Privacy Policy

1. Introduction

Highness Finance Private Limited ("Highness Finance", "Company", "we", "our", or "us") is committed to protecting the privacy and confidentiality of our customers, website visitors, borrowers, and business partners. This Privacy Policy explains how we collect, use, process, store, and protect your personal information.

2. Company Information

3. Information We Collect

We may collect the following information:

• Full Name, Address, Email Address, and Mobile Number
• Date of Birth and Identification Details
• PAN Card, Aadhaar, Passport, Voter ID, Driving License or other KYC documents
• Employment and Income Information
• Business and Financial Information
• Bank Account Details
• Loan Application and Repayment Information
• Collateral and Security Details
• Website Usage Data and Device Information

4. How We Use Your Information

Your information may be used for:

• Processing loan applications.
• Identity verification and KYC compliance.
• Credit assessment and risk evaluation.
• Loan servicing and repayment management.
• Customer support and communication.
• Fraud prevention and security monitoring.
• Regulatory and legal compliance.
• Improving our products, services, and website.

5. Sharing of Information

We may share your information with authorized third parties where necessary, including:

• Reserve Bank of India (RBI) and Regulatory Authorities
• Government Departments and Law Enforcement Agencies
• Credit Information Companies and Credit Bureaus
• Verification Agencies and Service Providers
• Legal Advisors, Auditors, and Compliance Professionals
• Collection and Recovery Agencies where applicable

We do not sell or rent your personal information to third parties for marketing purposes.

6. Data Security

We maintain appropriate technical, administrative, and physical safeguards to protect personal information against unauthorized access, misuse, disclosure, alteration, or destruction.

While we strive to ensure maximum security, no method of transmission over the internet is completely secure.

7. Data Retention

We retain personal information for as long as necessary to fulfill legal, regulatory, contractual, and operational requirements. Information may continue to be retained even after loan closure if required by law or regulatory guidelines.

8. Cookies & Website Analytics

Our website may use cookies and similar technologies to enhance user experience, improve website performance, analyze visitor behavior, and remember user preferences.

Users may choose to disable cookies through their browser settings; however, some website features may not function properly.

9. Customer Rights

Subject to applicable laws, customers may request:

• Access to their personal information.
• Correction of inaccurate information.
• Updating of contact and account details.
• Withdrawal of consent where legally permissible.
• Clarification regarding data processing activities.

10. Third-Party Websites

Our website may contain links to external websites. Highness Finance is not responsible for the privacy practices, content, or security of third-party websites. Users should review the privacy policies of those websites independently.

11. Children's Privacy

Our financial services are not intended for minors. We do not knowingly collect personal information from individuals who are not legally eligible to enter into financial agreements.

12. Regulatory Compliance

Highness Finance complies with applicable laws, RBI regulations, NBFC guidelines, and other legal requirements relating to customer information and data protection.

13. Changes to this Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time. Changes will become effective immediately upon publication on this website.

14. Contact Information

If you have any questions regarding this Privacy Policy or our data handling practices, please contact us through the details provided on our website or at our registered office.