🔐 Customer Data Protection🔐 ग्राहक माहिती संरक्षण

Privacy Policy

गोपनीयता धोरण

ANIK Financial Services Pvt. Ltd. respects customer privacy and protects borrower, applicant, co-borrower, nominee and guarantor information collected during loan enquiry, KYC, credit appraisal, sanction, disbursement, servicing, repayment, recovery follow-up, grievance handling and regulatory compliance.

ANIK Financial Services Pvt. Ltd. ग्राहकांची गोपनीयता जपते आणि कर्ज चौकशी, KYC, credit appraisal, sanction, disbursement, servicing, repayment, recovery follow-up, grievance आणि regulatory compliance दरम्यान घेतलेली borrower, applicant, co-borrower, nominee आणि guarantor माहिती सुरक्षित ठेवण्याचा प्रयत्न करते.

Privacy Contact DetailsPrivacy संपर्क माहिती

✅ Consent-based use🧾 KYC purpose🛡️ Secure handling📌 No contact form

Clear, simple and customer-friendly

स्पष्ट, सोपे आणि ग्राहकाभिमुख

This page explains what customer information may be collected, why it is used, when it may be shared, how it is retained, and how customers can raise privacy concerns.

या पेजमध्ये ग्राहकांची कोणती माहिती घेतली जाऊ शकते, ती का वापरली जाते, कोणत्या वेळी share केली जाऊ शकते, किती काळ ठेवली जाऊ शकते आणि privacy तक्रार कशी करावी हे सांगितले आहे.

PrivacyBorrower data respectedग्राहक माहितीचा आदर

ConsentPurpose-based useउद्देशानुसार वापर

KYCRegulatory useनियमानुसार वापर

RBIEscalation routeतक्रार मार्ग

Language / Translation Optionभाषा / मराठी अनुवाद पर्याय

Switch the page content between English and Marathi.

माहिती इंग्रजी किंवा मराठीत पाहण्यासाठी पर्याय निवडा.

📌 Easy Summary📌 सोपी माहिती

What this privacy policy covers

या गोपनीयता धोरणात काय आहे

Simple privacy commitments for customers, borrowers, applicants, co-borrowers, guarantors, nominees, website visitors and service users.

ग्राहक, कर्जदार, अर्जदार, सह-कर्जदार, जामीनदार, नामनिर्देशित व्यक्ती, website visitors आणि service users यांच्यासाठी सोप्या privacy commitments.

🧾Data collected only for valid purposeमाहिती फक्त योग्य कारणासाठी

✅Consent wherever applicableलागू असल्यास संमती

🔒Safe handling of recordsमाहितीची सुरक्षित हाताळणी

📣Privacy grievance supportगोपनीयता तक्रार सुविधा

🔎 Data Collection🔎 माहिती संकलन

Information we may collect

आम्ही घेऊ शकणारी माहिती

The exact information collected depends on the service requested, legal requirements, KYC requirements and loan process.

नेमकी माहिती सेवा, कर्ज प्रक्रिया, KYC आणि कायदेशीर आवश्यकतेनुसार बदलू शकते.

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Identity and KYC details

ओळख व KYC माहिती

Name, address, date of birth, gender, mobile number, email, photograph, identity proof, address proof and customer due diligence documents.

नाव, पत्ता, जन्मतारीख, लिंग, मोबाइल नंबर, ईमेल, फोटो, ओळखपत्र, पत्त्याचा पुरावा आणि ग्राहक पडताळणी कागदपत्रे.

Customer noteग्राहकांसाठी सूचनाGive correct and updated information.योग्य व update माहिती द्या.

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Loan and repayment records

कर्ज व परतफेड माहिती

Loan application, appraisal details, sanction terms, repayment schedule, payment receipts, outstanding amount, overdue status and account statement.

कर्ज अर्ज, appraisal माहिती, मंजुरी अटी, परतफेड वेळापत्रक, पावत्या, outstanding amount, overdue status आणि account statement.

Customer noteग्राहकांसाठी सूचनाKeep loan card and receipts safely.Loan card आणि पावत्या सुरक्षित ठेवा.

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Bank and payment details

बँक व payment माहिती

Bank account details, payment mode, auto-debit mandate status, transaction reference, repayment confirmation and failed payment information.

बँक खाते माहिती, payment mode, auto-debit mandate status, transaction reference, repayment confirmation आणि failed payment माहिती.

Customer noteग्राहकांसाठी सूचनाNever share OTP, PIN or password.OTP, PIN किंवा password कधीही सांगू नका.

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Credit and risk information

Credit व risk माहिती

Credit bureau information, repayment history, eligibility assessment, fraud prevention checks and risk monitoring information.

