Privacy Policy

1. Introduction

Welcome to Dev Kripa Fincrop ("we," "our," or "us"). 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.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not access or use our services.

2. Information We Collect

We collect information that you provide directly to us, including:

Personal Identification Information: Name, email address, phone number, date of birth, gender, PAN card number, Aadhaar number, and address.
Financial Information: Employment details, income information, bank account details, and credit history for loan processing.
Documents: Identity proofs, address proofs, income documents, and photographs as required for loan applications.
Communication Data: Messages, queries, and feedback you send to us through our contact forms or customer support.
Career Applications: Resume, qualifications, work experience, and other details submitted for job applications.

3. How We Use Your Information

We use the information we collect for the following purposes:

To process and evaluate your loan applications
To verify your identity and prevent fraud
To communicate with you regarding your application status
To provide customer support and respond to inquiries
To send you updates about our services and promotional offers (with your consent)
To comply with legal and regulatory requirements
To improve our website and services
To process job applications and recruitment

4. Information Sharing and Disclosure

We may share your information with:

Partner Banks and NBFCs: To process your loan applications with our lending partners.
Credit Bureaus: To verify creditworthiness and credit history.
Service Providers: Third-party vendors who assist in our operations (document verification, SMS services, etc.).
Legal Authorities: When required by law, court order, or government regulations.
Business Transfers: In connection with any merger, acquisition, or sale of company assets.

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

Encryption of sensitive data during transmission (SSL/TLS)
Secure storage of data with access controls
Regular security assessments and updates
Employee training on data protection practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. This includes:

Active loan applications and accounts: Duration of the relationship plus 7 years
Rejected applications: Up to 3 years
Marketing communications: Until you opt-out
Job applications: Up to 2 years

7. Your Rights

You have the following rights regarding your personal information:

Access: Request access to your personal data we hold
Correction: Request correction of inaccurate or incomplete data
Deletion: Request deletion of your data (subject to legal requirements)
Opt-out: Opt-out of marketing communications at any time
Portability: Request a copy of your data in a structured format
Withdrawal of Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the details provided below.

8. Cookies and Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small files stored on your device that help us:

Remember your preferences
Analyze website traffic and usage patterns
Improve our services

You can control cookie settings through your browser. Disabling cookies may affect some features of our website.

9. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

12. Grievance Officer

In accordance with the Information Technology Act, 2000 and rules made thereunder, the name and contact details of the Grievance Officer are provided below:

Name: Jitendra Parmar

Email: grievance@devkripafincrop.com

Phone: +91 95846 33647

Address: Shujalpur, Madhya Pradesh, India