in our arrangements with our business partners. Retention of information is done as per this policy subject to compliance with applicable law/regulatory requirements in India.

Technology

We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. We have put in place appropriate security measures to deal with any suspected data security breach However, no method of transmission over the Internet, or method of electronic storage, is 100% secure.  The purpose of data collection is only for loan processing and is part of the T&C for the customer, also part of the privacy policy, the same is also communicated to the customer through any communication carried out by us.

Third Party Data Collection

We do not use any third party for data collection, all data is collected from self-declaration by the customer.

Link to RBI Website for Details

Please use the following link for more details : https://sachet.rbi.org.in

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