Ignicore Finance Private Limited (“Company”, “we”, “us”, or “our”) is a private limited company duly registered under the Companies Act, 2013. We are engaged in the business of microfinance services, including but not limited to daily, weekly, monthly, and term-based loan products, recurring deposit (RD), savings schemes, and digital EMI tracking services.

We are committed to protecting the privacy, security, and integrity of our users' personal and financial data. This Privacy Policy outlines how we collect, store, process, and use the information you provide while using our website, mobile application, or any of our services.

🔹 1. About Our Services

• Daily Collection Loans
• Weekly and Monthly Group Loans
• Recurring Deposits (RD) with real-time maturity tracking
• Short-Term Loans (7 to 90 days)
• Savings Collection Schemes
• Digital EMI calculation and repayment tracking
• Mobile Lock-Based EMI Loans (for financed devices)
• Upcoming Credit Bureau Reporting for CIBIL score impact

Our digital platform enables borrowers to manage their accounts, track EMIs, make payments, and stay informed about loan schedules and savings balances.

🔹 2. Information We Collect

Personal Information:

• Full Name, Date of Birth
• Mobile Number, Email ID
• Aadhaar Number, PAN, Voter ID
• Residential and Permanent Address
• Live Photo & Signature (where required)

Financial and Loan-Related Information:

• Loan Application Details, Repayment Schedules
• EMI Collection History, Disbursement Date & Amount
• Bank Account Details & IFSC
• Processing & Application Fees

Device and Technical Data:

• IP address, device ID, OS version
• Login Time and Session Duration
• Location (with permission)
• Usage Patterns and Crash Logs

🔹 3. Why We Collect This Information

• To verify your identity (KYC) and process your loan application
• To calculate and track EMI schedules, overdue, and collection dates
• To maintain RD maturity tracking and savings statements
• To generate automatic notifications for EMI due dates and deposits
• To ensure credit discipline and future CIBIL/credit bureau reporting
• To provide user support and enhance your app experience
• To prevent fraud, unauthorized access, or misuse of services
• To comply with laws and regulations, including audits and tax filing

🔹 4. How We Use Your Data

• Create and manage your loan or savings account
• Approve or reject loan applications based on policy
• Provide SMS/WhatsApp/email-based reminders
• Disburse loans or accept repayments digitally
• Track delinquency and generate real-time defaulter reports
• Integrate with credit bureaus (like CIBIL)
• Analyze loan repayment behavior for future eligibility scoring

🔹 5. Whom We Share With

We do not sell your data to any marketing companies or third parties. However, we may share your information with:

• Credit bureaus (e.g., CIBIL, Experian)
• Payment gateways and transaction partners
• SMS/email gateway service providers
• Authorized field officers and branch-level staff
• Legal or government authorities (if required)

All shared data is protected by strict confidentiality and security agreements.

🔹 6. Data Security

• SSL-encrypted transmission
• Role-based access control (RBAC)
• Multi-factor authentication (where applicable)
• Firewall-protected cloud servers
• Regular backups and data integrity audits

🔹 7. Your Rights as a User

• Access or update your personal information
• Request correction or deletion of inaccurate data
• Withdraw consent for optional features (e.g., location sharing)
• Request your account deactivation (after fulfilling obligations)

All such requests may be sent to ignicorefinance@gmail.com and will be acted upon within 15 working days.

🔹 8. Data Retention

We retain your personal and financial records for as long as:

• You maintain an active loan or savings account
• Required under financial, taxation, or legal frameworks
• Necessary for dispute resolution or reporting obligations

Afterward, data is anonymized or securely deleted.

🔹 9. Policy for Children

Our services are intended for individuals above the age of 18. We do not knowingly collect personal data from children.

🔹 10. Changes to This Policy

Ignicore Finance reserves the right to modify or update this policy at any time. Changes will be notified through the website or mobile app, and the effective date will be updated accordingly.

🔹 11. Contact Us

Ignicore Finance Private Limited
📍 Address: Balarampur, Kolan Radhakantapur, Murshidabad – 742123, West Bengal
📧 Email: ignicorefinance@gmail.com
📞 Phone: 9474741427