SBFC Finance Ltd. ("SBFC") respects your privacy and is committed to safeguarding the personal information of visitors to our website. This Privacy Notice explains how we collect, use, store, and protect your personal data when you visit our website or use our services. By accessing or using our website, you acknowledge and agree to the terms of this Privacy Notice.

1. Introduction

The domain name sbfc.com (the "Website") is owned by SBFC Finance Ltd., a company incorporated under the Companies Act, 1956 with its registered office at Unit No. 103, 1st Floor, CCB Square, Sangam Complex, Andheri Kurla Road, Village Chakala, Andheri (East) Mumbai - 400 059.

For more information, please visit our website: www.sbfc.com.

This Privacy Notice applies to all users of our website, including all subsidiaries of SBFC. By using this website, you consent to the practices outlined in this Privacy Notice.

2. Types of Personal Information We Collect

SBFC may collect the following types of personal information:

• Identification Information: Name, gender, residential/correspondence address, telephone number, date of birth, marital status, email address, PAN, KYC status, signature, and photograph.
• Banking and Payment Information: Bank account details or other payment instrument details.
• Transaction Information: Details of financial transactions, including SMS notifications related to transactions for credit risk assessment.
• Media Information: Documents uploaded by you during the user account management or transaction order placement process.
• Device Information: Information about your device such as operating system, mobile network details, and device identifiers.
• Contact Information: If you select contacts as references during the loan journey, we may access the name and phone number of the contacts. Your contact list will not be uploaded to our servers.

We may also automatically collect the following technical information when you visit our website:

• Log File Information: Browser type, operating system, domain name of your ISP, date and time of visit, and pages visited. This data is used to improve the website’s functionality and user experience.

3. Purpose of Collection and Use of Information

We collect, retain, and use your personal information for the following purposes:

• To provide you with the services you may require.
• To process financial and non-financial transaction requests.
• To conduct research and improve our services and user experience.
• To verify your identity for the provision of financial services.
• To communicate updates, changes to services, and other important information.
• To investigate and resolve complaints or disputes.
• To comply with legal and regulatory obligations.

4. Disclosure of Information

Your personal information may be disclosed to the following parties:

• Regulatory bodies such as RBI, SEBI, KYC Registration Agencies, etc., for the purpose of processing your transaction requests.
• Third-party service providers who assist us in business operations.
• Judicial or regulatory authorities, auditors, and other entities as required by law.

We will not disclose sensitive personal information to any third party without your consent, except as stated above.

5. Retention of Information

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Notice, or as required by law. After fulfilling the required purpose, we will securely dispose of your data in accordance with applicable laws.

6. Disposal of Information

SBFC ensures that personal data is disposed of securely, in compliance with privacy regulations, once the information is no longer required for business or legal purposes.

7. Communications & Notifications

By using our website, you consent to receiving electronic communications from us. This may include updates about our services, legal notifications, and other relevant information. You may opt-out of certain types of notifications as per your preference.

8. Cookies and Tracking Technologies

• Use of Cookies

We use cookies and similar tracking technologies to improve your experience on our website. By using the website, you consent to our use of cookies as described in this Privacy Notice.

• Types of Cookies We Use
• Essential Cookies: Required for basic functionality and security of the website.
• Performance Cookies: Used to gather data on how visitors use our website, which helps improve the user experience.
• Functionality Cookies: These remember your preferences and settings for a personalized experience.
• Targeting Cookies: Used for advertising purposes, tracking user behavior across sites.
• Managing Cookies

You can control or delete cookies through your browser settings. However, disabling cookies may affect the website’s functionality.

• Third-Party Cookies

We may allow third-party services to place cookies on your device to gather data for analytics and advertising purposes. These third parties are responsible for their own privacy policies.

9. Reasonable Security Practices for Protecting Your Information

SBFC employs physical, managerial, and technical safeguards to protect your personal information. These include data encryption, secure servers, and controlled access based on user roles. However, we cannot guarantee the security of your data transmission, and you do so at your own risk.

10. Updating or Reviewing Your Information

You may request to review and update the personal data we hold about you. If any information is found to be inaccurate or incomplete, we will take appropriate measures to correct or update it.

11. Links to Other Websites

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these third-party sites. We encourage you to read their privacy policies before sharing any personal information.

12. Changes to Our Privacy Notice

We may update this Privacy Notice periodically. Changes will be posted on our website and will become effective immediately. We recommend checking this page regularly to stay informed about our privacy practices.

13. Grievance Redressal

For any grievances or discrepancies related to the processing of your personal information, you can contact our grievance officer at:

Email: customercare@sbfc.com

Address:

Unit No. 103,

1st Floor, C&B Square, Sangam Complex,

Andheri Kurla Road,

Village Chakala,

Andheri (East),

Mumbai - 400 059.