At YourTrust Financial Hub, we prioritize protecting your personal and financial information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you use our website and financial services, in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), RBI Guidelines, and other applicable laws.
Personal Information (Provided by You)
- Identity Data: Full name, date of birth, PAN, Aadhaar (masked), contact details
- Financial Data: Income details, existing loans, CIBIL/CrIF score, bank statements, KYC documents
- Contact Data: Email, mobile number, residential address
- Technical Data: IP address, browser type, device info, pages visited
Automatically Collected
- Log files (IP, browser, ISP, timestamps, click data)
- Cookies and tracking technologies
Legal Basis for Processing
We process your data only under these lawful bases:
- Consent: For marketing communications (withdraw able anytime)
- Contract: To process loan applications/services
- Legal Obligation: KYC/AML compliance, RBI reporting
- Legitimate Interest: Website security, service improvement
How We Use Your Information
Your data is used solely for:
✅ Loan processing & disbursement
✅ KYC/AML verification
✅ Credit assessment (CIBIL integration)
✅ Customer support & relationship management
✅ Regulatory reporting (RBI, FIU-IND)
✅ Website functionality & analytics
✅ Marketing (with explicit consent only)
Data Sharing & Disclosure
We never sell your data. Disclosure occurs only:
- Service Providers: Banks, NBFCs, CIBIL, tech partners (under strict NDAs)
- Regulatory Authorities: RBI, FIU-IND, Income Tax Dept (as required by law)
- Business Transfers: In case of merger/acquisition
Data Security
- Encryption: All data encrypted at rest (AES-256) and in transit (TLS 1.3)
- Access Controls: Role-based access, multi-factor authentication
- Regular Audits: Annual security assessments
- Incident Response: 24-hour breach notification (per DPDP Act)
Data Retention
Personal Data: Duration of relationship + 7 years (RBI requirement)
KYC Documents: 10 years post-relationship (PMLA 2002)
Log Files: 180 days maximum
What rights you have over your data
Your Rights (DPDP Act 2023)
You have the right to:
- Access your personal data
- Correctionof inaccurate data
- Erasure(subject to legal retention)
- Withdraw Consent (stops future processing)
- Data Portability
- Grievance Redressal
Cookies & Tracking
We use:
- Essential Cookies: Website functionality
- Analytics Cookies: Google Analytics (anonymized)
- Marketing Cookies: Only with consent
Manage preferences via Cookie Consent Banner.
Third-Party Links
Links to partner banks/NBFCs have separate privacy policies. We are not responsible for their practices.
Children’s Privacy
Our services are not for individuals under 18. We do not knowingly collect children’s data.
No Success Fees: We charge no processing/arrangement feesfor loan facilitation.
No Success Fees: We charge no processing/arrangement fees for loan facilitation.
Lender Charges: Any fees (processing, prepayment, etc.) are charged directly by lenders.
Service Charges: Nominal advisory fees (if applicable) disclosed upfront.
