Privacy Policy

Effective Date: July 25, 2025

This Privacy Policy explains how POOJA FINSTOCK INTERNATIONAL LIMITED ("Company", "we", "us", or "our") collects, uses, and discloses personal information when you use our mobile application PFIL Finance or visit our website https://pfilfinance.com.

1. Legal Identity

We are a registered NBFC with the Reserve Bank of India (RBI) under Registration No. B.01.00449.

2. Use of Permissions

• We do not access SMS, call logs, contacts, or location data.
• Camera access is used only to capture a selfie for identity verification during KYC.

3. Information We Collect

• Personal Info: Name, mobile number, email
• KYC documents: PAN, Aadhaar, etc.
• Bank details: Account number, IFSC, UPI ID
• Employment & income details
• Camera-captured selfie for KYC

4. Purpose of Data Use

• Identity & credit verification
• Loan evaluation, approval, disbursal
• Regulatory compliance and credit bureau reporting
• Fraud prevention and support

5. Loan Product Information

Example: ₹10,000 loan @ 24% APR for 12 months = ₹1,200 interest + ₹300 fee → ₹11,500 total repayment

6. Law Enforcement Compliance

We may disclose your data to law enforcement or government bodies upon receiving lawful requests (e.g., FIRs, court orders). This may include loan transactions, identity documents, or account activity logs.

7. Third-Party Sharing

We may share your data with:

• Credit bureaus
• Payment gateway providers
• KYC verification agencies
• Government and regulators upon lawful request

We do not sell your data to advertisers or marketing agencies.

8. Data Retention

• Loan-related data retained for up to 5 years post closure
• Deletion requests can be made to support@pfilfinance.com and processed within 7 working days

9. Security

• Data encryption (AES-256)
• Secure HTTPS APIs
• Role-based data access & auditing

10. User Rights

You have the right to:

• Access and review your personal data
• Request corrections or deletion
• Withdraw consent where applicable

11. Eligibility

Only users aged 18 years or above are eligible for services provided by PFIL Finance.

12. Ethical Collections

We follow RBI-mandated collection practices. No harassment, abuse, or contact with your personal network is permitted.

13. Fraud Disclaimer

We do not charge advance fees. Report any suspicious activity to support@pfilfinance.com or nearest cybercrime cell.

14. Cookies

Our website may use cookies for performance and analytics. You can modify cookie settings in your browser.

15. Children’s Privacy

We do not knowingly collect data from anyone under 18 years of age.

16. Device Information and Identifiers

In the course of providing our services, we may collect and process certain technical information from your device, including but not limited to your Internet Protocol (IP) address, Device ID, Android ID, and other unique device identifiers.
Such information is collected and utilized for the following purposes:
• To enable and maintain the core functionality of the application;
• To verify user identity and ensure secure account access;
• To detect, prevent, and investigate fraudulent or unauthorized activities;
• To enhance performance, optimize features, and improve overall user experience; and To comply with legal, regulatory, and security obligations, where applicable.
We do not disclose, sell, or rent this information to any unauthorized third party. The information is retained only for as long as necessary to fulfill the purposes outlined above or as mandated under applicable law.

17. Policy Updates

This policy may change. Visit Policy Page for the latest version.

18. Contact

Email: support@pfilfinance.com
Phone: 022 69718828
Address: 909 Sukhsagar Complex, Nr. Fortune Landmark Hotel, Usmanpura, Ahmedabad – 380013, Gujarat, India