Cookie Policy & Tracking Technologies
We respect your digital privacy. This policy explains how Finonest India Private Limited uses cookies and local storage tokens to deliver secure loan facilitation services without unauthorized surveillance.
Effective Date: October 2026 | Version: v1.3
Our Core Privacy Commitment
Finonest does NOT sell, monetize, or broker your personal browsing history, financial searches, or credit application data to commercial data brokers. Cookies are employed strictly to maintain session safety, verify your identity, and remember essential interface settings.
1. What Are Cookies and Local Storage?
Cookies are compact text files placed on your browser or device when you navigate our platform. They enable our web servers to recognize your authenticated session, verify cryptographic tokens, protect against automated cross-site forgery (CSRF), and prevent repetitive entry of your phone number while completing a multi-step loan journey.
2. Categories of Cookies We Use
These cookies are vital for the technical functioning of the website and cannot be disabled. They include JWT authentication tokens, CSRF protection identifiers, and cryptographic state locks that guarantee your consent selections are recorded without corruption.
auth_token, finonest_session_id, csrf_token, consent_receipt_idThese cookies remember choices you make to provide an enhanced experience, such as your preferred display language (English vs. हिन्दी) and loan calculator parameters.
finonest_lang (en/hi), calc_loan_tenor, recent_vehicle_modelWith your permission we use analytics and advertising tools: Google Tag Manager, Google Analytics and the Google Ads tag, and our own visitor statistics (pages visited, device and browser type). They help us understand how the site is used and measure our ads. They are not loaded, and nothing is sent to them, until you choose Accept all. You can change this at any time below. No personal financial documents or credit scores are ever transmitted to external analytics providers.
3. Third-Party Integrations & Partner Disclosures
When you opt to check your loan eligibility or retrieve an indicative credit score, credit authorization is conducted via Twominutes Fintech Private Limited on kredbharat.com. Any temporary session cookies dropped during that verification flow are subject to their respective Credit Information Consent agreements.
To review all participating lending banks, NBFCs, and technology partners, please visit our official Partners Directory.
4. How to Manage and Disable Cookies
Your choice for analytics and advertising cookies
Your choice is saved in this browser only. Asking for a loan, logging in or giving any consent to Finonest does not change it. Choosing Essential only after Accept all reloads the page without those tools.
You retain full control over cookies and can modify your browser settings to reject or delete cookies at any time. Please note that disabling essential cookies may prevent you from logging in, authenticating via OTP, or completing loan applications.
- Google Chrome: Settings → Privacy and security → Third-party cookies.
- Mozilla Firefox: Settings → Privacy & Security → Enhanced Tracking Protection.
- Apple Safari: Preferences → Privacy → Prevent cross-site tracking.
- Microsoft Edge: Settings → Cookies and site permissions.
Questions Regarding Cookie Practices?
If you have inquiries about our cookie usage or wish to exercise statutory data protection rights under the DPDP Act 2023, please contact our Data Protection Officer at:
grievance@finonest.com | Helpline: +91 9462553887