Privacy Policy

This Privacy Policy explains how we collect, use, share, store, and protect your information when you use our fintech products, payment gateway services, website, and mobile application.

This Policy is governed by applicable Indian laws, including:

• The Digital Personal Data Protection Act, 2023 (“DPDP Act”)
• The Information Technology Act, 2000, including IT Rules, 2011
• Guidelines and circulars issued by the RBI

This Privacy Policy applies to all users who access or use our services, including:

• Fintech services (loans, credit analysis, KYC, onboarding)
• Payment gateway services
• Website and mobile application operated by Finunique
• API integrations and partnerships

Personal Information

• Full Name, Date of Birth, Mobile Number, Email
• Address, Government-issued IDs (Aadhaar, PAN)

Financial Information

• Bank details, UPI ID, card info, credit score, loans

Transactional Information

• Transaction ID, amount, payment details, refunds, disputes

Device and Technical Information

• IP, geolocation, device type, browser, usage logs

KYC Documentation

• Photos, scanned docs, video-KYC (where applicable)

• Service delivery (onboarding, transactions, lending)
• Legal compliance (KYC, audit logs, regulator reporting)
• Fraud prevention and risk management
• Communication and support
• Service improvement and analytics

Data is stored securely in India, encrypted and access-controlled. Retained for at least 5 years after account closure.

Shared only with:

• Partner banks, NBFCs, credit bureaus
• Regulatory authorities (RBI, NPCI, UIDAI)
• Service providers (KYC agencies, payment processors)

• Right to access and correct data
• Right to erasure and to withdraw consent
• Right to grievance redressal

Email our Grievance Officer to exercise these rights.