Privacy Policy

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Introduction

This Privacy Policy (“Policy”) outlines the practices and procedures of AGF Finlease India Limited (“AGF,” “Company,” “we,” “us,” or “our”) concerning the collection, processing, storage, use, disclosure, and protection of Personal Information (as defined herein) of users (“you,” “your,” or “User”) when accessing and using our website www.flexifunds.in (“Website” or “Service”).

By accessing or using our Website and associated services, you expressly consent to the collection, use, and disclosure of your Personal Information in accordance with the terms of this Policy and any applicable laws, including but not limited to the Information Technology Act, 2000, and the rules framed thereunder, as well as the Prevention of Money Laundering Act, 2002, and any other applicable data protection regulations.

1. Information We Collect:

We may collect the following categories of Personal Information from you:

  • 1.1 Personal Identification Information:
    Includes but is not limited to name, residential and correspondence addresses, contact numbers, email address, date of birth, gender, nationality, and occupation.
  • 1.2 Financial and Transactional Information:
    Details related to your bank accounts, payment card information, credit history, income statements, and any other financial information necessary for the assessment of loan applications, creditworthiness, or for the provision of financial services.
  • 1.3 Official Identification Documents:
    Scanned copies or images of documents such as Permanent Account Number (PAN) cards, Aadhaar cards, voter identification cards, passports, driving licenses, and utility bills, as required for identity verification and regulatory compliance.
  • 1.4 Usage and Technical Information:
    Includes device information, IP address, browser type, operating system, access timestamps, referring URLs, and metadata associated with your usage of the Website or our Services.
  • 1.5 Cookies and Tracking Technologies:
    We deploy cookies and similar technologies to enhance your experience, analyse site traffic, and improve service offerings. You may opt to disable cookies through your browser settings; however, this may limit certain functionalities of the Website.

2. Purpose of Collection and Lawful Basis for Processing

Your Personal Information is collected and processed for legitimate business purposes, including but not limited to:

  • Facilitating and providing our financial services, including loan origination, processing, disbursal, and repayment management;
  • Verifying identity, conducting background checks, and evaluating creditworthiness;
  • Complying with applicable legal obligations, including Know Your Customer (KYC) norms, anti-money laundering regulations, and tax requirements;
  • Responding to your inquiries, complaints, and service requests;
  • Sending you transactional communications, policy updates, alerts, and marketing materials, where permitted;
  • Preventing fraud, unauthorised access, and data breaches;
  • Maintaining internal audit and compliance records as mandated under regulatory frameworks.

Disclosure of Information:

We may disclose your Personal Information to third parties under the following circumstances:

  • Regulatory and Legal Requirements
    Where mandated by law, regulation, or pursuant to legal process, we may share your information with regulatory authorities, courts, enforcement agencies, or financial intelligence units.
  • Affiliates and Service Providers:
    To entities performing services on our behalf such as data processing, credit assessment, payment processing, cloud storage, and KYC verification, subject to appropriate confidentiality obligations.
  • Business Transfers:
    In connection with any merger, sale, acquisition, or restructuring, provided the recipient agrees to maintain the confidentiality of the information.
  • With Your Explicit Consent:
    In instances where consent is obtained for specific disclosures not otherwise covered by this Policy.

Data Security Measures:

We implement appropriate technical, administrative, and organisational security controls to safeguard your Personal Information against loss, unauthorised access, alteration, disclosure, or destruction. Measures include encryption, firewalls, secure server environments, multi-factor authentication, and internal access control mechanisms.

However, despite our best efforts, we do not guarantee absolute security as no electronic transmission or storage system is entirely secure.

Retention of Data:

We shall retain your Personal Information for as long as necessary to fulfil the purposes outlined in this Policy, unless a longer retention period is required or permitted under applicable laws. This includes retention for:

  • Legal or regulatory compliance;
  • Internal audits and dispute resolution;
  • Fraud monitoring and prevention.

Upon fulfillment of the aforementioned purposes, or upon the receipt of a valid deletion request where applicable, we shall ensure the secure deletion or anonymisation of your Personal Information in accordance with our document retention policy.

Your Rights

Subject to applicable law and jurisdiction, you may have the following rights with respect to your Personal Information:

  • Right to Access: You may request access to the Personal Information we hold about you.
  • Right to Rectification: You may request corrections to any incomplete or inaccurate information
  • Right to Erasure: You may request the deletion of your Personal Information, subject to any overriding legal or regulatory obligations.
  • Right to Restrict Processing: You may request us to restrict or object to certain types of processing.
  • Right to Withdraw Consent: Where processing is based on consent, you may withdraw such consent at any time.
  • Right to Data Portability: Where applicable, you may request your data in a structured, machine-readable format.

To exercise these rights, please contact us using the contact information provided in Section 8.

Children’s Privacy

Our Services are not intended for use by individuals under the age of 18. We do not knowingly collect or solicit Personal Information from minors. If we become aware that we have inadvertently received such information, we will delete it from our records promptly.

Grievance Redressal Mechanism

In compliance with applicable laws and in the interest of transparency, we have appointed a Grievance Officer to address any queries, grievances, or concerns related to the processing of Personal Information:

Grievance Officer: Ms. Ankita
Phone: +91- 9821666805
Email: grievance@flexifunds.in

We are committed to acknowledging and resolving your concerns in a fair and timely manner, typically within 30 days from the date of receipt of the complaint.

Amendments to the Privacy Policy

We reserve the right to modify or amend this Privacy Policy at our sole discretion and at any time. Any material changes will be communicated through our Website, and where required by law, we will obtain your consent prior to implementing such changes.

You are encouraged to periodically review this Privacy Policy to stay informed about how we are protecting the Personal Information we collect.