Privacy Policy

Last updated: August 16, 2026

1. Introduction

Pristine Finserve ("we", "our", "us", or "the Company") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, and the choices you have regarding your data when you visit our website (the "Site") or use our loan consultancy, financial advisory, and related services.

By accessing or using our website or services, you consent to the collection, use, and disclosure of your information in accordance with this Privacy Policy. Please read this document carefully. If you do not agree with any part of this policy, you should stop using our website and services.

2. Information We Collect

We collect information in two ways: information you provide directly to us, and information we collect automatically when you use our website.

2.1 Information You Provide Directly

Personal identification information: your name, date of birth, gender, and photograph.
Contact details: email address, phone number, WhatsApp number, and residential or office address.
Financial information: income details, employment details, bank account information, credit score details, and loan-related documents you voluntarily share for loan processing.
Service-related information: details of the products or services you enquire about, including loan type, amount, and tenure preferences.
Communications: records of your correspondence with us, including emails, call recordings (where legally permitted), and chat transcripts.

2.2 Information Collected Automatically

Device and browser information: IP address, browser type and version, operating system, device identifiers, and screen resolution.
Usage data: pages visited, time spent on pages, referral URLs, click patterns, and the actions you take on our website.
Cookies and similar technologies: we may use cookies, local storage, and analytics tools to improve your browsing experience. You can disable cookies through your browser settings, although some features may not function properly.

3. How We Use Your Information

We use the information we collect for the following purposes:

To process your loan enquiries and facilitate applications with banks, NBFCs, and other financial institutions.
To verify your identity and eligibility, prevent fraud, and ensure the security of our services.
To provide customer support and respond to your queries, requests, and complaints.
To send you important service-related communications, such as application status updates and payment reminders.
To improve our website, services, and user experience through analysis of usage patterns.
To send you promotional offers, newsletters, and marketing communications, where you have opted in. You may unsubscribe at any time.
To comply with legal, regulatory, and contractual obligations, including tax and audit requirements.

4. Legal Basis for Processing (DPDP Act Context)

In compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), we process your personal data on one or more of the following lawful bases:

Consent: where you have given us explicit consent to process your data for specific purposes.
Contractual necessity: where processing is necessary to provide services you have requested or to take steps before entering into a contract.
Legal obligation: where we must process data to comply with applicable laws and regulations.
Legitimate interest: where processing is necessary for our legitimate business interests, provided your rights and freedoms are not overridden.

You have the right to withdraw your consent at any time by contacting us. Withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal.

5. Sharing and Disclosure of Information

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following circumstances:

With financial partners: your information may be shared with banks, NBFCs, insurance companies, and other lending institutions strictly for the purpose of processing your loan or financial product application.
With service providers: we may share data with trusted vendors who help us operate our website, manage IT infrastructure, provide analytics, or deliver communications. These vendors are bound by confidentiality agreements.
For legal compliance: we may disclose information when required by law, court order, or government authority, or when we believe such disclosure is necessary to protect our rights, safety, or property.
Business transfers: in the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to applicable law.

Where we share your data with third parties, we take reasonable steps to ensure they provide adequate safeguards for your information.

6. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your personal information from unauthorised access, disclosure, alteration, and destruction. These measures include encrypted data transmission (SSL/TLS), restricted access controls, secure data storage, and regular security reviews.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your data, we cannot guarantee absolute security. You are also responsible for keeping your login credentials, if any, confidential.

7. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer required, we take reasonable steps to delete or anonymise it.

Records related to loan applications and financial transactions may be retained for the period required by applicable Indian laws and regulations, after which they are securely disposed of.

8. Your Rights

Subject to applicable law, you have the following rights regarding your personal information:

Right to access: request a copy of the personal data we hold about you.
Right to correction: request correction of inaccurate or incomplete data.
Right to erasure: request deletion of your personal data in certain circumstances.
Right to withdraw consent: withdraw consent to processing where processing is based on consent.
Right to restrict processing: request restriction of processing in certain circumstances.
Right to data portability: request transfer of your data to another service provider, where technically feasible.
Right to complain: lodge a complaint with the appropriate data protection authority if you believe your rights have been violated.

To exercise any of these rights, please contact us using the details provided in Section 11 of this policy. We will respond to your request within a reasonable timeframe, as required by law.

9. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance functionality and analyse usage. Cookies are small text files stored on your device. We use:

Essential cookies: required for the website to function, such as session management.
Analytics cookies: help us understand how visitors interact with our site so we can improve it.
Preference cookies: remember your choices, such as language or region.

You can control or delete cookies through your browser settings. Blocking all cookies may affect your experience and prevent some features from working correctly.

10. Third-Party Links

Our website may contain links to third-party websites, including those of banks, NBFCs, and other financial service providers. This Privacy Policy applies only to our website. We are not responsible for the privacy practices of third-party websites, and we encourage you to review their privacy policies before providing any personal information.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact us:

Pristine Finserve
RT-89 & 104, Tower C, Urbtech Trade Center, B Block, Sector 132, Noida, Uttar Pradesh-201304
Email: info@pristinefinserve.com
Phone: +91 9899360744

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes by posting the updated policy on this page with a revised "Last Updated" date. We encourage you to review this page periodically to stay informed about how we protect your information.