Privacy Policy

1. Introduction

UIDB Finance ("we", "our", or "us") is a financial services intermediary operating in India, providing assistance in loan facilitation and insurance advisory services. We are committed to protecting the privacy and personal data of every individual who interacts with our website, services, or representatives.

This Privacy Policy explains how we collect, use, store, share, and protect your personal information in accordance with applicable Indian laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023.

2. Information We Collect

We collect the following categories of personal information:

• Identity Information: Full name, date of birth, PAN card number, Aadhaar number (where applicable).
• Contact Information: Mobile number, email address, residential and office address.
• Financial Information: Monthly income, employment type, existing loan details, bank account details (only when required for processing).
• Application Data: Type of loan or insurance requested, amount required, city of residence.
• Technical Data: IP address, browser type, device information, pages visited, and time spent on our website (collected via cookies and analytics tools).
• Communication Data: Messages sent via WhatsApp, email, or our contact form.

3. How We Use Your Information

Your personal information is used solely for the following purposes:

• To process and evaluate your loan or insurance application.
• To connect you with suitable banks, NBFCs, or insurance companies.
• To communicate with you regarding your application status, offers, and updates.
• To improve our website, services, and customer experience.
• To comply with legal and regulatory obligations.
• To send relevant financial product information (only with your consent).

We do not use your data for automated decision-making or profiling without your knowledge.

4. Sharing of Information

We may share your information with:

• Banking & NBFC Partners: For the purpose of processing your loan application. These partners are bound by their own privacy policies and RBI guidelines.
• Insurance Companies: For processing insurance applications and policy issuance.
• Regulatory Authorities: When required by law, court order, or government directive.
• Service Providers: Third-party vendors who assist in operating our website and services (e.g., hosting, analytics), under strict confidentiality agreements.

We do not sell, rent, or trade your personal information to any third party for marketing purposes.

5. Data Security

We implement industry-standard security measures including SSL encryption, secure servers, and access controls to protect your personal data from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable law. Typically, application data is retained for a period of 3 years from the date of last interaction, unless a longer retention period is mandated by law.

7. Your Rights

As a data principal under Indian law, you have the right to:

• Access the personal data we hold about you.
• Correct inaccurate or incomplete data.
• Request deletion of your data (subject to legal obligations).
• Withdraw consent for processing at any time.
• Raise a grievance with our Data Protection Officer.

To exercise any of these rights, please contact us at unitedindiadocsbankr@gmail.com.

8. Cookies

Our website uses cookies to enhance user experience and analyze website traffic. You may disable cookies through your browser settings; however, this may affect certain functionalities of the website. We use only essential and analytics cookies — no advertising or tracking cookies are deployed without consent.

9. Third-Party Links

Our website may contain links to third-party websites (e.g., bank portals, insurance company websites). We are not responsible for the privacy practices of these external sites and encourage you to review their respective privacy policies before submitting any personal information.

10. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with a revised "Last Updated" date. Continued use of our services after any changes constitutes your acceptance of the updated policy.

11. Contact Us

For any privacy-related queries or grievances, please contact: