Privacy Policy

PNRG Finance ("we," "us," or "our") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our loan services.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

We collect information that you provide directly to us when you register for an account, apply for loans, or use our services. This may include:

• Personal identification information (name, date of birth, gender)
• Contact information (email address, phone number, residential address)
• Financial information (income details, employment information, bank account details)
• Government-issued identification documents (Aadhaar, PAN card, voter ID)
• Credit history and credit score information
• Loan application details and supporting documents
• Communication preferences and feedback

We use the information we collect from you for the following purposes:

• To process and evaluate your loan applications
• To verify your identity and prevent fraud
• To assess your creditworthiness and determine loan eligibility
• To provide customer support and respond to your inquiries
• To send you important updates about your loan status and account
• To comply with legal and regulatory requirements
• To improve our services and develop new features
• To send promotional materials and offers (with your consent)

We implement industry-standard security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, and destruction. Our security practices include:

• 256-bit SSL encryption for all data transmissions
• Secure servers with firewall protection
• Regular security audits and vulnerability assessments
• Restricted access to personal data on a need-to-know basis
• Employee training on data protection and privacy practices
• Secure backup and disaster recovery procedures

We may share your information with third parties in the following circumstances:

• With credit bureaus and financial institutions for credit assessment
• With government agencies and regulatory authorities as required by law
• With service providers who assist in our operations (payment processors, KYC verification services)
• With your consent or at your direction
• In connection with a merger, acquisition, or sale of assets

We do not sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.

You have the following rights regarding your personal information:

• Access and review your personal information we hold
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal requirements)
• Opt-out of marketing communications at any time
• Withdraw consent for data processing (where applicable)
• Request a copy of your data in a portable format

To exercise any of these rights, please contact us using the information provided below.

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies help us:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve website functionality and performance
• Provide personalized content and recommendations

You can control cookie settings through your browser. However, disabling cookies may affect the functionality of our website.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Generally:

• Active customer data is retained throughout the duration of your relationship with us
• Loan application data is retained for a minimum of 7 years as per regulatory requirements
• Financial transaction records are kept for legal and compliance purposes
• Marketing data is retained until you opt-out or request deletion

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date at the top of this page
• Sending you an email notification (for significant changes)

Your continued use of our services after changes are posted constitutes your acceptance of the updated Privacy Policy.