Privacy Policy
Thooyan Credit Services Pvt. Ltd. (“Company”, “we”, “us”, “our”) is committed to protecting the privacy and confidentiality of all users who access our website www.thooyan.com and use our financial facilitation and advisory services. This Privacy Policy explains how we collect, use, store, process, disclose, and safeguard your personal and financial information. By accessing our website, submitting your information, or using our services, you agree to the terms of this Privacy Policy.
1. Collection of Information
When you use our website or avail of our services, we may collect personal, financial, and technical information that is necessary to process your requests and provide our services. This may include your name, date of birth, contact details, residential address, identification documents such as PAN and Aadhaar, employment or business details, income information, bank account details, and other Know Your Customer (KYC) documents. We may also collect technical information such as IP address, browser type, device information, and website usage data through cookies and similar technologies. All information is collected lawfully and with your consent.
2. Use of Information
The information collected by us is used primarily to assess your eligibility for financial products, process loan and credit applications, conduct identity verification, share details with banks, NBFCs, and financial institutions, and facilitate communication between you and lending partners. We also use your information to improve our services, manage customer relationships, send service-related communications, inform you about offers, comply with regulatory obligations, and prevent fraud, misuse, or illegal activities. Your data is used only for legitimate business and legal purposes.
3. Disclosure and Sharing of Information
In order to provide our services effectively, we may share your personal and financial information with partner banks, NBFCs, financial institutions, credit bureaus, verification agencies, technology service providers, and government authorities when required by law. Such sharing is done strictly for processing your application, verification, regulatory compliance, and service delivery. We do not sell, rent, or trade your personal data to any third party for marketing or commercial purposes without your explicit consent.
4. Credit Verification and Bureau Reporting
By using our services, you authorize us and our partner institutions to obtain your credit reports and related information from credit bureaus such as CIBIL, Experian, Equifax, and CRIF High Mark. This information is used for assessing creditworthiness, evaluating eligibility, and determining applicable terms. You also authorize lenders to report your repayment behavior and account status to credit bureaus in accordance with applicable laws.
5. Data Security Measures
We implement reasonable administrative, technical, and physical security measures to protect your personal and financial information from unauthorized access, misuse, loss, alteration, or disclosure. These measures include restricted access controls, secure servers, and internal data protection policies. However, no electronic transmission system or data storage method can be guaranteed to be completely secure, and therefore we cannot assure absolute protection of your information.
6. Cookies and Tracking Technologies
Our website may use cookies, web beacons, and similar technologies to enhance user experience, analyze website traffic, monitor performance, and customize content. Cookies help us understand user preferences and improve functionality. You may choose to disable cookies through your browser settings; however, certain features of the website may not function properly if cookies are disabled.
7. Data Retention Policy
We retain your personal and financial information only for as long as it is necessary to fulfill the purposes for which it was collected, including providing services, complying with legal and regulatory requirements, resolving disputes, and enforcing agreements. After the retention period expires, your data is securely deleted, anonymized, or archived in accordance with applicable laws.
8. User Rights and Control
You have the right to access, review, and request correction of your personal information held by us. You may also withdraw your consent for data processing, subject to legal and contractual obligations. Requests for access, correction, or deletion may be submitted in writing to our official contact details. Please note that withdrawal of consent may affect our ability to provide certain services.
9. Third-Party Websites and Services
Our website may contain links to third-party websites, applications, or services for your convenience. We do not control these external platforms and are not responsible for their privacy practices, content, or data handling policies. Users are advised to review the privacy policies of such third parties before providing any personal information.
10. Consent and Authorization
By submitting your personal, financial, and KYC information through our website, mobile communication, email, or any other channel, you provide your free, informed, and unconditional consent for the collection, processing, storage, verification, and sharing of your data in accordance with this Privacy Policy. This consent includes authorization for credit checks, background verification, and regulatory reporting. Your consent remains valid unless withdrawn in writing.
11. Children’s Privacy
Our services are intended exclusively for individuals who are 18 years of age or older. We do not knowingly collect or process personal information of minors. If we become aware that information of a minor has been collected, we will take appropriate steps to delete such data.
12. Changes to This Privacy Policy
We reserve the right to modify, update, or revise this Privacy Policy at any time to reflect changes in legal requirements, business practices, or service offerings. Any changes will be posted on this page with an updated date. Continued use of our website and services after such changes constitutes acceptance of the revised policy.
13. Grievance Redressal and Contact Information
If you have any questions, concerns, complaints, or requests regarding this Privacy Policy or the handling of your personal information, you may contact us at:
Thooyan Credit Services Pvt. Ltd.
Website: www.thooyan.com
Email: support@thooyan.com
Phone: 04142-234577
We shall make reasonable efforts to address your concerns in a timely manner in accordance with applicable laws.