Policy

1. IntroductionSwamee Finncorp (“Swamee Finncorp”, “we”, “us”, “our” or “Business”) respects the privacy of individuals who visit our website, communicate with us, submit enquiries or use our services.This Privacy Policy explains what information we may collect, why we collect it, how we use it, how it may be shared, how we protect it and the choices available to individuals.Swamee Finncorp operates in the finance-related services sector. Depending on the service requested, we may need to collect identity, contact, financial-related or documentation information to evaluate enquiries, communicate with users, provide requested services and meet applicable legal or operational requirements.This Privacy Policy should be read together with our Terms & Conditions and any additional privacy notice or consent statement presented when you use a particular service.India’s Digital Personal Data Protection Act, 2023 establishes requirements concerning processing of digital personal data and provides for consent that is free, specific, informed, unconditional and unambiguous, subject to the Act and applicable commencement provisions. The Digital Personal Data Protection Rules, 2025 were subsequently notified by the Ministry of Electronics and Information Technology with phased commencement provisions.

2. Information We Collect

2.1 User InformationDepending on the service, we may collect:full name;mobile number;email address;postal/business address;identification information;date of birth where legitimately required;occupation or business information;documents submitted for service purposes;information contained in applications or enquiries;service preferences;correspondence with Swamee Finncorp; andother information reasonably necessary for the requested service.We seek to collect information that is relevant to the purpose for which it is processed.
2.2 Financial and Application InformationWhere a particular service requires financial information, we may process information supplied by the user in connection with that service.Depending on the service, this may include information relating to income, employment, business activities, financial requirements, application details, supporting documents or other information voluntarily provided by the customer.Swamee Finncorp will not request information that is unnecessary for the stated purpose merely for the sake of collecting additional personal information.
2.3 Device InformationWhen you use our website, certain technical information may automatically be collected, including:IP address;browser type;operating system;device type;approximate technical location information;pages visited;access time;referral information;device identifiers where technically necessary; anddiagnostic information.This information may help us maintain website security, understand technical problems and improve website performance.
2.4 CookiesWe may use cookies and similar technologies to remember preferences, understand website usage, maintain sessions and improve functionality.Users may be able to control cookies through browser settings, although disabling certain cookies may affect website functionality.
2.5 Message DataWhen you communicate with Swamee Finncorp through WhatsApp, RCS, SMS, email, website forms or other channels, we may process information contained in those communications.This may include:mobile number;email address;message content;attachments;enquiry details;communication timestamps;delivery or status information;customer-service records; andinformation necessary to respond to your request.We process message information only for legitimate business, service, communication, compliance and security purposes.

3. Purpose of Data CollectionSwamee Finncorp may collect personal data for purposes including:responding to enquiries;providing requested services;communicating with customers;processing applications;verifying information;managing customer relationships;providing customer support;maintaining records;processing payments;preventing fraud and misuse;improving our website and services;complying with legal requirements;responding to lawful governmental or regulatory requests;maintaining information-security controls; andsending permitted service or promotional communications.We aim to limit processing to purposes that are reasonably connected to the service or interaction involved.

4. Consent for WhatsApp & RCS Data ProcessingWhere consent is required, Swamee Finncorp may request permission before using a user’s personal data for WhatsApp, RCS or other business messaging.For example, a user may provide a mobile number and expressly request that Swamee Finncorp communicate with them through WhatsApp or RCS.By voluntarily initiating a communication or providing contact information for a specified communication purpose, the user acknowledges that the information may be processed to respond to that request, subject to applicable law.For promotional communications, Swamee Finncorp will use appropriate consent and opt-out mechanisms where required.Users may request cessation of non-essential communications.WhatsApp and RCS communications may involve third-party infrastructure operated by Meta/WhatsApp, Google, telecommunications operators or other service providers. Their respective privacy policies and terms may also apply.

