We collect all those information provided or shared by you while registering through our website or applying for our services or applying for a new service from us or from our lender partner if any such as Full Name, Contact Number, Email ID, Address, date of birth, Permanent Account number, Unique identification number and such other information as required during the course of provision of service.Collecting this personal information enables us to provide better service or digital service. By giving us this information, you agree to this information being collected used, disclosed as described or from documents that you may provide to us and/or from documents like the credit report that you authorise us to obtain on your behalf as per the terms and condition, additional terms if any and in this privacy policy. We will collect your profile information based on your consent from digital and social media properties including but not limited to Facebook, Linkedin, Google etc.

If you are just browsing the website, we collect the same basic information as other websites collect. We use common internet technologies, such as cookies, webservers. Etc. This is stuff we collect from everybody whether you have registered or have an account with us or not. Information we collect about all visitors to our website includes visitor’s browser type,

1. Change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it. 2. Set your browser to automatically not accept any cookies.

In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count users of the Services, to monitor how users navigate the Services, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed. We do not tie web beacons to Personal Information. We use a third-party tracking service that uses cookies to track non-personally identifiable information about visitors to our site.

An embedded script is programming code that is designed to collect information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Services, and is deactivated or deleted thereafter.

Our Website includes Social Media Features, such as the Facebook Like button, Share this button on Facebook, Instagram, Twitter or any other social media websites or apps or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

We provide paid products and/or services on our Website. In that case, we use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our thirdparty payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council.

We use the information for the following purposes:
1. To provide services by using our website and communicate with you for service-related matters.
2. To address and respond to service request and customer support issues.
3. To detect, prevent or otherwise address fraud security, unlawful or technical issues
4. To fulfil our contracts
5. To send you product updates, marketing communication and service information.
6. Analyse data, including through automated systems and machine learning to improve our services or your experience.
7. To provide you information about your use of services, benchmarks, insights and suggestions and recommendation for improvement, protection of credit score.
8. To personalize and improve our services including providing you with targeted advertising.
9. To provide lenders with information which enables them to further provide details about your loan account or credit facility and suggest necessary actions to be taken.
10. To determine trends or metrics concerning how users are engaging with our online properties including our webpage.
11. We are neither associated with nor an agent of any Credit Bureau of India.We do not report or change or amend any contents of the credit report.We provide from and as updated on the credit bureau websites.We purely work as advisors and take up the matter with financial institutions,banks,credit bureaus,etc on behalf of our clients.We do not have any tie up or agency with any other organisation.

To note that information or documents if any provided by you is used to help us provide you better services. You have the ability to choose what personal information, including what sensitive personal information you provide to us. However, if you decide to not provide any mandatory or all information as requested by us, we may not be able to provide you with the services that you have requested for. At any point of time while using or availing our services, you may decide to withdraw the consent given by you earlier to access or provide personal or sensitive information by dropping a mail on [email protected]. In this case the fees so paid by you will not be eligible for refund. When you provide your contact details, we will use it to send you general notices or important news about your account, request your feedback or opinions and provide updates on special deals and offers that might interest you.

We may access, use, preserve, transfer and disclose your information (including Personal Information, including disclosure to third parties: (i) to satisfy any applicable law, regulation, summonses, orders, governmental requests or legal process if in our good faith opinion such is required or permitted by law; (ii) to protect and/or defend the Terms for any of our Services or other policies applicable to any of our Services, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Services or any third party; and/or (iv) to detect, prevent or otherwise address fraud, security or technical issues. Further, we may use IP addresses or other Device Identifiers, to identify users, and may do so in cooperation with third parties such as copyright owners, internet service providers, wireless service providers and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion. Such disclosures may be carried out without notice to you.

We may share your information, including your Personal Information, and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process.

