Bachat Finance — Privacy Policy

Bachat Lal Online Services Private Limited (“we”, “us”, “Company”) — Effective Date: 7 July 2025

Company Information

Entity: Bachat Lal Online Services Private Limited Brand / Website: www.bachatfinance.com CIN: U72900UP2017PTC091979 GSTIN: 09AAHCB1735D2ZX PAN: AAHCV1735D Registered Office: K K Tower, First Floor, 1898/3, Annapurna Tower, Agra Road, Dampier Nagar, Mathura, Uttar Pradesh – 281001

Privacy Policy

This Privacy Policy explains how we collect, use, disclose and protect your personal information when you visit or use www.bachatfinance.com and related services.

1. Information We Collect

We may collect: name, contact details (email, phone, postal address), identity data (PAN, Aadhaar — only when required and with consent), financial data (bank details, loan information, repayment history), transaction data, device & technical data (IP address, browser type, cookies), and any other information you provide.

2. Purpose of Processing

We use data to: provide & operate financial services (loans, policies, investments), assess eligibility, process applications, perform KYC & fraud checks, communicate service updates, comply with legal/regulatory obligations, and improve services.

3. Legal Basis & Consent

For processing sensitive personal data we obtain explicit consent where required under Indian laws. You may withdraw consent for marketing at any time.

4. Sharing & Disclosure

We may share data with partner banks, NBFCs, insurance companies, credit bureaus, payment processors, advisors, regulators or service providers under contract. We do not sell data.

5. Data Security

We implement technical and organizational measures (encryption, access controls) to protect personal data, though no system is completely secure.

6. Data Retention

Data is retained only as long as needed for legal or operational purposes.

7. Your Rights

You may request access, correction, erasure, or restriction of your personal data by contacting us at the provided address.

Who we are

Suggested text: Our website address is: http://bachatfinance.com.

Comments

Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year. If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser. When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed. If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

Suggested text: If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Suggested text: Visitor comments may be checked through an automated spam detection service.