Privacy Policy
Last Updated: 20/12/2024

At Taps Finance Advice Pvt. Ltd.(Taps Fintech), We value the privacy and confidentiality of our customers. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you use our services, including our website, mobile applications, and any related products. By using our services, you agree to the terms outlined in this Privacy Policy. If you do not agree with this policy, please refrain from using our services.
1. Information We Collect
We collect information that you provide to us directly, as well as information that is automatically collected when you interact with our services. This may include:
Personal Information:
Full Name
Address
Email Address
Phone Number
Date of Birth
Government-issued ID (e.g., Aadhaar, PAN, Passport)
Financial Information (Income, Bank Account Details, Loan History)
Employment Details
Device and Usage Data:
IP Address
Browser Type and Version
Device Type (smartphone, tablet, etc.)
Operating System
Geo-location Data (if enabled)
Usage Data (pages visited, time spent on our platform, clicks, etc.)
Sensitive Personal Data:
Your financial or credit history, including loan repayment details, credit score, and other similar information.
This data is necessary to evaluate your loan application and to provide personalized financial services.
2. How We Use Your Information
We use your information to deliver, improve, and personalize our services. The purposes for which we use your information include, but are not limited to:
Loan Processing: To assess your eligibility for loans and process your loan applications.
Customer Service: To respond to your inquiries, requests, and complaints.
Fraud Prevention: To verify your identity and prevent fraudulent activities.
Marketing and Communication: To send you updates, promotional offers, and other communications about our services (if you have consented to receiving such communications).
Legal and Compliance: To comply with applicable laws and regulations, such as reporting to credit bureaus or responding to legal requests.
Improving Services: To enhance and personalize your experience with our services, and to develop new features or products.
3. Sharing Your Information
We may share your personal information in the following circumstances:
With Third-Party Service Providers: We may share information with trusted service providers that help us process payments, verify identities, or conduct credit assessments. These parties are bound by confidentiality agreements and are only authorized to use your data for the purposes specified by us.
With Credit Bureaus: We may share your credit information and repayment history with credit bureaus, such as CIBIL, Experian, or others, to assess your creditworthiness.
For Legal Reasons: If required by law, regulation, or government order, we may disclose your information to regulatory authorities, law enforcement, or in the event of a merger or acquisition.
Business Partners: We may share your information with our business partners for joint marketing or other cooperative initiatives, but only with your consent.
4. Data Security
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, loss, misuse, or alteration. These measures include encryption, firewalls, and secure servers.
While we strive to protect your data, please note that no method of data transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute security.
5. Data Retention
We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. If you request to delete your information, we will take steps to ensure that it is removed, subject to legal retention obligations.
6. Your Rights
As our customer, you have the following rights regarding your personal data:
Access: You have the right to request access to the personal information we hold about you.
Correction: You can request corrections to inaccurate or incomplete data.
Deletion: You may request the deletion of your personal data, subject to legal and contractual obligations.
Objection: You have the right to object to the processing of your data in certain circumstances.
Withdraw Consent: You can withdraw consent for marketing communications at any time by opting out via the unsubscribe link or contacting us directly.
To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below.
7. Cookies and Tracking Technologies
We use cookies and similar tracking technologies (such as web beacons and pixels) to improve your experience with our website and mobile app. These technologies help us:
Personalize your experience.
Analyze trends and usage patterns.
Track your actions across multiple devices and services.
Provide targeted advertising (if applicable).
You can control cookies through your browser settings, but note that some features of our services may not work properly if cookies are disabled.
8. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal data from children. If you believe that we have collected data from a child under the age of 18, please contact us immediately, and we will take appropriate action.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be communicated by posting the updated policy on our website. The updated policy will take effect immediately upon posting. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your data.