We may use third party vendors to perform certain aspects of the Services on our or your behalf, such as hosting the Services, designing and/or operating the Services’ features, tracking the Services analytics or performing other administrative services. We may provide these vendors with access to user information, including Personal Information, to carry out the services they are performing for you or for us. However, we restrict the use of this information by such third-party vendors in our agreement with them and require them to use the information only to provide their services to us.

FincoAdvisors.com maintains physical, electronic, and procedural safeguards that comply with regulations to protect Personal Information that we collect about you. We enable our servers with Secure Socket Layer (SSL) technology to establish a secure connection between your computer and our servers, creating a private session. We employ firewalls and other security technologies to protect our servers from external attack and securely store your Personal Information. We control access to this information via secure web pages, and limit access to only those employees or third parties on a need to know basis. We test our systems regularly to insure that our security mechanisms are up to date. We incorporate commercially reasonable safeguards to help protect and secure your Personal Information and Credit Report Information. However, no data transmission over the Internet, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure the security of any information you transmit to us you provide us with your information at your own risk

From time to time, we may change this Online Privacy Statement. The effective date of this statement, as indicated below, shows the last time this statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

FincoAdvisors.com will not retain your sensitive personal information for longer than as required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force. When you use/avail the services or send any data, information or communication to FincoAdvisors.com, you agree and understand that you are communicating with Fincoadvisors.com through electronic records and you consent to receive communications via electronic records from Fincoadvisors periodically and as and when required. Fincoadvisors.com will communicate with you by email or any push or other message or electronic records on the email address and or mobile number available with Fincoadvisors.com which will be deemed adequate service of notice / electronic record.

By visiting the Site or using any of the Services You are agreeing to the Terms and Conditions. Unless otherwise specified, the Service is available for individuals aged 18 years or older. If You are under the age of 18, you should review the Terms and Conditions with your parent or legal guardian to make sure that you and your parent or legal guardian understands and agrees to it on your behalf.

Please note that this Privacy Policy may change from time to time. We will may reduce your rights under this Policy without your explicit consent, and we expect most such changes will be minor. Regardless, we will post any policy changes on this page. Each version of this Policy will be identified at the top of the page by its effective date. If you have any questions or concerns about this Policy, please feel free to contact us any time through this web site. The Companies reserve their right to change, modify or update this privacy statement at any time without notice.

If you have any questions about the Companies’ Privacy Policy, collection, use, or disclosure of your personal information, please contact us.

You shall be eligible for any cancellation or refund only if Finco Advisors have not commenced any services availed by you. In such cases, you shall raise a request in writing within first 3 days of making such payment for respective services under these Terms, providing the reason for cancelation. Finco Advisors shall review the request at it will be sole discretion of Finco Advisors to approve a refund which shall not exceed 50% of such fees paid by you to this Order. The fees if any to be refunded based solely on managements decision will be refunded only to customer bank account within 15 days for whom the services were subscribed

Persons availing or using our services, shall be entitled to charges for the Service as per the respective Service that you subscribed to. The fees, cost, taxes or any charges as applicable from time to time as updated by the management and charged to the person availing or using our services may be refunded after deducting the cost and necessary charges incurred for rendering the services based on the discretion of the management, with a right to either not to refund. In case of refund cases, you may be entitled to refund based on the discretion of the management, only if you have pre-paid the charges, cost, fees, etc. for using or availing our services only to customer bank account within 15 days upon intimation of refund by the management. The records maintained or availed or available with Finco Advisors shall be final and binding for refund or cancellation process.
Finco Advisors may receive a referral / facilitation fee from third party banks or any other credit institutions for (i) assisting with the settlement or payment of outstanding amounts dues owed to them by you and / or (b) for referring their products / services to you and by accepting these Terms you confirm that you have no objection to the same.

There is no return policy of the company.

If you have any concern or grievance or want to address any discrepancy with respect to the processing of any of the information/data you provided to Fincoadvisors.com, please contact our Grievance Officer (Mr Mudit) by email addressed to [email protected] and we will study the matter and take such action as we deem appropriate under the circumstances in accordance with law.