Zenith Gold Federation (Brand Name: Zenith Finance)

Privacy Policy
Effective Date: 21 May 2025
Company: Zenith Gold Federation Private Limited (Brand Name: Zenith Finance)
Registered Address :FLAT NO. 303,BLDG NO.9B,MANGALMURTI NAGAR,Vasai,Thane,Maharashtra,India-401208

At Zenith Finance, we are committed to protecting your personal information and your right to privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website or use our services, in accordance with applicable data protection laws in India.

1. Data Controller

Zenith Gold Federation Private Limited, operating under the brand name Zenith Finance, is the data controller for all personal information you provide while using our services.

1A. Legal Name and Brand Clarification

For the avoidance of doubt, Zenith Gold Federation Private Limited is the legal entity registered under the Companies Act, 2013, while Zenith Finance is the brand name used for its financial services operations. Any reference to “we,” “us,” “our,” “company,” or “Zenith Finance” in this Privacy Policy shall mean Zenith Gold Federation Private Limited.

2. Information We Collect

We collect various types of personal and non-personal information to ensure efficient delivery of our financial services.

a. Personal Information
We may collect the following information during loan applications, KYC verification, or customer support interactions:

  • Full Name

  • Date of Birth

  • Gender

  • Contact Information (Phone Number, Email)

  • Address Proof (Aadhaar Card, Passport, Voter ID, etc.)

  • Identification Numbers (PAN, Aadhaar)

  • Employment and Income Details

  • Bank Account Information (for disbursement and repayment)

b. Device & Technical Information
When you visit our website, we may collect non-personal data such as:

  • IP Address

  • Browser Type and Version

  • Time Zone Settings

  • Referring URL

  • Pages Visited and Duration

  • Device Type and Operating System

3. Purpose of Data Collection

We use the information we collect for the following purposes:

  • To verify identity and comply with KYC norms

  • To conduct creditworthiness assessments (e.g., via CIBIL or other bureaus)

  • To process loan applications and repayments

  • To comply with RBI and government regulations

  • To respond to customer service requests

  • To send important updates, notices, and transactional communication

4. Legal Basis for Processing

We process your data based on one or more of the following legal bases:

  • Your explicit consent

  • Legal obligations under RBI or regulatory requirements

  • Contractual necessity for loan disbursement and repayments

  • Legitimate business interests, such as fraud detection and internal analytics

5. Data Sharing & Disclosures

We may share your data only as necessary, with:

  • Credit Bureaus like CIBIL for reporting and scoring

  • Banks & Payment Gateways to facilitate disbursements and repayments

  • Third-party Service Providers for verification and operational support

  • Debt Collection Agencies, in cases of default or overdue accounts

  • Government and Legal Authorities, as required under law or by order

We do not sell your data to any third parties.

6. Data Retention

We retain your personal data only for as long as:

  • It is required for fulfilling the original purpose

  • Your loan account is active or under regulatory review

  • Necessary to comply with applicable laws, audit requirements, or dispute resolution

After the retention period, your data is securely deleted or anonymized using industry-standard practices.

7. Data Security

We implement stringent physical, electronic, and managerial procedures to protect your data:

  • SSL-encrypted transmission and storage

  • OTP-based verification for transactions

  • Role-based data access for internal teams

  • Regular data security audits and assessments

While we strive to protect your information, no system is 100% secure. Users are also responsible for safeguarding their login credentials and personal data.

8. Your Rights

As a user, you have the following rights regarding your personal data:

  • Access and review your personal data

  • Correct or update inaccurate information

  • Withdraw consent for non-mandatory processing

  • Request deletion of your data after loan closure (subject to regulatory retention periods)

To exercise any of the above rights, please contact our Grievance Officer listed below.

9. Children’s Privacy

Our services are strictly intended for individuals aged 21 years and above. We do not knowingly collect or process any personal data from individuals under this age. If we become aware of any such data being collected, we will take steps to delete it immediately.

10. Cookies & Tracking Technologies

We currently do not use cookies, browser tracking scripts, or third-party analytics tools to collect your browsing data. Should this change in the future, users will be notified and provided with the ability to opt in or opt out.

11. External Links

Our website may contain links to external websites for your convenience. However, we do not control or take responsibility for the privacy practices or content of any third-party sites. We encourage users to read the privacy policies of any such sites.

12. Policy Updates

We may update this Privacy Policy periodically to reflect changes in law, technology, or company practices. The “Effective Date” at the top of this document will be updated accordingly. Continued use of our services after such updates constitutes acceptance of the revised policy.

13. Grievance Redressal

For any complaints, data access requests, or privacy-related queries, please contact our Grievance Officer:

Name: Mr. Saurav Jaiswar
Phone: +91 78881 29343
Email: support@zenithfinance.site
Hours of Operation: Monday to Friday, 10:00 AM – 6:00 PM (IST)