Privacy Policy
1. Introduction
Fidensia Capital (“Company”, “we”, “our”, “us”) is a credit intelligence and financial advisory firm committed to maintaining the highest standards of data privacy, confidentiality, and responsible information handling.
This Privacy Policy explains how we collect, use, process, store, and protect personal and credit-related information in accordance with applicable Indian laws, including:
- Digital Personal Data Protection Act, 2023 (DPDP Act)
- Credit Information Companies (Regulation) Act, 2005
- Information Technology Act, 2000 and applicable rules
By accessing our website, submitting your information, or using our services, you agree to this Privacy Policy.
2. Scope of Policy
This Policy applies to:
- Website visitors
- Individuals submitting information through forms or digital platforms
- Clients availing credit advisory or financial consulting services
3. Information We Collect
3.1 Personal Information
- Full name
- Mobile number
- Email address
- PAN and date of birth
- Identity-related details required for services
3.2 Credit & Financial Information
- Credit score and credit reports
- Credit history and repayment behavior
- Loan accounts, outstanding balances, and bureau records
3.3 Technical Information
- IP address
- Device and browser information
- Website usage and analytics data
4. Purpose of Data Collection
We collect and process data strictly for:
- Credit profile evaluation and analysis
- Credit improvement advisory
- Financial assessment and readiness
- Facilitating interactions with lenders (with consent)
- Improving user experience
We do NOT:
- Sell or trade data
- Use data for unrelated commercial purposes
5. Consent & Authorization
By submitting your information, you provide explicit consent to Fidensia Capital to:
- Access and process your personal and financial information
- Retrieve your credit report from authorized credit bureaus such as TransUnion CIBIL, Experian India, and CRIF High Mark
Such access may involve:
- PAN verification
- OTP-based authentication
- Secure API integrations
Your consent is:
- Digitally recorded and time-stamped
- Purpose-specific and revocable
You may withdraw consent at any time via written request.
6. Data Sharing & Disclosure
We do not sell or rent your data.
Data may be shared only:
- With authorized service providers for processing
- With financial institutions (with your consent)
- As required by law or regulatory authorities
All sharing is governed by confidentiality obligations.
7. Data Security
We implement:
- Encryption and secure storage
- Role-based access control
- Secure API infrastructure
While we take reasonable measures, no system is completely secure.
8. Data Retention
We retain data:
- Only as long as necessary
- As required by law
- Secure API infrastructure
Data is deleted or anonymized after use.
9. User Rights
You have the right to:
- Access your data
- Correct inaccuracies
- Withdraw consent
- Request deletion (subject to law)
10. Cookies
We use cookies to enhance experience and analyze performance.
11. Third-Party Links
We are not responsible for third-party privacy practices.
12. Nature of Services
Fidensia Capital:
- Is not a lender or NBFC
- Does not provide loans
- Does not make credit decisions
13. Limitation of Liability
We are not responsible for:
- Loan approvals/rejections
- Decisions made by financial institutions
14. Compliance
We comply with applicable laws including DPDP Act and CIC Act.
15. Updates
We may update this policy from time to time.
16. Contact & Grievance Officer
Users may raise concerns regarding data usage.
17. Data Breach
In case of a data breach:
- Immediate action will be taken
- Users and authorities will be informed if required
18. Children’s Data
We do not knowingly collect data from individuals under 18.
For any queries or concerns, you may contact us at support@fidensiacapital.com
Book a Confidential Consultation
We work closely with you to understand your profile and guide you with a structured approach towards credit clarity and capital access.
Your information is handled with complete confidentiality and used strictly for advisory purposes.
Not sure where to begin? That’s exactly where we come in.
Disclaimer
Fidensia Capital operates as a credit advisory firm and does not act as a lender or financial institution.