Credit bureau information, repayment history, eligibility assessment, fraud prevention checks आणि risk monitoring information.

Customer noteग्राहकांसाठी सूचनाCredit records may affect future loan eligibility.Credit records भविष्यातील loan eligibility वर परिणाम करू शकतात.

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Communication information

संवाद माहिती

Calls, SMS, WhatsApp, email, branch visits, service requests, complaint records and customer communication preferences.

Calls, SMS, WhatsApp, email, branch visits, service requests, complaint records आणि communication preferences.

Customer noteग्राहकांसाठी सूचनाKeep your contact number updated.आपला contact number update ठेवा.

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Website and digital usage

Website व digital वापर

Basic technical information such as browser, device, IP address, visit time and pages viewed may be collected for security and website improvement.

Security आणि website improvement साठी browser, device, IP address, visit time आणि pages viewed अशी basic technical माहिती घेतली जाऊ शकते.

Customer noteग्राहकांसाठी सूचनाDo not use unofficial links for loan/payment activity.Loan/payment साठी unofficial links वापरू नका.

🎯 Purpose🎯 वापराचा उद्देश

Why we use customer information

ग्राहक माहिती का वापरली जाते

Information is used only for legitimate business, customer service, legal, audit and regulatory purposes.

माहिती legitimate business, customer service, legal, audit आणि regulatory purposes साठी वापरली जाते.

Loan processing

कर्ज प्रक्रिया

To verify identity, process loan enquiry/application, assess eligibility, complete KYC, sanction, disburse and service the loan.

Identity verification, loan enquiry/application, eligibility, KYC, sanction, disbursement आणि loan servicing साठी.

Customer service

ग्राहक सेवा

To send service updates, repayment reminders, receipts, account information, complaint responses and important policy notices.

Service updates, repayment reminders, receipts, account information, complaint responses आणि policy notices साठी.

Compliance and safety

Compliance व सुरक्षा

To meet regulatory requirements, maintain records, prevent fraud, report to credit information companies and support audit/legal obligations.

Regulatory requirements, record keeping, fraud prevention, credit information reporting, audit/legal obligations साठी.

🤝 Sharing🤝 माहिती sharing

When information may be shared

माहिती कधी share केली जाऊ शकते

ANIK does not sell customer personal information. Information may be shared only where required for service, consent, contract, law, audit, risk or regulatory purposes.

ANIK ग्राहकांची personal information विकत नाही. माहिती केवळ service, consent, contract, law, audit, risk किंवा regulatory purpose साठी आवश्यक असल्यास share केली जाऊ शकते.

Sharing party	Purpose	Customer should remember
Credit Information Companies / Credit Bureaus	Credit checks, repayment reporting and regulatory credit reporting.	Timely repayment helps maintain good credit history.
Banks / payment partners / collection support systems	Disbursement, repayment, auto-debit, transaction confirmation and reconciliation.	Use only official payment channels and keep receipt/reference number.
Technology and authorised service providers	Loan management, customer communication, document storage, security, software support and service delivery.	Authorised partners are expected to use data only for permitted purpose.
Auditors, legal advisors and internal control teams	Audit, inspection, legal advice, compliance review and record verification.	Records may be checked as part of audit/legal duties.
RBI, ROC, regulators, courts, law enforcement or government authorities	Where disclosure is required under law, regulation, order, inquiry or supervisory requirement.	Company may be legally required to provide information.

✅ Customer Rights✅ ग्राहकांचे अधिकार

Your privacy choices

आपले privacy choices

1Ask what personal information is required and why it is needed.कोणती माहिती का घेतली जाते याची माहिती विचारा.

2Request correction of incorrect or outdated customer records.चुकीची किंवा जुनी customer records दुरुस्त करण्याची विनंती करा.

3Raise concern about misuse, unauthorised sharing or improper handling of documents.माहितीचा गैरवापर, unauthorized sharing किंवा document handling बद्दल तक्रार करा.

4Use grievance escalation if privacy complaint is not resolved within reasonable time.गोपनीयता तक्रार वेळेत न सुटल्यास grievance escalation वापरा.

🚫 Safety Advice🚫 सुरक्षा सूचना

Protect yourself from fraud

फसवणुकीपासून स्वतःचे संरक्षण करा

!Never share OTP, PIN, password, UPI PIN, debit card details or bank login details.OTP, PIN, password, UPI PIN, debit card details किंवा bank login details कधीही share करू नका.

!Do not send documents to unknown numbers or unofficial links.अनोळखी नंबर किंवा unofficial link वर documents पाठवू नका.

!Report suspicious calls, fake loan offers or payment requests immediately.संशयास्पद calls, fake loan offers किंवा payment requests त्वरित report करा.

