Effective Date: 1st January 2025 | Last Updated: 07 June 2026
EQUIFI SALES PVT LTD ("we", "our", "us"), operating under the brand name EQUIFI - Vehicle Finance Solutions, is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, store, share and protect information obtained from users ("you", "your") of our website equifi.in and related services.
We may collect the following categories of information when you use our website or avail our services:
a) Personal Identification Information
Full name, date of birth, gender, father's/spouse's name, marital status, photograph, and signature.
b) Contact Information
Phone number, email address, residential address, permanent address, city, state, PIN code.
c) Identity & KYC Documents
Aadhaar number, PAN card number, Voter ID, Driving Licence, Passport, and any other government-issued identification documents required for loan processing and KYC compliance.
d) Financial Information
Income details, salary slips, bank statements, ITR documents, existing loan details, credit score information, and other financial records necessary for loan eligibility assessment.
e) Vehicle & Asset Information
Vehicle registration number, make, model, year of manufacture, chassis number, engine number, insurance details, fitness certificate details, and related vehicle documentation.
f) Employment Information
Employer name, designation, office address, nature of business, years of experience, and employment type (salaried/self-employed).
g) Technical & Usage Data
IP address, browser type and version, operating system, device information, pages visited, time spent on the website, referring URL, and click patterns.
We collect information through the following means:
Directly from you — when you fill out our loan application forms, contact forms, callback request forms, EMI calculator, or communicate with us via phone, email, or in person.
From our partner institutions — banks, NBFCs (Non-Banking Financial Companies), and other financial institutions with whom your loan application is processed, may share application status and related updates with us.
Automatically — through cookies, web analytics tools, and server logs when you browse our website.
From third parties — credit bureaus, verification agencies, and other authorised sources as permitted by law for the purpose of processing your loan application.
Your information is collected and used for the following purposes:
Loan Processing & Facilitation — to evaluate your loan eligibility, submit applications to our banking and NBFC partners, track application status, and facilitate disbursement.
Communication — to contact you regarding your loan application status, document requirements, follow-up calls, and to respond to your enquiries.
KYC & Compliance — to comply with Know Your Customer (KYC) requirements, Reserve Bank of India (RBI) guidelines, and other applicable regulations.
Service Improvement — to analyse usage patterns, improve our website functionality, and enhance our service offerings.
Marketing — to send you information about our services, offers, and updates. You may opt out of marketing communications at any time.
Legal Obligations — to comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
We may share your personal information with the following parties:
Banking & NBFC Partners — your loan application details, KYC documents, financial documents, and vehicle details are shared with our partner financial institutions (such as TATA Motors Finance, Cholamandalam Finance, YES Bank, and others) solely for the purpose of processing and evaluating your loan application.
Verification Agencies — to verify your identity, address, employment, and other details as part of the loan processing workflow.
Credit Bureaus — to check or update your credit information as part of loan eligibility assessment, subject to your consent.
Service Providers — with trusted third-party service providers who assist us in website hosting, data analytics, email communication, and IT support, under strict confidentiality agreements.
Legal Authorities — when required by law, court order, or government regulation, or to protect our rights and safety.
We take appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include:
Encryption — sensitive data such as passwords are encrypted using industry-standard hashing algorithms. Data transmission on our website is secured via SSL/TLS encryption.
Access Controls — access to personal data within our organisation is restricted to authorised personnel on a role-based, need-to-know basis.
Secure Storage — uploaded documents are stored in non-publicly accessible server directories and served through secure, authenticated controllers.
Audit Trail — we maintain comprehensive activity logs that track who accessed, modified, or deleted data within our systems for accountability and compliance purposes.
While we strive to protect your personal information, no method of electronic storage or transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.
Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies are small text files stored on your device that help us:
Essential Cookies — required for core functionality such as session management and security.
Analytics Cookies — help us understand how visitors interact with our website, which pages are most popular, and how to improve user experience.
Preference Cookies — remember your settings and preferences for future visits.
You can control and manage cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. We do not use cookies for targeted advertising.
Our website may contain links to websites of our banking partners, NBFC partners, and other third-party services. We are not responsible for the privacy practices or content of these external websites. We recommend that you review the privacy policies of any third-party website you visit.
We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable laws and regulations. Specifically:
Active Loan Applications — data related to active or in-progress applications is retained until the loan is fully processed, disbursed, and all post-disbursement documentation is complete.
Completed Applications — records of completed, rejected, or cancelled applications are retained for a minimum of 8 years in compliance with financial record-keeping requirements.
Marketing Data — if you opt out of marketing communications, we will retain your opt-out preference but cease sending promotional communications.
Website Usage Data — anonymous analytics data is retained for up to 2 years for trend analysis purposes.
Under the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 (DPDP Act) of India, you have the following rights regarding your personal data:
Right to Access — you have the right to request a summary of the personal data we hold about you and how it is processed.
Right to Correction — you may request correction or updating of inaccurate or incomplete personal information.
Right to Erasure — you may request deletion of your personal data, subject to legal and regulatory retention requirements.
Right to Withdraw Consent — you may withdraw your consent for data processing at any time. Please note that withdrawal of consent may affect our ability to provide services to you.
Right to Grievance Redressal — you have the right to file a complaint with our Grievance Officer or the Data Protection Board of India if you believe your data has been mishandled.
To exercise any of these rights, please contact our Grievance Officer using the details provided in Section 12 below.
Our services are intended for individuals who are 18 years of age or older. We do not knowingly collect personal information from anyone under the age of 18. If we become aware that we have collected personal data from a minor, we will take steps to delete such information promptly.
We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website and services after any changes constitutes your acceptance of the updated policy.
In accordance with the Information Technology Act, 2000 and the rules made thereunder, the details of the Grievance Officer are as follows:
We will endeavour to address your concerns and resolve any grievance within 30 days of receiving your complaint.
© 2026 EQUIFI SALES PVT LTD. All rights reserved.
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