5. Legal Basis for ProcessingDepending on the circumstances and applicable law, Swamee Finncorp may process personal data on the basis of:consent;provision of a requested service;legitimate and lawful business purposes;compliance with applicable legal obligations;fraud prevention and security;responding to communications initiated by the user; orother lawful grounds recognised under applicable Indian law.Where consent is the basis for processing, applicable Indian data-protection requirements concerning informed and meaningful consent will be followed.The DPDP Act provides that consent should be free, specific, informed, unconditional and unambiguous with clear affirmative action, and provides for withdrawal of consent subject to the Act.

6. How We Use Collected DataSwamee Finncorp may use personal data to:communicate with customers;respond to enquiries;provide requested financial-related services;process applications and documentation;authenticate or verify information;maintain customer records;issue service-related notifications;provide customer support;send permitted marketing communications;detect and prevent fraud;protect website and communication systems;analyse website performance;maintain operational records;satisfy legal or regulatory obligations; andexercise or defend legal rights.We do not intend to use personal information for unrelated purposes without an appropriate legal basis or notice where required.

7. Data Retention & DeletionSwamee Finncorp retains personal data only for as long as reasonably necessary for the purposes for which it was collected, unless a longer period is required or permitted by applicable law, contractual obligations, dispute resolution, accounting requirements, regulatory requirements or legitimate record-keeping needs.When personal data is no longer required, Swamee Finncorp may delete, anonymise or securely dispose of it.Deletion may not always be immediate where information is required to comply with law, establish or defend legal claims, maintain mandatory records, prevent fraud or complete an existing transaction.Where a user requests deletion, we will assess the request against applicable legal and operational requirements.

8. Data Sharing with Third PartiesSwamee Finncorp may share or disclose personal information with appropriate third parties where reasonably necessary for providing services, operating our business or complying with law.These parties may include:Meta / WhatsAppWhere WhatsApp business messaging is used, relevant information may be processed through Meta or WhatsApp infrastructure.Google / RCS ProvidersWhere RCS or related technology is used, message and communication information may be processed through Google and/or relevant RCS service infrastructure, depending on the implementation.Telecom OperatorsMobile network operators and telecommunications providers may process communication metadata and message-routing information as necessary to deliver communications.Technology and Service ProvidersWe may use hosting providers, CRM systems, customer-support platforms, payment processors, security providers, analytics services and other vendors.Legal and Regulatory AuthoritiesInformation may be disclosed where required by applicable law, court order, regulatory direction or lawful governmental request.Swamee Finncorp does not authorise third parties to use customer data for unrelated purposes merely because they receive data in the course of providing services.

9. Security Measures & EncryptionSwamee Finncorp takes reasonable technical and organisational measures to protect personal information from unauthorised access, disclosure, alteration, loss or misuse.Depending on the service and technology involved, security measures may include:access controls;password protection;encryption in transit where supported;secure hosting practices;authentication controls;restricted administrative access;monitoring and logging;backup and recovery procedures; andreasonable organisational safeguards.No online system can be guaranteed to be completely secure.Users should therefore avoid sending highly sensitive information through an ordinary communication channel unless specifically requested through an appropriate secure process.Where WhatsApp or RCS is used, message security and encryption characteristics may also depend on the respective platform and communication infrastructure.

10. Cookies & Tracking TechnologiesSwamee Finncorp may use cookies, pixels, logs and similar technologies.Cookies may be used for:essential website functionality;session management;security;remembering preferences;understanding website traffic;improving performance; andmeasuring the effectiveness of permitted communications or marketing.Some third-party services used on our website may also place cookies or collect technical information according to their own policies.Users can manage many cookie preferences through their browser.

11. Data Transfer & StorageSwamee Finncorp primarily operates from Maharashtra, India.Where practical and appropriate, business records may be maintained using systems or service providers located in India.However, certain technology providers, messaging platforms, cloud infrastructure providers or other third parties may process data outside India depending on their infrastructure and service architecture.Where personal data is transferred or processed outside India, Swamee Finncorp will take steps required under applicable Indian law and contractual arrangements.Users acknowledge that digital communications may involve multiple technical systems necessary for delivery.

