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Privacy Policy

A Legal Disclaimer

Welcome to Surya Fintech (operating under Star Loan Financial Services). We are committed to protecting the privacy, security, and confidentiality of our clients’ personal and financial information. This Privacy Policy outlines how we collect, store, process, protect, and manage your data when you visit our website, utilize our offline consultancy channels, or engage our debt settlement and credit advisory services.

By accessing our website or registering for our services, you formally consent to the collection and processing of your information in absolute alignment with this policy framework, along with applicable digital data protection standards in India.


1. THE SCOPE OF DATA WE COLLECT
 

To effectively review your financial liabilities, represent your hardship cases before institutional lenders, or analyze your eligibility for retail financing, we gather the following categories of information:

  • Personal Identification Information: Full legal name, date of birth, gender, permanent residential address, current communication address, active mobile number, alternative contact references, and official email addresses.

  • Government-Issued Identifiers: Permanent Account Number (PAN), Aadhaar Number, Voter ID, Passport copies, or Business Registration Documents (such as GSTIN or Udyam Registration for Mudra/Business loan evaluations).

  • Credit & Liability Credentials: Comprehensive Credit Bureau Reports (CIBIL, Experian, CRIF, etc.), credit scores, aggregate loan outstandings, active credit card boundaries, repayment registries, default histories, and Days Past Due (DPD) metrics.

  • Financial & Hardship Substantiation Documents: Income tax returns (ITR), salary transcripts, employment credentials, structural bank account statements, profit & loss accounts, and genuine evidence of hardship (such as medical summaries, death certificates of primary earners, or business closure notices) required exclusively to negotiate debt relief.


2. METHODOLOGY AND LEGAL GROUNDS FOR DATA PROCESSING


Surya Fintech strictly processes your private information under explicit customer consent and valid operational requirements, serving the following programmatic goals:

  • CIBIL & Liability Auditing: To evaluate historical defaults, isolate incorrect banking reportings, identify written-off markers, and build a corrective roadmap to recover credit ratings to 750+.

  • Debt Representation & One-Time Settlement (OTS): To draft formal Grievance Representations, Dispute Forms, and Cease & Desist Notices against abusive collection desks, and to negotiate optimal settlement percentages directly with Nodal Officers of banks/NBFCs.

  • Lending Marketplace Advisory: To match your current financial profile with the onboarding algorithms of partner banks and NBFCs for fresh unsecured or secured debt disbursement (Personal, Business, or Mudra products).

  • Transactional Communications: To dispatch secure service invoices, forward valid No Dues Certificates (NDC), and communicate legal case developments via email, calls, or automated WhatsApp protocols.


3. STRINGENT DATA CONFIDENTIALITY & NON-DISCLOSURE GUARANTEES


We maintain an absolute zero-compromise approach toward data monetization. Surya Fintech categorically guarantees that:

  • We DO NOT sell, rent, lease, distribute, or trade your personal credentials, credit history logs, or communication tags to any external third-party marketing companies, brokers, or data syndicates.

  • Your financial parameters and hardship documentations are shared strictly and exclusively with the authorized debt management personnel, credit committees, or assigned legal heads of the specific banking institutions from which you have drawn loans, solely to execute formal settlement approvals.

  • Internal access control mechanisms are enforced within our office infrastructure; only verified legal auditors assigned to your active case file possess the administrative authorization to view your records.


4. DATA SECURITY AND INFRASTRUCTURE INTEGRITY


We apply high-grade technical and structural security setups to protect your financial profiles from unauthorized intrusion, modification, disclosure, or destruction. All uploaded files, CIBIL transcripts, and communication scripts are encrypted and stored on secure cloud networks.

While we use commercial-grade security protocols to protect your information, please note that no digital storage framework or transmission channel across the internet can be guaranteed as 100% secure; hence, we continuously audit our technical walls to block data breaches.


5. DATA RETENTION AND PURGING SCHEDULES


Surya Fintech preserves your private credentials and banking logs only for the exact duration required to fulfill the objectives specified in your service contract, or to satisfy legal framework liabilities under local Indian commercial statutes. Upon the definitive conclusion of your settlement case, full delivery of NDCs, or formal termination of our engagement, your sensitive financial parameters are systematically purged and deleted from our active storage arrays.


6. YOUR CONSUMER RIGHTS AND DATA AUTONOMY


You hold full authority over how your personal records are utilized. Your legal rights include:

  • Right to Access & Rectify: You can request a complete digital copy of the documents submitted to our database or request corrections to inaccurate personal records.

  • Right to Erasure: You can request that we completely wipe your stored profile from our primary databases, provided there are no active legal representation processes or unsettled institutional service invoices pending.

  • Right to Withdraw Consent: You can withdraw your formal authorization for legal representation at any milestone. Please note that doing so will instantly terminate our operational capacity to mask your contact channels from third-party recovery networks or pursue settlement negotiations.


7. REVISIONS TO THIS PRIVACY POLICY


Surya Fintech reserves the absolute authority to update or alter this Privacy Policy document at any point to match changes in statutory financial rules, technological infrastructures, or Reserve Bank of India (RBI) consumer protection mandates. The updated policy will immediately become active once uploaded to our website platform, marked by a revised "Last Updated" timestamp at the top header.


8. GRIEVANCE REDRESSAL AND CORPORATE CHANNELS


If you have any questions regarding the clauses of this Privacy Policy, wish to execute your data protection rights, or desire to report a processing query, please establish immediate communication with our designated Grievance Officer:

  • Corporate Entity Name: Surya Fintech (Star Loan Financial Services)

  • Principal Operations Hub: Indore, Madhya Pradesh, India

  • Dedicated Client Support Cell: +91 9630120677

  • Official Corporate Email: suryafintech2023@gmail.com

  • Verified Justdial Directory: https://jsdl.in/DT-29A9X1F1HN3

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