Privacy policy · THAR Commercial Finance

About this policy

This website, www.tcfpl.in, and related internet-based applications (together, the “Website” or “Services”) are owned and operated by Thar Commercial Finance Pvt. Ltd., a company incorporated under the laws of the Republic of India with its office at A Wing, 602, Kaledonia Building, Sahar Road, Andheri East, Mumbai 400069, Maharashtra (“we”, “us”, “our” or “TCFPL”).

This Privacy Policy explains what information we collect and how we use it. Please read it together with our Terms of Use and the other information on the Website.

Nothing on the Website is an offer or a promise to grant any financial service.

1. Use of our Website or Services

You may use the Website and Services as set out in our Terms of Use.

2. Information we collect

Information you provide through the Website or Services, as needed for the service you ask for.
Information from credit bureaus and service providers, for customer verification and the diligence we and our partners must carry out.
Log information: search queries, IP address, crashes, date and time.
Location information.
Local storage: browser web storage and application data caches.
Cookies and similar technologies.
Details needed to administer our services and improve our products.
Recordings of calls, where we consider it necessary for quality checks and staff training; recordings may also be used to combat fraud.
Feedback you give us.
Third-party advertising: we may use third-party advertising companies to serve ads when you visit the Website. They may use information about your usage preferences (not your name, address, email address or telephone number) to show you relevant advertisements. We are not responsible for the products, services or privacy practices of websites we do not own, manage or control.
Closing your account: your information may remain archived on our servers after your account is closed or deleted.
Retention: we keep your information for as long as your account is valid, as you consented when creating it, and as required by law and regulation, including the Prevention of Money Laundering Act, 2002.

3. How we use your information

To provide the products or services you have asked for.
To share information with our partners to help them make credit decisions about you.
To investigate breaches of our Terms of Use or defend legal claims.
To disclose information where the law requires it, such as court summons, court orders, or requests from legal authorities or law enforcement agencies.
To search credit bureaus and fraud prevention agencies.
To contact you by email, SMS, letter, telephone or otherwise about our products and services.
To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes.
To understand your needs and develop or improve products that may interest you.
To provide information to independent external bodies, such as government departments and agencies, universities and similar bodies, for research.
For other administrative and operational purposes, including testing our systems.
To trace your whereabouts and recover any payments you owe us or our partners.
To comply with our regulatory obligations and maintain records required by law or by our agreements.
To show you advertisements and contact you as a survey respondent.
To carry out, monitor and analyse our business, market research, statistical analysis and audits.

4. Your consent

You consent to our sharing your information with third parties to provide the product or service you have asked for, to enable them to contact you, and with service partners to respond to your queries or resolve service issues; and to our collecting and using your information as described in sections 2 and 3.

By using the Website or Services you authorise us, our affiliates and our partners to contact you by email, phone call or SMS about their products and services, product information and promotional offers.

5. Security

Your account is protected by a password. You are responsible for keeping it safe and for following the terms on the Website that apply to it.

6. Changes to this policy

We may change this Privacy Policy from time to time. We will tell you by email at the address linked to your account, or you can read the current version on the Website.

7. Part of our Terms of Use

This Privacy Policy forms part of our Terms of Use and any other terms specific to the Website, Services or your account.

8. Contact

For any question about this Privacy Policy, write to compliance@tcfpl.co.in.