!Keep your mobile number updated for service and security alerts.Service आणि security alerts साठी mobile number update ठेवा.

🛡️ Security🛡️ सुरक्षा

How records are protected

Records कसे सुरक्षित ठेवले जातात

✓Access to customer information is limited to authorised staff and authorised service partners on need-to-know basis.ग्राहक माहितीचा access authorized staff आणि authorized service partners यांनाच need-to-know basis वर दिला जातो.

✓Reasonable physical, technical and administrative safeguards are used for document and system security.Document आणि system security साठी reasonable physical, technical आणि administrative safeguards वापरले जातात.

✓Unauthorised access, suspected misuse or data incident may be reviewed under internal process and applicable law.Unauthorised access, suspected misuse किंवा data incident internal process आणि applicable law नुसार तपासले जाऊ शकते.

🗂️ Retention🗂️ माहिती जपून ठेवणे

How long records are retained

Records किती काळ ठेवले जातात

✓Records may be retained during the customer relationship and after closure as required for law, audit, tax, dispute, regulatory reporting and business record purposes.Customer relationship दरम्यान व closure नंतर law, audit, tax, dispute, regulatory reporting आणि business record purpose साठी records ठेवले जाऊ शकतात.

✓Where deletion is legally permitted and no longer required, records may be archived, anonymised or deleted as per company policy.कायद्याने परवानगी असल्यास आणि गरज नसल्यास records archive, anonymise किंवा delete केले जाऊ शकतात.

✓Credit bureau, regulatory and statutory records may remain available as per applicable rules even after loan closure.Loan closure नंतरही credit bureau, regulatory आणि statutory records applicable rules नुसार उपलब्ध राहू शकतात.

📘 Policy Commitments📘 धोरणातील बांधिलकी

Important privacy commitments

महत्त्वाच्या गोपनीयता बांधिलकी

✓Customer data will be used for lawful business, service and compliance purposes only.ग्राहक माहिती lawful business, service आणि compliance purpose साठीच वापरली जाईल.

✓Borrower data privacy will be respected as part of fair practices and responsible finance.Fair practices आणि responsible finance चा भाग म्हणून borrower data privacy चा आदर केला जाईल.

✓Digital communication will be used for service messages, reminders, security alerts and customer support.Digital communication service messages, reminders, security alerts आणि customer support साठी वापरला जाईल.

✓Sensitive documents will be handled carefully and shared only with authorised parties where needed.Sensitive documents काळजीपूर्वक हाताळली जातील आणि गरजेनुसार authorised parties सोबतच share केली जातील.

✓Data may be disclosed to regulators, law enforcement, courts, auditors or credit bureaus where required.Regulators, law enforcement, courts, auditors किंवा credit bureaus यांना गरजेनुसार माहिती दिली जाऊ शकते.

✓Privacy complaints will be reviewed through ANIK’s internal grievance process.Privacy complaints ANIK च्या internal grievance process द्वारे तपासल्या जातील.

ANIK Privacy Contact

ANIK Privacy संपर्क

✉️

Emailanikfin@gmail.com

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Grievance / Compliance Officerतक्रार / अनुपालन अधिकारीMr. Umesh Tonpe — umesh@anikfin.com

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Head Officeमुख्य कार्यालयPlot No C1/2, Nileshwar Co Op Housing Society, Back To Fame Cinema, Above Studio Pepperfry, N-1 Town Center, CIDCO, Ch. Sambhajinagar 431003.

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Registered Officeनोंदणीकृत कार्यालयSahyadri Building, Behind Amitesh Hotel, Near Sai Naka, Ambajoga Road, Latur, Maharashtra - 413512

📣 Grievance Escalation📣 तक्रार escalation

Privacy complaint process

Privacy तक्रार प्रक्रिया

1Customer may first contact ANIK branch / customer support / grievance email with complete details and supporting documents.ग्राहक प्रथम ANIK branch / customer support / grievance email वर complete details आणि supporting documents सह तक्रार करू शकतो.

2If the complaint relates to incorrect customer record, attach identity proof and clearly mention the correction required.तक्रार incorrect customer record बद्दल असल्यास identity proof जोडून कोणती correction हवी ते स्पष्ट नमूद करा.

3If the complaint is not resolved within 30 days or the response is not satisfactory, customer may escalate through RBI CMS portal / RBI Integrated Ombudsman route, as applicable.30 दिवसांत तक्रार न सुटल्यास किंवा उत्तर समाधानकारक नसल्यास ग्राहक RBI CMS portal / RBI Integrated Ombudsman route द्वारे escalation करू शकतो, लागू असल्यास.

Regulatory note: anikfin@gmail.com