We highly value your personal information and privacy protection, and commit to collecting, using and protecting your information lawfully, fairly and necessarily in accordance with applicable laws and regulations. Please read this Privacy Policy carefully to fully understand how we process your personal information before using the App.
We strictly comply with India's Personal Data Protection laws (PDP Act) and other related regulations, and refer to internationally accepted information security standards to safeguard your personal information and privacy rights.
This Privacy Policy details how we lawfully and in compliance collect, use, store, share and transfer your personal information when providing the Finzloan product and related services, and outlines the technical and administrative measures we take to protect information security. For your convenience, we use clear and concise language and provide necessary explanations of key terms.
By registering and using the App, you acknowledge that you have read, understood and agreed to all the contents of this Privacy Policy, and consent to our collection and use of your personal information in accordance with this Policy and applicable laws.
Before you decide whether to provide us with sensitive personal information, please carefully consider whether you agree to our processing of such information for the purposes and in the manner described in this Policy. We will only collect and use sensitive personal information after obtaining your explicit consent to ensure normal operation of Finzloan services. You have the right to refuse to provide such information, but this may result in partial unavailability of certain features.
If you disagree with or cannot understand all or part of this Privacy Policy, please stop using our products and/or services immediately. If you have any questions, you may contact us through customer service channels.
The App and related services are provided only to adults aged 18 and above. If you are under 18, please stop using Finzloan immediately.
We collect and use your personal information on a lawful, fair and necessary basis in accordance with applicable Indian laws and for the purposes described in this Privacy Policy. The personal information we collect includes:
We only collect and use such information after obtaining your explicit consent. Except as otherwise required by law or to protect the significant lawful rights and interests of you or others, we will not collect relevant information without your consent, nor will we collect personal information prohibited by laws and regulations.
When you register an account in the Finzloan App and related services, we only collect your mobile phone number as the unique registration information. The phone number is used for identity verification, account creation, and login authentication. It is an important basis for ensuring account security, identifying user identity and ensuring the smooth provision of services. We commit to strictly comply with applicable laws and implement reasonable technical and administrative measures to protect your phone number.
If you refuse to provide a phone number or if the phone number fails verification, you will not be able to complete registration or login, which may affect your ability to use certain services. If you encounter any issues during use or require assistance, please contact Finzloan customer service and we will provide support.
During the use of Finzloan services, you must provide truthful and valid identity information so that our financial partners can perform risk assessment and personal information checks. Collected information may include but is not limited to:
We may engage qualified third parties to conduct identity verification. In accordance with legal requirements, we may also perform checks and comparisons with government-authorized or financial institutions that are legally entitled to store such data.
The collected information will be used for identity recognition, risk assessment, service recommendation, and to ensure secure transactions on the platform. We commit to collecting and using information only within the scope necessary to perform contracts or provide services, and with your explicit consent where required, while implementing strict technical and managerial safeguards.
To ensure platform stability, transaction security, improve service quality, and strengthen risk control and anti-fraud capabilities, we may collect the following device information during your use of the App and related services:
To secure the platform, identify devices and perform risk control, we may collect certain device information for identity verification, risk assessment and anti-fraud analysis. This may include: device name, model, brand, operating system and version, screen size, memory information, Android ID, IP address, Google Advertising ID, language settings, carrier name, network access type, battery status, etc. You may choose not to provide these data — this will not affect the App's basic functionalities, but may affect our risk-level identification and consequently influence evaluation results.
During the verification code login process, you may encounter situations where you are unable to receive the SMS verification code. To ensure that you can complete the login process smoothly, we provide a method to receive the verification code via voice over the phone. After granting this permission, the sending and receiving of voice verification codes will be faster, improving the login experience. Please note that this permission is optional and you can choose to decline authorization without affecting your use of other app features.
To improve risk management and ensure compliance and security of lending services, we may collect a list of installed apps on your device with your explicit authorization. By analyzing such app information, we can identify potential high-risk behavior (e.g., gambling, illegal lending, cryptocurrency trading) and optimize risk models and strategies. Collected app data may include: app name, package name, install and update times, version number, whether it's a system app, etc. All collected data will be securely uploaded to the encrypted center stored at https://fnzln27.com and protected with strict encryption measures. Without your authorization, these data will not be used for other purposes or disclosed to third parties. This permission is optional; refusing it will not affect basic platform features but may impact personalized recommendations and the accuracy of risk judgments.
When you apply for a credit limit assessment via the App, we may need to access emergency contact information from your address book to prevent fraud and assess credit, and to ensure smooth communication. We may collect contact's name, phone number and relationship to you. All data collected will be securely uploaded to the encrypted center at https://fnzln27.com and strictly encrypted. Without your authorization, this data will not be used for other purposes or disclosed to third parties.
For a secure and compliant identity verification process, we may request camera access when you use identity verification functions to capture ID (KTP) photos in order to verify authenticity and prevent identity theft and fraud. Captured image data is used only for identity verification and is securely stored at https://fnzln27.com with strict encryption. Without your authorization, this data will not be used for other purposes or disclosed to third parties. If you refuse camera permission, identity verification may fail and related assessment services may be affected.
During identity verification you may choose to upload ID (KTP) photos from your gallery to verify authenticity. We will not request or store any other types of images. Collected image data is used solely for identity verification, stored securely at https://fnzln27.com and protected by strict encryption. Without your authorization, such data will not be used otherwise or disclosed to third parties.
