Privacy Policy

1. Introduction

Welcome to Horifin. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services, including our loan, Recurring Deposit (RD) plan, Fixed Deposit (FD) plan, and Monthly Income Scheme (MIS) plan services.

2. Information We Collect

Horifin is fully aware that the information collected to provide our services might be considered sensitive personal data or information. Therefore, this information is being collected with your consent when you enroll on our platform. We collect the following personal information:

• Full Name and Gender
• Date of Birth
• Permanent Account Number (PAN)
• Aadhaar Number
• Contact Information (Phone Number, Mobile Number, Email Address)
• Residential Address
• Bank Account Details
• Employment Information
• Income Details
• Credit Score and Credit History
• Information related to loan applications, RD plans, FD plans, and MIS plans
• And required information as per loan plan

3. How We Use Your Information

We use your information for various purposes related to our services:

• Process and evaluate loan applications
• Set up and manage RD, FD, and MIS plans
• Conduct credit assessments and verify your identity
• Provide customer support and respond to inquiries
• Communicate with you about our services, offers, and updates
• Improve our website, products, and services
• Conduct market research and analysis
• Comply with legal and regulatory obligations
• Prevent fraud and ensure the security of our platform
• Personalize your experience on our website

4. Data Recipients, Transfer, and Disclosure

Horifin does not sell, trade, or otherwise transfer your personal information to outside parties. However, we may share your information with:

• Trusted third-party service providers who assist us in conducting our business and servicing you
• Financial institutions and credit bureaus for loan processing and credit assessment
• Regulatory authorities and government bodies as required by law
• Legal advisors and law enforcement agencies in case of suspected fraudulent activities
• Potential buyers or investors in case of a merger, acquisition, or sale of our business

All third parties are contractually obligated to keep your information confidential and use it only for the purposes specified by us.

5. Use of Cookies and Similar Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized services. These technologies allow us to:

• Remember your login details and preferences
• Analyze website traffic and usage patterns
• Personalize content and advertisements
• Improve our services based on your interactions

You can control cookie settings through your browser preferences. However, disabling cookies may limit your ability to use certain features of our website.

6. Data Security

We implement robust security measures to protect your personal information:

• Use of SSL (Secure Socket Layer) encryption for data transmission
• Regular security audits and vulnerability assessments
• Strict access controls and authentication procedures
• Employee training on data protection and privacy practices
• Secure data storage with encryption and regular backups

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure.

7. Your Rights and Choices

You have certain rights regarding your personal information:

• Access and review the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Object to or restrict the processing of your information
• Request the deletion of your personal information
• Withdraw consent for specific data processing activities
• Opt-out of marketing communications

To exercise these rights or for any privacy-related inquiries, please contact our Data Protection Officer using the contact information provided at the end of this policy.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from children. If you are under 18, please do not use our services or provide any personal information to us.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

10. Contact Information

If you have any questions, concerns, or complaints about this Privacy Policy or our data practices, please contact our Data Protection Officer:

Data Protection Officer
Horifin
Email: horifinindiapvtltd.info@gmail.com
Phone: +91 9795167256

We will respond to all inquiries within 10 business days of receipt.

11. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts in Varanasi, India.