Privacy Policy

Last Updated: December 3, 2025

Shree Ji Finance ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

1. Information We Collect

1.1 Personal Information

We collect the following personal information when you use our services:

Identity Information: Full name, father's name, mother's name, date of birth, gender
Contact Information: Email address, phone number, residential address
Financial Information: Bank account details, income information, employment details
Documents: Aadhaar card, PAN card, bank statements, selfie photographs, video declaration
Reference Information: Names and contact details of your references

1.2 Device Information

Device ID and model
Operating system version
Mobile network information
Location data (GPS coordinates)
IP address

1.3 Usage Information

App usage patterns
Loan application history
Payment history and EMI records
Communication with customer support

2. How We Use Your Information

We use your information for the following purposes:

Loan Processing: To evaluate, approve, and disburse loan applications
Identity Verification: To verify your identity and prevent fraud
Credit Assessment: To assess your creditworthiness and repayment capacity
Service Delivery: To provide, maintain, and improve our services
Communication: To send notifications about loan status, payment reminders, and important updates
Customer Support: To respond to your queries and provide assistance
Legal Compliance: To comply with legal and regulatory requirements
Risk Management: To detect and prevent fraud and unauthorized activities

3. Information Sharing and Disclosure

3.1 We may share your information with:

Credit Bureaus: To check your credit score and report loan information
Banking Partners: To process loan disbursement and repayments
Service Providers: Third-party vendors who assist in our operations (e.g., SMS, email, cloud storage)
Legal Authorities: When required by law or to protect our legal rights
Business Transfers: In case of merger, acquisition, or sale of assets

3.2 We do NOT sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures to protect your information:

Encryption of data in transit and at rest
Secure data storage on protected servers
Regular security audits and updates
Access controls and authentication mechanisms
Employee training on data protection

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your information for as long as necessary to:

Fulfill the purposes outlined in this policy
Comply with legal obligations (typically 5-7 years for financial records)
Resolve disputes and enforce our agreements

After the retention period, we will securely delete or anonymize your information.

6. Your Rights

You have the following rights regarding your personal information:

Access: Request access to your personal data
Correction: Request correction of inaccurate information
Deletion: Request deletion of your data (subject to legal requirements)
Objection: Object to processing of your information
Data Portability: Request transfer of your data
Withdraw Consent: Withdraw consent for data processing (may affect service availability)

To exercise these rights, contact us at privacy@shreejifinance.com

7. Location Data

We collect your location data to:

Verify your current location during loan application
Prevent fraudulent applications
Comply with regulatory requirements

You can disable location services, but this may affect your ability to use certain features.

8. Firebase Cloud Messaging

We use Firebase Cloud Messaging to send push notifications about:

Loan application status updates
EMI payment reminders
Important account notifications

You can disable notifications in your device settings.

9. Cookies and Tracking

Our website and app may use cookies and similar technologies to enhance user experience and analyze usage patterns. You can control cookie preferences through your browser settings.

10. Third-Party Links

Our app may contain links to third-party websites or services. We are not responsible for their privacy practices. Please review their privacy policies before providing any information.

11. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from minors.

12. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or email. Continued use of our services after changes constitutes acceptance of the updated policy.

13. Grievance Redressal

Grievance Officer:
Name: [Grievance Officer Name]
Email: grievance@shreejifinance.com
Phone: +91 95998 67200
Address: 123 Finance Street, Mumbai, Maharashtra 400001

We will respond to grievances within 30 days of receipt.

14. Contact Us

If you have questions about this Privacy Policy, please contact us:

Email: support@shreejifinance.com
Phone: +91 95998 67200
Address: 123 Finance Street, Mumbai, Maharashtra 400001

15. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.

By using Shree Ji Finance services, you acknowledge that you have read and understood this Privacy Policy.