To verify account security, conduct risk assessment and comply with regulations, we may collect your device's approximate location while you use the App. By analyzing location data, we can detect account anomalies (e.g., cross-region logins within short time) and trigger risk-control mechanisms to prevent fraud and protect account safety. Collected information includes latitude and longitude only. This information is used solely for risk control and compliance purposes and will not be used for targeted advertising or marketing. You may refuse to authorize it — this will not affect basic features but may impact our ability to identify risk, affecting credit limit assessment matching and risk assessment accuracy.
While using the platform, we may collect operation logs such as access time, pages visited, click records, etc. These logs help analyze platform performance, evaluate system behavior, detect potential faults and security issues, and continuously optimize product functionality and user experience. We commit to using these logs only for internal service improvement and will keep them confidential, not using them for other purposes nor disclosing them to third parties without your consent.
In addition, some log data may be used to assess your credit status, verify identity and maintain account security.
We promise to:
When using your personal information, we follow the principles of legality, fairness and necessity:
Purpose limitation: We use personal information only within the scope described in this Privacy Policy, and only for purposes necessary to provide services. If we want to use data for other purposes not covered by this policy, we will obtain your explicit consent in advance in accordance with applicable laws and standards.
Data minimization: We only collect and use information within the necessary scope to realize business functions, following data minimization principles to avoid excessive processing.
De-identification and anonymization: To protect data security and improve services, we may de-identify or anonymize personal information so it cannot point to a specific individual. You agree we can use such data for statistical analysis and product optimization, and may disclose anonymized data to third parties or the public.
Rights protection: If you have doubts or objections about how we use or process personal information, contact us via the "Contact Us" section below. If we violate laws and cause you damage, we will bear legal responsibilities accordingly.
Under the PDP Act and related regulations in India, we may collect and use personal information without prior consent in the following circumstances:
In these cases, we will use the minimum necessary scope and reasonable methods to process your data and continue to take effective security and compliance measures.
To continuously optimize App performance and user experience, we may periodically transmit aggregated and anonymized data to external service providers. These data do not contain any personally identifiable information and are used only to analyze application performance, improve features and optimize user experience.
Third-party services integrated into the App may process relevant data according to their own privacy policies. We recommend reviewing the following third-party providers' privacy policies for details on their data collection and usage:
These third parties may disclose collected or received information under circumstances such as compliance with legal requirements, protection of legitimate interests, or transfer to trusted processors performing specific functions on their behalf, who must comply with confidentiality and data protection obligations.
You have the right to stop our collection of your information at any time. To stop using our services, please uninstall the App by:
After uninstalling, we will stop collecting your personal information and will discontinue related services.
We fully understand that your personal information is important and treat information security as a top priority. We strictly comply with the PDP Act and related laws in India, adopt mature and reasonable technical and management measures per industry standards to protect your personal information to the greatest extent possible.
Security measures include but are not limited to:
We securely upload all collected data to an encrypted data center (stored at https://fnzln27.com) and protect it with multilayer encryption. Data are isolated physically or logically from other data to prevent unauthorized access, disclosure or leakage.
Only authorized personnel may access your personal information while performing their duties, and access is strictly controlled by role-based permissions. We regularly review permissions to prevent privilege abuse.
We regularly perform system security checks, vulnerability scanning and log audits to identify and fix potential security issues and continuously improve our protective capabilities.
Although we have taken multiple safeguards, no networked system can be guaranteed absolutely secure. In the event of a security incident (e.g., data breach, tampering or loss), we will immediately initiate an emergency response, notify you as soon as possible, lawfully report to relevant authorities and assist you in taking necessary preventive and remedial measures.
We respect and protect your control over personal information. Under Indian laws and regulations, you have rights to access, correct, delete information, withdraw consent, and cancel accounts. We commit to providing clear and convenient means for you to exercise these rights.
If you wish to delete your personal information and account data and stop using our services, you may:
Upon receipt of your request, we will complete identity verification within 30 working days and process your request as soon as possible. After account deletion, we will stop providing services and will delete or anonymize related personal information in accordance with the law.
If you have granted permissions to access device features (e.g., camera, location, contacts), you may revoke them via your device system settings. Note that revoking permissions may cause certain features to be unavailable or degraded.
We attach great importance to protecting minors' personal information. According to applicable laws, Finzloan services are only available to users who have completed real-name registration and are at least 18 years old. Persons under 18 may not register, apply for credit limit assessment or use related services (but may access limited browsing features without registration).
We do not intentionally collect any minors' personal information. If you are a guardian and find that we may have collected a minor's personal information without consent, please contact us at phemartconsumers@gmail.com. We will verify and assist in promptly deleting relevant information and take protective measures.
We may update this Privacy Policy from time to time, including changes to terms of service, disclaimers or feature descriptions. Finzloan reserves the right to modify this policy at any time and will post the latest version on this page. We recommend that you review this policy periodically to stay informed about our privacy practices.
When material changes occur, we will provide prominent notice via homepage announcements, in-app pop-ups or other reasonable methods. If you continue to use our products or services after updates, you will be deemed to have read, understood and agreed to be bound by the updated policy.
If you have questions about collection, use, storage or sharing of personal information in relation to Finzloan services, or if you have any comments or suggestions about this Privacy Policy, please contact us. We will handle your feedback promptly and properly to ensure your concerns are addressed.
Customer Service Email: phemartconsumers@gmail.com
Contact Address: Plot no. 23 & 24c, Industrial Estate, Sanat Nagar Road, Barzulla Srinagar - 190015 India (IN)
Last Updated: 2026-02-02