PRIVACY POLICY – IME INDIA FINANCE PVT LTD

IME India Finance Pvt Ltd (“IME India Finance”, “Company”, “we”, “our”) is an RBI-registered Non-Banking Financial Company engaged in providing credit and related financial services. This Privacy Policy explains how we collect, use, store, share, and protect customer information when you interact with our website, mobile platforms, branches, or avail our financial products. By accessing our services, you consent to the practices described in this Policy.

1. Information We Collect

To provide financial services responsibly, the Company may collect:

A. Personal Information

• Name, address, mobile number, email ID
• Date of birth, photograph, identity documents (PAN, Aadhaar, etc.)
• Bank account and financial information
• Income and employment/business details
• Credit bureau information

B. Technical / Usage Information

• Device and browser information
• IP address and location data (where required for serviceability and fraud prevention)
• Website interaction data

The Company collects information only with customer consent and strictly for legitimate business purposes.

2. Purpose of Data Usage

Customer information is used to:

• Process loan applications and provide financial services
• Conduct KYC and regulatory verification
• Perform credit risk assessment and fraud prevention
• Improve customer experience and service delivery
• Meet legal, regulatory, and audit requirements

The Company does not collect excessive or irrelevant data.

3. Sharing of Information

Information may be shared with:

• Credit bureaus and financial institutions
• Regulatory authorities as required by law
• Technology and service partners engaged for processing services
• Auditors, legal advisors, and recovery agencies (where necessary)

The Company does not sell customer data to third parties.

4. Data Protection and Security

IME India Finance maintains appropriate administrative, technical, and physical safeguards including:

• Secure data storage systems
• Access control and role-based permissions
• Encryption and secure transmission protocols
• Vendor confidentiality and security obligations

5. Retention

Information retained as per regulatory requirements.

6. Customer Rights

Customers may:

• Request correction or update of personal information
• Withdraw consent for non-essential communications
• Seek clarification regarding data usage

Certain services may not be available if mandatory information is withheld.

7. Third-Party Links

Our website may contain links to third-party platforms. The Company is not responsible for the privacy practices of such external websites.

8. Policy Updates

This Policy may be revised periodically in line with regulatory changes or business requirements. Updated versions will be available on the Company website.

9. Grievance & Contact Details

For privacy-related queries or complaints, customers may contact:

Grievance Officer

IME India Finance Pvt Ltd
Email: grievances@imeindiafinance.com
Phone: 0120-4798200
Address: 13A, 3rd Floor, Graphix Tower,
Sector-62, Noida, Uttar Pradesh – 201301

Grievance Redressal Officer Details :

Customers may also approach the Reserve Bank of India Ombudsman where grievances remain unresolved.

*We collect and store your information (personal information) which is provided by you from time to time by explicitly seeking permissions from YOU to get the required information. Our primary goal in doing so is to provide you a safe, efficient, smooth and customised experience and services. This allows us to provide services and features that meet your needs, and to customise our Platform to make your experience safer and easier and to improve the services provided by us. More importantly, we collect personal information from you that we consider necessary for achieving the aforementioned purpose.