Privacy Policy

Samriddhi Finance ("Samriddhi Finance", "we", "us", or "our") is committed to protecting the privacy of visitors to our website and our members. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have — including when you make a payment to us using UPI or other digital payment methods through our payment gateway partner.

1. Information we collect

We may collect the following categories of information:

• Identity & contact information: name, email address, phone number, postal address, date of birth, and KYC documents (PAN, Aadhaar or equivalent) where required to open an account or process a loan.
• Financial information: bank account details, income information, and transaction history related to your savings, deposit or loan account.
• Payment information: when you make a payment via UPI or card through our payment gateway partner, the partner processes your UPI ID / card details directly. We receive only transaction status, amount, date and a reference/transaction ID — we do not store your UPI PIN, card number, CVV or net-banking credentials.
• Technical information: IP address, browser type, device identifiers, and pages visited, collected automatically via cookies and similar technologies (see our Cookie Policy).
• Communications: records of correspondence when you contact us by phone, email, or our contact form.

2. How we use your information

• To open, administer and service your savings, deposit or loan account.
• To process payments and reconcile transactions made via UPI or other supported methods.
• To verify your identity and comply with KYC / anti-money-laundering obligations.
• To respond to enquiries, complaints and grievances.
• To send transactional communications (e.g. payment confirmations, account statements) and, with your consent, promotional communications.
• To detect, investigate and prevent fraud, unauthorised transactions and security incidents.
• To comply with applicable law, regulation, or a valid request from a regulator or law-enforcement authority.

3. Payment processing & UPI transactions

All UPI and digital payments made on this website are processed by our licensed, RBI-authorised payment gateway partner. When you initiate a payment, you are redirected to (or interact with) that partner's secure interface. We do not store sensitive authentication data such as your UPI PIN, OTP, card number, or CVV on our servers at any time. The payment partner shares with us only the minimum data necessary to confirm and reconcile your transaction (status, amount, timestamp, and a transaction reference).

4. Sharing of information

We do not sell your personal information. We may share information with:

• Our payment gateway and banking partners, solely to process and settle transactions.
• Service providers who support our operations (e.g. hosting, SMS/email delivery, customer support tools), under confidentiality obligations.
• Regulators, courts, or law-enforcement agencies where required by law.
• Credit bureaus or verification agencies, where relevant to loan or credit products.

5. Data retention

We retain personal and financial information for as long as your account remains active, and thereafter for the period required to meet our legal, regulatory, accounting and reporting obligations.

6. Data security

We use industry-standard technical and organisational measures — including encryption in transit, access controls and regular security reviews — to protect your information. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security, but we work continuously to protect your data against unauthorised access, alteration, disclosure or destruction.

7. Your rights & choices

You may request access to, correction of, or deletion of your personal information (subject to our legal and regulatory record-keeping obligations), and you may opt out of promotional communications at any time. To exercise these rights, contact us using the details in Section 10.

8. Children's privacy

Our services are intended for individuals aged 18 and above. Child savings accounts are opened and operated by a parent or legal guardian on the child's behalf; we do not knowingly collect personal information directly from minors.

9. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with a revised "last updated" date. Continued use of our website or services after changes take effect constitutes acceptance of the revised policy.

10. Contact us

For questions about this Privacy Policy or to exercise your data rights, contact us at: