Our Policies

1. Privacy Policy:

Welcome to SLN Finserv! We appreciate your trust in us and are committed to safeguarding your privacy. This Privacy Policy outlines how SLN Finserv ("we," "us," or "our") collects, uses, and shares your information when you access our website, mobile application, or interact with our services.

Information We Collect:

At SLN Finserv, we collect various types of information to provide and enhance our services. The information we collect may include:

• Personal Information: This comprises your name, contact details (such as phone numbers, email addresses, mailing addresses), date of birth, gender, contact preferences, authentication data, financial information (such as creditworthiness data, bank details), and any other information necessary for delivering our services.
• Device Information: We may gather information about the devices you utilize to access our services, including device identifiers, IP address, browser type, operating system, and network information.
• Usage Data: Information regarding how you interact with our services, such as the pages you visit, the features you utilize, the actions you perform, and other usage patterns.

How We Use Your Information:

We utilize the information we collect for various purposes, including:

• Service Provisioning: Facilitating account creation and authentication, delivering and managing our services, including loan-related activities such as loan application processing, eligibility assessment, and loan disbursal.
• Communication: Sending administrative and promotional communications, responding to your inquiries and requests, providing customer support, and notifying you about important updates or changes to our services.
• Personalization: Tailoring your experience by delivering targeted advertising and personalized content based on your interests, preferences, and previous interactions with our services.
• Analytics: Analyzing usage data to improve our services, identify trends, measure the effectiveness of our marketing campaigns, and enhance the user experience.
• Security: Protecting the security of our services and preventing fraudulent activities, unauthorized access, or other harmful actions.
• Compliance: Fulfilling legal obligations and regulatory requirements, such as anti-money laundering laws, consumer protection regulations, and data protection laws.

Information Sharing:

We may share your information with third-party service providers, financial institutions, credit bureaus, and partners who assist us in delivering our services. These entities are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using your information for any other purposes. Additionally, we may share your information in connection with business transfers, mergers, acquisitions, or reorganizations, as well as with affiliates, business partners, or other trusted third parties for targeted advertising purposes. We may also disclose information when required by law, court order, or government request, or to protect our rights, property, or safety, or the rights, property, or safety of others.

Cookies and Tracking Technologies:

We utilize cookies, web beacons, and similar tracking technologies to enhance your experience and collect usage data on our website and app. Cookies are small files stored on your device that help us improve our services and provide a better user experience. By using our services, you consent to the use of cookies and similar technologies as described in this Privacy Policy. You can manage your cookie preferences through your device or browser settings. Please note that disabling cookies may affect the functionality of our services.

Data Retention:

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or for legitimate business purposes. We may also retain certain information for audit purposes, resolving disputes, enforcing our agreements, or as otherwise required by law.

Your Rights:

You have the right to access, update, and delete your personal information. You can also withdraw consent for marketing communications and request data portability. If you have any questions or concerns about your privacy rights or wish to exercise your rights, please contact us using the contact information provided below.

Children's Privacy:

We do not knowingly collect personal information from children under 18 years of age. If you believe that we have collected information from a minor without parental consent, please contact us to delete it.

Updates to Privacy Policy:

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes through our website, app, or other appropriate channels.

Grievance Redressal:

If you have any questions, concerns, or grievances regarding this Privacy Policy or our data practices, please contact our Grievance Officer at:

• Phone number: 080-62177303
• Email: support@slnfinserv.in

Effective Date: 01/01/2024

Website: www.slnfinserv.in

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2. TERMS AND CONDITIONS:

Welcome to www.slnfinserv.in ("Site"), owned and operated by SLN Finserv. By accessing or using this Site, you agree to comply with these Terms and Conditions ("Terms") and our Privacy Policy. Please read them carefully before proceeding.

Effective Date: 01/01/2024

1. Acceptance of Terms

By using this Site, you confirm your acceptance of these Terms. If you do not agree, you may not access or use the Site. SLN Finserv reserves the right to update or modify these Terms at any time without prior notice. Continued use of the Site constitutes acceptance of such changes.

2. Services Offered

The Site provides access to information and services related to loans, credit cards, insurance, and other financial products. By providing your contact details, you agree to be contacted by SLN Finserv and its partners regarding the selected services, including promotional offers via email, SMS, or phone.

3. User Responsibility

• You must be at least 18 years old to use this Site.
• Ensure the information you provide is accurate and up-to-date.
• Unauthorized access, copying, or misuse of the Site’s content is strictly prohibited.

4. Account Usage

You are responsible for maintaining the confidentiality of your account credentials. Any activities conducted through your account will be deemed your responsibility. Notify us immediately in case of unauthorized access.

5. Limited License

SLN Finserv grants you a limited, non-transferable license to access the Site for personal use. Commercial use, data mining, or reproduction of the Site’s content without prior consent is prohibited.

6. Third-Party Affiliations

The Site may include links to third-party websites. SLN Finserv is not responsible for the content or practices of these external sites.

7. Liability Disclaimer

SLN Finserv makes no guarantees about the accuracy, reliability, or suitability of the services and content provided on the Site. We are not liable for any direct, indirect, or consequential damages arising from the use of the Site.

8. Privacy and Communication

By using the Site, you consent to receive communications from SLN Finserv electronically or via other means. This includes service updates, promotional material, and reminders. Refer to our Privacy Policy for more details.

9. Indemnification

You agree to indemnify and hold SLN Finserv and its affiliates harmless from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

10. Governing Law

These Terms are governed by the laws of India. Any disputes will be subject to the jurisdiction of the courts in Hyderabad, India.

11. Modification and Termination

SLN Finserv reserves the right to modify or discontinue the Site and its services at any time without notice.

For more information, please contact our support team at support@slnfinserv.in

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3. SLN Finserv Data Storage Policy

Effective Date: 01/01/2024

Version: 1.0

Approval Authority: Management, SLN Finserv

Contact Information: Email - support@slnfinserv.in | Website - www.slnfinserv.in

1. Introduction

At SLN Finserv, safeguarding customer and business data is a top priority. This policy establishes guidelines for the collection, storage, protection, and usage of all data to maintain trust and comply with legal and regulatory requirements. It applies to employees, contractors, partners, and third-party service providers.

2. Objectives

The main objectives of this policy are:

• To protect customer and partner information from unauthorized access, alteration, or loss.
• To ensure compliance with national and international data protection laws, including GDPR and IT Act, 2000.
• To maintain transparency regarding data handling practices.

3. Scope

This policy applies to:

• All forms of data, including electronic, physical, and cloud-based data.
• Data processed, stored, and transmitted internally or externally with third parties.
• Employees, consultants, and external vendors who handle SLN Finserv’s data.

4. Categories of Data Covered

• Personally Identifiable Information (PII): Customer names, addresses, contact numbers, and identification details (e.g., Aadhaar, PAN). Financial data such as income, credit history, and account numbers.
• Sensitive Data: Passwords, biometric information, and loan application details. Insurance policies and medical records.
• Business Data: Loan disbursement and repayment records. Sales reports, revenue analytics, and expense records.
• Operational Data: Employee performance reviews, payroll details, and internal communications.

5. Data Classification

Data is classified into the following categories for handling and protection purposes:

• Public Data: Can be shared without restrictions (e.g., marketing content).
• Internal Data: Shared within SLN Finserv only (e.g., operational reports).
• Confidential Data: Restricted to specific teams (e.g., customer loan details).
• Sensitive Data: Requires the highest level of security (e.g., financial and biometric data).

6. Storage Protocols

• Digital Data Storage: Data is stored on secure servers hosted by reputable cloud service providers compliant with industry standards like ISO 27001. All data is encrypted using AES-256 encryption. Data is stored in a structured format for easy retrieval, with redundant backups for recovery.
• Physical Data Storage: Physical documents are stored in locked and access-controlled storage rooms. Sensitive information is marked and handled with additional precautions.
• Backup and Recovery: Weekly backups for digital data, with daily incremental backups for critical systems. Backups are stored in geographically separate locations to mitigate disaster risks.

7. Access Management

• Access is granted on a need-to-know basis using Role-Based Access Control (RBAC).
• Employees and third parties must use unique credentials to access systems.
• Access logs are maintained and reviewed periodically.
• A zero-trust policy is enforced for sensitive data access.

8. Data Retention and Disposal

Data retention periods are based on legal and operational requirements:

• Customer and financial data: 7 years from the end of the relationship.
• Business records: 10 years or as required by regulations.
• Expired data is securely deleted using industry-standard wiping software or shredded (for physical records).

Retention reviews are conducted annually to ensure compliance.

9. Security Standards

• Data Encryption: All data is encrypted both at rest and in transit using SSL/TLS protocols.
• Firewalls and Intrusion Detection Systems (IDS): Advanced firewalls and IDS systems protect our networks from external threats.
• Authentication and Password Policies: Passwords are stored using hashing algorithms (e.g., bcrypt). Employees are required to update passwords every 90 days.
• Endpoint Protection: Devices used to access company systems are secured with anti-virus software, VPNs, and regular updates.

10. Incident Management and Breach Response

In the event of a data breach or incident:

• Incident Identification: Breaches are identified through automated monitoring tools and manual audits.
• Response Team Activation: A dedicated Data Breach Response Team (DBRT) is activated.
• Notification Protocol: Authorities are informed within 72 hours. Affected customers are notified promptly with actionable advice.
• Remedial Actions: Investigations are conducted to identify root causes. Systems are patched, and corrective actions are implemented.

11. Employee Responsibilities

• Employees must adhere to SLN Finserv’s data protection policies and sign confidentiality agreements.
• Training on data security, phishing prevention, and compliance is conducted quarterly.

12. Third-Party Vendor Guidelines

Vendors handling SLN Finserv’s data must:

• Sign a Non-Disclosure Agreement (NDA) and Data Processing Agreement (DPA).
• Demonstrate compliance with SLN Finserv’s security standards.
• Undergo periodic audits by SLN Finserv’s compliance team.

13. Legal and Regulatory Compliance

SLN Finserv complies with the following laws and standards:

• Indian IT Act, 2000 (and amendments).
• RBI Guidelines on Data Localization.
• GDPR (for international transactions).
• ISO/IEC 27001 standards for information security.

14. Review and Updates

This policy will be reviewed annually or as required by changes in technology or regulations. Updates will be communicated to all stakeholders via email or the company website.

For further queries or concerns about this policy, contact us at support@slnfinserv.in

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4. Refund Policy

Effective Date: 01/01/2024

SLN Finserv's refund policy applies to fees charged for loan processing, credit cards, and other financial services.

Eligibility for Refunds

Refunds are applicable only if:

• The loan application was not processed due to errors on our part.
• The service was not delivered as promised.

Refunds are not applicable for:

• Administrative fees that have been fully disclosed upfront.
• Rejection of loan applications by financial partners.

How to Request a Refund

• Submit a refund request via email at support@slnfinserv.in.
• Provide your transaction details and reason for the request.

Processing Time

Refunds are processed within 7-10 business days after approval.

Contact Us

For refund-related inquiries, email us at support@slnfinserv.in