Privacy Policy

Effective Date: 27 August 2025

This Privacy Policy explains how SarthiPe Fintech Private Limited (“SarthiPe”, “we”, “our”, or “us”) collects, uses, and protects your personal information when you use our website https://sarthipe.com and related services.

Privacy Policy

Last updated: 17  sept.

This Privacy Policy explains how SarthiPe Fintech Private Limited (the “Company”, “we”, or “us”), a company incorporated under the laws of India (CIN: [U66190RJ2025..xxx]) with its registered office at C-25 A, Saraswati Nagar, Malviya Nagar, Jaipur, 302017 Raj, collects, uses, shares, and protects personal information of users of our services and website. We are committed to safeguarding your privacy and ensuring that your personal data is handled in compliance with applicable laws and regulations, including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.

By accessing or using our website and services, you acknowledge that you have read and agree to this Privacy Policy. If you do not agree with the terms of this Policy, please do not use the website or avail our services.

Information We Collect

We may collect various categories of personal and non-personal information from you when you use our website or services, including but not limited to:

• Personal Information: Information that can identify you, such as your name, contact details (email address, phone number), date of birth, PAN or other identification numbers, financial information (income details, bank account, credit/debit card details), and any other information you provide when applying for our products or services (e.g., loan or credit card applications, insurance or investment services).
• KYC Documents: Copies of identification documents, address proof, photographs, and other Know Your Customer (KYC) data that you submit for verification purposes as required by law or our partner financial institutions.
• Usage Data: Information about how you interact with our website or app, such as your IP address, browser type, device identifiers, pages visited, referring source, date and time of visit, and other analytical data. We may use cookies and similar tracking technologies to collect this usage information (see “Cookies & Tracking Technologies” below).
• Third-Party Information: Information we receive from third parties as part of providing our services – for example, credit scores or reports from credit bureaus when you apply for a credit product, or details from our partner banks, NBFCs, insurers, or investment platforms involved in fulfilling your requests.

How We Use Your Information

Your information is used for lawful purposes related to our business operations. This includes, but is not limited to:

• Verifying your identity and eligibility for various financial products or services (loans, credit cards, insurance policies, investments, etc.) that you request through our platform.
• Processing your applications and facilitating transactions you initiate, such as forwarding your details to relevant banks, NBFCs, insurers, or investment providers with whom we partner to deliver the requested product or service.
• Communicating with you about your account or the services you use, including sending verification codes, transaction alerts, service notifications, and responding to your inquiries or support requests.
• Improving our website, products, and services by analyzing usage trends, monitoring the effectiveness of features, troubleshooting issues, and developing new features or offerings that enhance user experience.
• Sending you marketing or promotional communications about new products, features, or special offers from us or our partners, but only if you have consented to receive such communications. (You can opt out of marketing communications at any time.)
• Complying with legal obligations and regulatory requirements, such as maintaining records, reporting to regulatory authorities (e.g., RBI, IRDAI, SEBI) when required, performing risk management, preventing fraud or money laundering, and enforcing our legal rights or the terms of our agreements with you.

Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files placed on your device to store preferences and track activities. They help us remember your preferences, understand usage patterns, and personalize content or advertisements. You may adjust your browser settings to refuse some or all cookies, or to alert you when cookies are being used. However, disabling cookies might affect certain features of our site and your user experience.

How We Share Your Information

We value your trust, and we do not sell your personal information to unaffiliated third parties. We may share your information only in the following circumstances:

