2. Information We Collect
Personal Information
• Full name
• Mobile number
• Alternate mobile number
• Email address
• Residential and office address
• Date of birth
• Gender
• PAN card number
• Aadhaar number (masked where legally required)
• Driving licence details
• Passport details
• Voter ID details
• GST number
• Business or company details
• Occupation and employer details
• Salary, income, and employment information
• Bank account details
• IFSC code
• UPI ID
• Vehicle registration number
• Vehicle make, model, variant, year, and ownership details
Financial Information
Depending on the product applied for, we may collect:
• Loan amount requested
• Existing loan details
• Credit score and credit history
• EMI obligations
• Bank statements
• Salary slips
• Income tax returns
• GST returns
• Balance sheets
• Asset and liability information
• Insurance details
• Vehicle valuation details
KYC and Verification Documents
You may upload or share:
• PAN card
• Aadhaar card
• Passport size photograph
• Selfie or live face verification image
• Vehicle RC
• Driving licence
• Income proof
• Address proof
• Bank statement
• Cancelled cheque
• GST certificate
• Company registration documents
Advisor / Partner Information
If you register as an Advisor, DSA, dealer, telecaller, or partner, we may collect:
• Referral code
• Commission history
• Territory or branch mapping
• Bank account for payout
• Performance reports
• Lead status and activity history
• Call recordings and telecalling activity
• Device ID, login IP, and location logs
Device and Technical Information
When you use our website or app, we may automatically collect:
• Device type and model
• Operating system and version
• IP address
• Browser type
• Device ID
• App version
• Network provider
• Language and time zone
• Location data (with permission)
• Crash logs
• Usage analytics
• Clickstream behaviour
• Login history
Information Collected Through Permissions
The Finonest India app may request access to:
• Camera – for KYC, document upload, selfie verification
• Microphone – for recorded support calls or audio upload
• Location – to identify nearest branch, dealer, or advisor activity
• Storage / Files – for uploading documents
• Contacts – only if you voluntarily use invite or referral features
• SMS – for auto-reading OTPs where permitted
• Phone – to enable one-click calling from the app
You may deny these permissions, but some app features may not work properly.
3. How We Collect Information
We collect information:
• Directly from you when you fill forms, register, apply, upload documents, or contact us
• From your device and browser automatically
• From banks, NBFCs, insurers, dealers, credit bureaus, and partner institutions
• From social login providers if you use Google, Apple, Facebook, etc.
• From public databases, KYC agencies, fraud prevention agencies, and credit bureaus
• From your advisor, dealer, DSA, or referring partner
• Through cookies, SDKs, web beacons, pixels, and analytics tools
4. Purpose of Collection and Use
We use your information for the following purposes:
4. Purpose of Collection and Use
To Provide Services
• Process loan, insurance, and financial product applications
• Connect you with banks, NBFCs, insurers, and partners
• Verify your identity and eligibility
• Evaluate your application and match you with suitable products
• Facilitate customer onboarding and document processing
To Manage the Advisor Program
• Track leads and referrals
• Calculate commissions and incentives
• Prevent duplicate leads and fraud
• Monitor advisor activity and performance
• Manage dealer and DSA networks
To Communicate With You
We may contact you through:
• Phone calls
• SMS
• WhatsApp
• Email
• Push notifications
• In-app messages
For:
• Product updates
• Loan status
• Lead verification
• Offers and promotions
• Support requests
• KYC reminders
• Commission updates
You expressly consent to receiving communications even if your number is registered under DND / NDNC.
To Improve Our Platform
We use data to:
• Analyse user behaviour
• Improve app performance
• Develop new features
• Troubleshoot technical issues
• Personalise user experience
• Conduct analytics and research
Legal and Compliance Purposes
We may use your information to:
• Comply with RBI, IT Act, DPDP Act, KYC, AML, and other laws
• Detect and prevent fraud
• Maintain records
• Respond to court orders, law enforcement, or regulatory requests
• Resolve disputes and enforce agreements
5. Consent
By registering, uploading data, using the app, or submitting any information, you:
• Consent to collection and processing of your information
• Confirm that the information provided is accurate and lawful
• Authorize Finonest and its partner banks/NBFCs/insurers to contact you
• Permit us to share your information with our service providers and financial partners
If you submit information of another person (for example, a customer lead), you confirm that you have obtained that person’s valid consent.
6. Sharing and Disclosure of Information
We may share your information with:
6. Sharing and Disclosure of Information
Banks, NBFCs and Financial Institutions
To process your application, we may share your details with:
• Banks
• NBFCs
• Insurance companies
• Credit card issuers
• Vehicle finance companies
• Loan aggregators
• Credit bureaus
Internal Teams and Advisors
Your information may be shared with:
• Sales team
• Telecalling team
• Relationship managers
• Assigned advisor or DSA
• Territory manager
• Support team
Service Providers
We may share data with third-party vendors who help us with:
• Cloud hosting
• Data storage
• Payment processing
• OTP and SMS services
• WhatsApp communication
• Analytics
• KYC verification
• CRM tools
• Call recording
• Customer support
Legal Authorities
We may disclose your information if required by:
• Court order
• Government agency
• Police or law enforcement authority
• Regulatory authority
• Cybercrime investigation
Business Transfer
If Finonest undergoes merger, acquisition, restructuring, or sale, your information may be transferred to the new entity.
We do not sell your personal information to third parties.