Privacy Policy

At OmFintech eMudra, your privacy is our top priority. This Privacy Policy outlines how we collect, use, share and protect your personal information when you access or use our website and services, including personal loans, overdraft facilities and credit card offerings (collectively, the "Services").

By using our Services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect the following types of personal and financial information:

• Personal Identifiers: Full name, date of birth, gender, PAN, Aadhaar number
• Contact Information: Mobile number, email address, residential address
• Financial Data: Bank account details, income, credit score, employment information
• Loan/Credit History: Details related to current or past loan applications
• Device Information: IP address, browser type, operating system, usage patterns
• KYC Documents: Photo ID, address proof and other documents for identity verification

2. How We Use Your Information

We use your information to:

• Process loan, overdraft or credit card applications
• Verify your identity and conduct KYC checks
• Assess creditworthiness and eligibility
• Communicate updates and approvals
• Provide customer support and service notifications
• Improve our website and user experience
• Comply with legal and regulatory requirements

3. Information Sharing and Disclosure

We do not sell your personal data. However, we may share your information with:

• Banking and NBFC Partners: For loan/credit card processing and approvals
• Credit Bureaus (e.g., CIBIL, Experian): For credit checks and reporting
• Government or Regulatory Bodies: If legally required
• Third-Party Vendors: For technical, customer service or fraud-prevention support, under strict confidentiality agreements

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Personalize your experience
• Analyze site traffic and performance
• Improve security and prevent fraud

You may choose to disable cookies via your browser settings.

5. Data Security

We take appropriate technical and organizational security measures to protect your data, including:

• PerSSL encryption for data transmission
• Restricted access to personal information
• Secure servers and firewalls
• Regular audits and compliance reviews

However, no method of transmission over the internet is 100% secure. Use the services at your own risk.

6. Data Retention

We retain your data for as long as necessary to:

• Fulfill the purposes stated in this policy
• Comply with legal or regulatory requirements
• Resolve disputes or enforce agreements

7. Your Rights

You may:

• Request access to your personal information
• Ask for corrections or updates to your data
• Withdraw consent (where applicable)
• Request deletion, subject to legal and operational requirements

To exercise these rights, please contact us at info@omfintechemudra.com

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content. Please review their policies before interacting.

9. Policy Updates

We may update this Privacy Policy periodically. Changes will be posted on this page with a revised effective date. We recommend reviewing this policy regularly.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, contact us at:

📧 Email: info@omfintechemudra.com
📞 Phone: +91 8869901491