Privacy Policy
Ganga Finance Services – Jind, Haryana
📧 Email: gangafinanceservices@gmail.com
🌐 Website: www.gangafinanceservices.com
1. Introduction
This Privacy Policy is published in accordance with the provisions of the Information Technology Act, 2000, and the Information Technology (Intermediaries Guidelines) Rules, 2011.
At Ganga Finance Services (“Company”, “we”, “our”, or “us”), we value your privacy and are committed to protecting your personal information. This policy explains how we collect, use, store, and share your data when you visit or use our website (www.gangafinanceservices.com) or our mobile platform (“Platform”).
By accessing or using the Platform, you agree to this Privacy Policy and our Terms of Use. If you do not agree, please discontinue using the Platform. We may modify this policy at any time without prior notice, and the latest version will always be available on our website.
2. Information We Collect
We may collect the following types of data:
a. Information You Provide:
Details you submit through forms, registrations, or correspondence, including your name, email, address, phone number, PAN, financial details, and documents related to loan or service applications.
b. Information We Collect Automatically:
When you use the Platform, we may collect:
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Device details (model, OS, IP address, browser type)
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Location and network data
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Usage logs (pages visited, time spent, etc.)
c. Information from Your Device (with consent):
We may access limited data such as contacts, photos, or storage files, but only when explicitly permitted by you for service purposes.
3. How We Use Your Information
Your information helps us to:
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Provide and improve our financial services
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Process loan or credit applications
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Contact you for assistance, verification, or follow-up
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Send service updates, reminders, and promotional offers
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Analyze user activity to enhance our website and customer experience
You authorize Ganga Finance Services to contact you via phone, SMS, WhatsApp, or email regarding your inquiries or applications, even if your number is registered on DND.
4. Data Sharing and Disclosure
We may share your information only under the following conditions:
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With Banking & NBFC Partners: To process your loan or credit application.
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Legal Requirements: To comply with applicable laws, court orders, or government requests.
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Corporate Transactions: In case of a merger, acquisition, or sale of assets.
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Service Providers: With trusted third-party vendors assisting us in operations (under strict confidentiality).
We do not sell or rent your personal information to any third party.
5. Data Security
We implement industry-standard security practices to safeguard your information, including:
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Data encryption for sensitive information
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Secure access control and password protection
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Regular system audits and security testing
However, please note that no electronic system is completely secure, and users should take precautions such as keeping passwords confidential.
6. Cookies and Tracking
We may use cookies, web beacons, and pixel tags to enhance user experience and analyze Platform performance.
You may choose to disable cookies through your browser settings, but some features of the Platform may not function properly.
7. Data Retention
We retain your data only as long as necessary to fulfill the purposes stated in this policy or as required by law.
8. Third-Party Links
Our Platform may include links to external websites. Ganga Finance Services is not responsible for the privacy practices or content of such third-party sites. Users are encouraged to review their respective privacy policies.
9. Children’s Privacy
Our services are intended for users 18 years and older. We do not knowingly collect personal data from minors. If any such data is found, it will be deleted immediately.
10. Public and Shared Information
Information you post in public areas (such as reviews or feedback) becomes accessible to others. Please exercise caution before sharing personal information publicly.
11. Our Role as a Facilitator
Ganga Finance Services is not a direct lender. We are a facilitation platform that helps users connect with Banks and NBFCs for loans and financial products.
We have partnerships with multiple financial institutions, and the interest rates, tenures, and loan terms vary depending on the lender’s policy and the applicant’s profile.
Typically, personal loans facilitated through our platform range from 1 month to 84 months.
12. Your Rights
You have the right to:
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Request access to or correction of your data
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Withdraw consent for data processing (subject to contractual obligations)
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Request deletion of your data (as permitted by law)
You may contact us at gangafinanceservices@gmail.com for any privacy-related queries or requests.
13. Jurisdiction
This Privacy Policy shall be governed by the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the Courts of Jind, Haryana.
✅ By using our Platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