12. User Rights — Access, Correction & DeletionSubject to applicable law and the operational requirements of the relevant service, individuals may contact Swamee Finncorp regarding personal information associated with them.Requests may include:asking what personal information is being processed;requesting correction of inaccurate information;requesting deletion where legally permissible;withdrawing consent where consent is the applicable basis;requesting cessation of certain communications; andraising concerns regarding the handling of personal data.Requests should be made using the contact information stated in this Privacy Policy.The DPDP Act recognises rights relating to access, correction and erasure, grievance redressal and withdrawal of consent, subject to the applicable statutory framework.Where deletion or withdrawal cannot be fully implemented because information must legally be retained or processed, Swamee Finncorp will explain the applicable limitation where appropriate.

13. Policy for ChildrenSwamee Finncorp’s services are generally intended for individuals who are legally capable of entering into applicable arrangements.We do not knowingly seek to collect children’s personal data for unrelated purposes.Where applicable law requires verifiable parental consent or additional safeguards for processing children’s personal data, Swamee Finncorp will apply the requirements relevant to that processing.If a parent or lawful guardian believes that information concerning a child has been submitted improperly, they may contact us using the details below.

14. Third-Party Websites and ServicesOur website or communications may contain links or references to third-party websites, applications or services.Swamee Finncorp does not control the privacy practices of independent third parties.Users should review the applicable privacy policies before providing information directly to those third parties.Examples may include financial institutions, payment providers, Meta/WhatsApp, Google, telecommunications operators and other service providers.

15. Marketing Communications and Opt-OutSwamee Finncorp may send service-related communications necessary to fulfil a customer’s request or maintain an existing relationship.Where legally permitted and where appropriate consent exists, we may also send promotional or informational communications.Users may request that promotional communications stop.Opting out of marketing communications does not necessarily stop essential service, security, transaction, legal or account-related communications.For WhatsApp or RCS communications, available platform-level controls may also be used to manage certain communications.

16. Fraud Prevention and ComplianceBecause Swamee Finncorp operates in a finance-related sector, preventing fraud, impersonation, misuse of identity information and unauthorised transactions is an important part of responsible service operation.We may use personal information to verify customer information, identify suspicious activity, investigate misuse, maintain records and comply with applicable legal requirements.Where legally required, information may be disclosed to competent authorities.Swamee Finncorp will not represent that it is an RBI-regulated entity unless the applicable regulatory status exists and is expressly identified.Where Swamee Finncorp works with a regulated financial institution, that institution may independently apply its own regulatory, KYC, credit, risk and data-processing requirements.

17. Updates to Privacy PolicySwamee Finncorp may periodically update this Privacy Policy to reflect:changes in our services;new technology;changes in messaging channels;changes in data-processing practices;changes in legal or regulatory requirements; orimprovements to our privacy practices.The revised policy will be published on the website with an updated effective date.Where legally required, we may provide additional notice or obtain fresh consent for material changes.Users are encouraged to review this page periodically.

18. Governing Law (India)This Privacy Policy is governed by applicable laws of India.Privacy and data-processing activities will be subject to applicable Indian laws and regulations, including the Digital Personal Data Protection Act, 2023 and applicable rules and notifications as and when relevant to the processing concerned. The Government’s published materials identify the DPDP Rules, 2025 and their phased commencement framework.Any dispute relating to this Privacy Policy shall be subject to the jurisdiction of competent courts having jurisdiction over Pune, Maharashtra, subject to applicable law.

19. Contact InformationIf you have questions regarding this Privacy Policy, wish to request correction or deletion of personal information, want to withdraw applicable consent, or wish to raise a privacy-related concern, please contact:Swamee FinncorpAddress:
F-26, F Residence Plaza, Pune, Vadgaon Sheri, Above ICICI Bank, Pune, Maharashtra – 411014Email: swameefinncorp@gmail.comPhone: 9860762736When contacting us about personal data, please provide sufficient information for us to understand and process your request. We may need to verify the identity of the requester before disclosing or modifying personal information.20. AcknowledgementBy using Swamee Finncorp’s website or voluntarily providing information for a requested service, you acknowledge that you have had an opportunity to review this Privacy Policy.Where applicable law requires specific consent, Swamee Finncorp will seek such consent through an appropriate mechanism.This Privacy Policy does not override any specific statutory rights or obligations applicable to an individual or to Swamee Finncorp.