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Privacy Policy ​

Last Updated: April 2026

At Nihal Fintech Pvt. Ltd., we are committed to protecting the privacy and confidentiality of every individual and business that entrusts us with their personal and financial information. This Privacy Policy explains how we collect, use, store, share, and protect your information when you visit our website, interact with our team, or use our loan consultancy services. By accessing our website or submitting any enquiry or application, you agree to the practices described in this Privacy Policy. If you do not agree with any part of this policy, we kindly request that you discontinue use of our website and services.

1. Who We Are

Nihal Fintech Pvt. Ltd. is a registered private limited company incorporated in Mumbai, India, on 29th June 2013, with an active presence in both Mumbai and Pune, serving individuals and businesses across both cities. Over the past decade, we have grown into one of the most trusted loan consultancy and private finance solution providers in the region, helping thousands of clients navigate their financial journey with clarity, confidence, and ease.

We operate as a loan consultancy and private finance solutions provider, helping individuals and businesses access financial products through our network of partner banks and Non-Banking Financial Companies (NBFCs). Whether you are looking for a home loan, a business loan, or a customised financing solution, our dedicated team works closely with you to find the best fit transparently and efficiently. Please note that we are not a bank or a direct lender.

For any privacy-related queries, you may reach us at:

Registered Office: 405, Mahalaxmi Centre, Opp. Bal Bharti School, S.V. Road, Kandivali West, Mumbai – 400067

Pune Office:: 631/32, Shanbrahma Complex, Shop No. 5/6/7, Budhwar Peth, Pune – 411002

Email: info@nihalfintech.com

Pune Office:: 631/32, Shanbrahma Complex, Shop No. 5/6/7, Budhwar Peth, Pune – 411002

2. Information We Collect

To provide our loan consultancy services accurately and efficiently, we may collect the following categories of information:

  • Personal Identification Information: Full name, date of birth, gender, nationality, residential address, email address, and mobile number.
  • Financial and Employment Information: Income details, employment status, salary slips or business financials, bank statements, CIBIL score or credit history, loan amount requirements, and existing liabilities.
  • Identity and KYC Documents: PAN card, Aadhaar card, passport, voter ID, or other government-issued identity documents as required under applicable Know Your Customer (KYC) norms.
  • Property and Asset Information: Property documents, valuation reports, and ownership records in cases of Loan Against Property or Home Loan applications.
  • Technical and Usage Data: When you visit our website, we may automatically collect information such as your IP address, browser type, device information, pages visited, and the duration of your visit. This information is used solely to improve website performance and user experience.
  • Communication Data: Records of your enquiries, messages submitted through our website, emails, or phone conversations with our representatives.

We only collect information that is necessary and relevant to the services you seek from us.

3. How We Use Your Information

The information we collect is used strictly for the following purposes:

  • To assess your loan eligibility and match you with suitable financial products from our partner banks and NBFCs
  • To process your loan application and coordinate with relevant lending institutions on your behalf
  • To assign a dedicated financial planner and provide you with personalised consultancy
  • To communicate with you regarding your application status, required documents, or any updates
  • To respond to your enquiries submitted via our Contact Us page or over the phone
  • To comply with legal and regulatory obligations, including KYC norms mandated by the Reserve Bank of India (RBI) and applicable laws
  • To send you relevant information about our services or promotions, only where you have provided your consent
  • To improve the functionality and content of our website
We do not use your personal information for any automated decision-making or profiling that has legal or significant effects on you.

4. Sharing of Your Information

As a loan consultancy intermediary, sharing your information with relevant financial institutions is necessary to process your application. We may share your information with:

  • Partner Banks and NBFCs: Your application data may be shared with partner lending institutions such as ICICI Bank, Axis Bank, Kotak Mahindra Bank, PNB Housing Finance, IDBI Bank, and other banks or NBFCs in our network, strictly for the purpose of evaluating and processing your loan application.
  • Credit Bureaus: With your consent, your information may be shared with credit information companies such as CIBIL, Experian, CRIF High Mark, or Equifax, as required during the credit appraisal process.
  • Regulatory and Legal Authorities: We may disclose your information to government bodies, regulators, or law enforcement agencies when required by law or valid legal process.
  • Service Providers: We may engage trusted third-party service providers (such as IT support or document management companies) who assist us in operating our business. These parties are contractually obligated to keep your information confidential and may not use it for any independent purpose.

We do not sell, rent, or trade your personal information to any third party for their own marketing or commercial use.

5. Data Security

We take the security of your personal and financial information seriously. We implement appropriate technical and organisational measures to protect your data against unauthorised access, disclosure, alteration, or destruction. Our team handles all client information with strict confidentiality.

However, please note that no method of electronic transmission or storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as it is necessary to fulfil the purposes for which it was collected, or as required by applicable law and regulatory obligations. Once your information is no longer required, it is securely deleted or anonymised.

7. Cookies and Website Tracking

Our website may use cookies, small text files stored on your device to enhance your browsing experience, remember your preferences, and analyse website traffic. You can control or disable cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of our website.

We do not use cookies to collect personally identifiable information without your knowledge.

8. Third-Party Links

Our website may contain links to third-party websites, partner institutions, or external resources. Please note that once you leave our website, this Privacy Policy no longer applies. We encourage you to review the privacy policies of any external websites you visit. Nihal Fintech Pvt. Ltd. is not responsible for the privacy practices or content of third-party websites.

9. Your Rights

Subject to applicable Indian laws, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 , you have the right to:

  • Request access to the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Withdraw your consent for marketing communications at any time
  • Request deletion of your data, where legally permissible

To exercise any of these rights, please write to us at info@nihalfintech.com with the subject line “Data Privacy Request.” We will respond within a reasonable timeframe.

10. NRI Clients

For Non-Resident Indian (NRI) clients who engage our services for property or loan matters in India, we handle your information with the same level of care as resident clients. Any cross-border sharing of information will only be done in compliance with applicable Indian laws and regulations.

11. Children's Privacy

Our services are intended for adults and are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information to us, please contact us immediately so we may take appropriate action.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. The updated version will be posted on this page with a revised “Last Updated” date. We encourage you to review this policy periodically. Continued use of our website or services after any changes constitutes your acceptance of the revised policy.

13. Terms and Conditions

To exercise any of these rights, please write to us at info@nihalfintech.com with the subject line “Data Privacy Request.” We will respond within a reasonable timeframe.

14. Contact Us for Privacy Concerns

If you have any questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, please reach out to us:

Contact Nihal Fintech Pvt. Ltd.

Email: info@nihalfintech.com

Mumbai: +91 77009 44833

Pune: +91 99985 84455

We are committed to addressing your concerns promptly and transparently.

© 2026 Nihal Fintech Pvt. Ltd. All Rights Reserved.

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