At Emitra Finance, we are committed to protecting the privacy and personal information of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. By accessing or using our website, you agree to the terms of this Privacy Policy.
EmitrafFinance is a financial services platform dedicated to providing convenient and secure solutions to customers. This website is owned and operated by PRACHI JAIN, who is responsible for all services and transactions carried out through this platform.
- Information We Collect
We may collect the following types of information from users:
- Personal details such as name, mobile number, email address, address, PAN details, Aadhaar-related information (as required for services), and other identification documents.
- Business-related information required for Business Loans, GST Registration, Udyam (MSME) Certificate, Income Tax Return filing, and other financial or documentation services.
- Financial information such as income details, bank-related details, and credit-related data provided by the customer for loan assistance purposes.
- Purpose of Information Collection
The information collected is used strictly for the following purposes:
- To provide services such as Business Loan, Personal Loan, Home Loan, Quick Loan assistance, GST Registration, Udyam Certificate (MSME), PAN Card services, PAN correction, and Income Tax Return filing.
- To register customers on our platform after payment of the applicable non-refundable registration (portal) charge.
- To guide and assist customers in loan applications through third-party banks, NBFCs, or financial platforms.
- To communicate with customers regarding their applications, documentation status, and service updates.
- Registration Charges and Loan Disclaimer
- Emitra Finance charges only a registration/portal charge, as mentioned on the website.
- We do not charge any loan processing fee, file charge, commission, or cash dealing fee, either before or after loan approval.
- Loan approval or rejection depends entirely on the customer’s documents, eligibility, and CIBIL score.
- The registration fee is non-refundable, regardless of whether the loan is approved or not.
- Information Sharing and Disclosure
- We may share customer information with third-party banks, NBFCs, or financial institutions only for the purpose of loan processing or service fulfillment.
- We do not sell, rent, or trade personal information to any third party for marketing or commercial purposes.
- Information may be disclosed if required by law or government authorities.
- Data Security
We take reasonable and appropriate measures to protect user data from unauthorized access, misuse, loss, or disclosure. However, while we strive to use commercially acceptable means to protect personal information, we cannot guarantee absolute security.
- Third-Party Platforms
Loan applications may be processed through third-party platforms or financial institutions. Emitra Finance is not responsible for the privacy practices, policies, or actions of such third parties. Users are advised to review their privacy policies separately.
- User Consent
By using our website and services, you consent to the collection and use of your information in accordance with this Privacy Policy.
- Changes to This Privacy Policy
Emitra Finance reserves the right to update or modify this Privacy Policy at any time without prior notice. Any changes will be effective immediately upon posting on the website.
- Contact Us
If you have any questions or concerns regarding this Privacy Policy or our services, you may contact us through the official contact details provided on the Emitra Finance website.
- Data Retention
We retain your data as follows:
KYC and customer documents: 3–5 years
Communication records: up to 3 years
Financial and transaction records: 6–8 years
Data may be retained longer if required by law or for dispute resolution. After this period, data is securely deleted or destroyed.
Grievance / Escalation Matrix
If your concern remains unresolved for 7 working days, you may raise it further based on the below escalation matrix:
| Escalation Level | Details of | Contact Person | Phone Info | Email IDs |
|---|---|---|---|---|
| Level 1 | Customer Care / Client Servicing | Customer Service | +91-7489997181 | support@emitrafinance.com |
| Level 2 | Chief Executive Officer (CEO) | Prachi Jain (CEO) | - | ceohelpdesk@emitrafinance.com |
| * The above point of contacts are available on only Working days from (9:30 AM to 6 PM) | ||||