• With Financial Partners: We share relevant personal information with our trusted partners such as banks, NBFCs, credit card issuers, insurance companies, mutual fund or investment providers, and other financial institutions when you apply for or express interest in a product they offer. This sharing is done strictly to process your request, and such partners are expected to maintain confidentiality and security of your data.
• With Service Providers: We may disclose necessary information to third-party service providers who perform functions on our behalf. Examples include identity verification agencies, credit bureaus, payment processing gateways, data storage/hosting providers, analytics services, customer support vendors, or other technical service providers. These parties are contractually obligated to use the data only for the purposes we specify and to protect it in line with this Policy.
• For Legal Reasons: We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to (i) comply with a legal obligation, court order, or government request; (ii) enforce our Terms & Conditions or other agreements; (iii) investigate or protect against illegal activities, suspected fraud, or security issues; or (iv) protect the rights, property, or safety of SarthiPe, our users, or others.
• Business Transfers: If the Company undergoes a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will ensure that the new entity will continue to be bound by the commitments we have made in this Privacy Policy regarding your personal data.

Data Security

We employ reasonable security measures — including encryption, secure servers, and access controls — to protect your personal data from unauthorized access, alteration, disclosure, or destruction. Our security practices are aligned with industry standards and regulatory requirements. However, please note that no method of transmission over the internet or method of electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. It is also important for you to protect against unauthorized access to your account credentials and to log off when you have finished accessing your account.

Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this Policy or as required by applicable law. For example, we may retain certain transaction records or communications to comply with RBI guidelines or other regulatory mandates. Once your personal information is no longer needed for the stated purposes, we will securely delete or anonymize it in accordance with our data retention procedures, unless we are required by law to keep it longer.

Your Rights & Choices

You have certain rights regarding your personal data that we hold, subject to applicable law. These may include:

• Access and Correction: You may request access to the personal information we hold about you and ask us to correct or update any inaccurate or incomplete data.
• Withdrawal of Consent: If we are processing your personal data based on your consent, you have the right to withdraw that consent at any time. Note that withdrawal of consent will not affect the lawfulness of processing based on consent before its withdrawal, but it may limit our ability to provide certain services to you.
• Deletion: You can request deletion of your personal information. If you request deletion, we will erase your data from our active records within a reasonable time, provided we do not have a legal obligation to retain it (for instance, some regulations may require us to preserve certain transaction records for a set period).
• Opt-out of Marketing: If you have subscribed to marketing emails or newsletters, you can opt out at any time by following the unsubscribe instructions in those communications or by contacting us at [Contact Email]. We will process your opt-out request as soon as feasible.

To exercise any of these rights, you can contact us using the details provided in the “Contact Us” section below. We may need to verify your identity (for your security) before fulfilling certain requests. Please note that some rights may not be absolute and can be subject to certain legal or contractual limitations.

Third-Party Websites and Services

Our website may contain links to third-party websites or services (for example, links to partner bank portals, insurance providers, or educational resources). We do not have control over the privacy practices or content of those third-party sites. If you click on a third-party link and leave our site, any data you provide to that external site is governed by their privacy policy, not ours. We encourage you to review the privacy policies of any external websites or services you interact with via our platform.

Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors without appropriate parental or guardian consent. If you are under 18, please use our services only with the involvement of a parent or guardian. In the event we become aware that we have collected personal data from someone under 18 without verification of parental consent, we will take prompt steps to delete such information from our records. Parents or guardians are encouraged to be involved in the online activities of their children to help ensure that no data is collected from a child without proper permission.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If we make material changes, we will post the updated policy on this page and update the “Last updated” date above. In some cases, we may also notify you via additional means (such as email or prominent notice on our site) of significant changes. We encourage you to review this Policy periodically to stay informed about how we are protecting your information. Your continued use of our website or services after any changes to this Policy constitutes your acceptance of the updated terms.

Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or the handling of your personal information, you may reach out to us. We have appointed a Grievance Officer to address any data privacy concerns or grievances. You can contact the Company or our Grievance Officer at:

Email: info@sarthipe.com
Address: C 25 A Saraswati Nagar, Malviya Nagar, Jaipur, 302017 Rajasthan

We will strive to respond to your queries and resolve any issues at the earliest. Your privacy is important to us, and we appreciate the opportunity to address your concerns. For more details on our grievance redressal mechanism, please refer to our Grievance Redressal Policy.