Privacy Policy

To process your loan application and deliver our financial services, we may collect the following categories of information:

Personal Identification Information:

• Full name, date of birth, gender, and nationality
• Government-issued ID numbers (Aadhaar, PAN, Passport, Voter ID)
• Residential and correspondence address
• Photographs and signatures as required by lenders

Contact & Communication Information:

• Mobile number and email address
• WhatsApp and preferred communication channel

Financial & Employment Information:

• Income details, salary slips, ITR, Form 16
• Bank statements (typically last 6–12 months)
• Business financials, GST returns, balance sheets (for business loans)
• Existing loan obligations and credit card details
• CIBIL/credit score and bureau reports

Technical Information (Website Usage):

• IP address, browser type, device information
• Pages visited, time spent, referral source
• Cookie data and session information

We use the information collected for the following purposes:

• Evaluating your eligibility for loan and financial products
• Submitting your application to appropriate banking and NBFC partners
• Communicating loan status, approvals, rejections, and disbursement updates
• Conducting KYC (Know Your Customer) verification as mandated by RBI
• Sending relevant product offers, interest rate alerts, and financial tips (with your consent)
• Improving our services, website functionality, and customer experience
• Complying with legal obligations, regulatory requirements, and audit processes
• Fraud detection and prevention

MatrixFinserve operates as a DSA (Direct Selling Agent) and, by the nature of the service, must share your information with partner institutions to process your application. We share your data with:

• Banks and NBFCs: Including SBI, HDFC Bank, ICICI Bank, Axis Bank, Bajaj Finserv, and other registered lenders — strictly for loan processing and credit assessment
• Credit Bureaus: CIBIL, Experian, Equifax, and CRIF High Mark for credit checks as required by lenders
• Insurance Partners: When you apply for insurance products via our platform
• Technology Service Providers: Third-party tools used for hosting, CRM, analytics, and communication — bound by data processing agreements
• Regulatory & Legal Authorities: As required under applicable Indian law, court orders, or RBI/SEBI directives

We do not sell, rent, or trade your personal information to any third party for their own commercial purposes.

We implement industry-standard technical and organisational measures to protect your personal and financial data from unauthorised access, disclosure, alteration, or destruction.

• SSL/TLS encryption for all data transmitted via our website
• Access control — only authorised personnel can access customer data
• Regular security audits and vulnerability assessments
• Secure document storage with restricted access logs
• Employee training on data privacy and confidentiality obligations

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyse site traffic.

• Essential Cookies: Required for the website to function (login sessions, form data preservation)
• Analytics Cookies: Google Analytics-style tools to understand how visitors interact with our site
• Preference Cookies: Remember your settings and language preferences
• Marketing Cookies: Used (only with consent) to show you relevant financial product advertisements

You can manage or disable cookies through your browser settings. Disabling essential cookies may impact the functionality of our website.

We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, and resolve disputes.

• Loan application data is retained for a minimum of 7 years as required by financial regulations
• KYC documents are retained as per RBI's PMLA (Prevention of Money Laundering Act) guidelines
• Marketing consent records are retained for 3 years from the date of consent
• Website analytics data is retained for 26 months

Upon expiry of the retention period, data is securely deleted or anonymised.

As a customer of MatrixFinserve, you have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you
• Right to Correction: Request correction of inaccurate or incomplete information
• Right to Deletion: Request deletion of your data (subject to legal and regulatory retention requirements)
• Right to Withdraw Consent: Withdraw consent for marketing communications at any time
• Right to Portability: Request your data in a commonly used, machine-readable format
• Right to Lodge a Complaint: Lodge a complaint with the relevant Data Protection Authority

To exercise any of these rights, contact us at privacy@matrixfinserve.in. We will respond within 30 days.

Our website may contain links to third-party websites such as bank portals, insurance company websites, or financial calculators. These sites have their own privacy policies, and we do not accept any responsibility or liability for their content or practices.

We recommend reviewing the privacy policy of any third-party site before submitting your personal information.

MatrixFinserve's services are intended for individuals who are 18 years of age or older. We do not knowingly collect personal data from minors. If you believe a child has provided us personal information, please contact us immediately and we will delete the data.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify registered users via email or SMS where appropriate
• Display a prominent notice on our website

Continued use of our services after changes become effective constitutes your acceptance of the updated policy.

For any questions, concerns, or requests related to this Privacy Policy, please reach out to our Data Protection Officer: