Last updated: 01 April 2024
Approved by Board of Directors · Ashiana Fincap Private Limited
1. Introduction
Ashiana Fincap Private Limited is committed to protecting your personal data in accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable RBI guidelines.
2. Data We Collect
- Identity data: name, PAN, Aadhaar, date of birth
- Contact data: address, phone number, email
- Financial data: income, bank statements, ITR, credit bureau data
- Transaction data: loan account details, repayment history
- Device/Technical data: IP address, browser type (website usage)
3. Purpose and Lawful Basis
- Credit assessment and loan processing (contractual necessity / consent)
- KYC/AML compliance (legal obligation)
- Credit bureau reporting (legal obligation)
- Customer service and grievance handling (legitimate interest)
- Marketing communications (consent — opt-in only)
4. Data Retention
Personal data is retained as required by applicable law — typically 5–8 years post loan closure. Marketing data is retained until withdrawal of consent.
5. Your Rights (DPDP Act 2023)
- Right of access to personal data
- Right to correction and erasure (subject to legal obligations)
- Right to grievance redressal
- Right to withdraw consent (does not affect lawful prior processing)
- Right to nominate a representative
6. Data Fiduciary Contact
For data-related requests or withdrawal of consent, contact the Grievance Redressal Officer at gro@ashianafincap.com.