1. Introduction
FastCredit Solutions ("we", "us", "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose and safeguard your information when you use our website and services.
2. Scope
This Policy applies to all personal data collected through our website, mobile applications, forms, emails, telephonic interactions, or other channels (collectively, the "Services").
3. Types of Data We Collect
Personal Data (Identifiable)
- Full name, date of birth, gender
- Contact details: email, mobile number, address
- Government identifiers: Aadhaar, PAN, passport (where provided)
- Employment and income details, business information
- KYC documents and supporting documents (bank statements, ITR, salary slips)
Technical & Usage Data
- IP address, device identifiers, browser type, operating system
- Referrer URLs, pages visited, usage patterns, timestamps and clicks
Analytics & Cookies
We use cookies and similar technologies to analyze trends, administer the site, track user movements, and gather demographic information.
4. How We Collect Data
- Directly from you: when you register, fill forms, upload documents or communicate with us.
- From partner lenders: if you provided consent for lenders to share offer or status information.
- Automatically: via cookies, server logs, analytics tools and similar technologies.
5. Purposes of Processing
We process personal data for the following purposes:
- To evaluate loan eligibility and share your application with partner lenders.
- To verify your identity and KYC documentation.
- To communicate about your application, offers and status updates.
- To perform fraud prevention, credit checks and risk assessments.
- To improve, personalize and optimize our Services and marketing.
- To comply with legal and regulatory obligations.
6. Lawful Basis
We rely on various lawful bases to process personal data, including:
- Consent — when you provide explicit consent for certain processing (e.g., marketing).
- Contractual necessity — to provide the Service and process your loan application.
- Legitimate interests — to improve services, detect fraud and secure our platforms, balanced against your rights.
- Legal obligations — to comply with KYC, anti-money laundering and tax laws.
7. Sharing & Disclosure
We may share your personal data with:
- Partner lenders who evaluate and process loan applications;
- Service providers (e.g., cloud providers, analytics, payment processors) who assist us;
- Credit bureaus and fraud prevention agencies (as required by lenders or law);
- Regulatory or law enforcement authorities where required by law or court order.
We do not sell your personal data to third parties.
8. Cookies & Tracking
We use cookies and similar technologies for essential site functionality, analytics and marketing. You can manage or block cookies using your browser settings; however, blocking cookies may impact site functionality.
9. Data Security
We implement reasonable technical and organizational measures to protect personal data from unauthorized access, disclosure, or loss. Measures include encryption, access controls, secure hosting and staff training. However, no method of transmission or storage is 100% secure.
10. Data Retention
We retain personal data only as long as necessary for the purposes described, to comply with legal obligations, to resolve disputes, or to enforce our agreements. Retention periods vary by data type and purpose (typically between 1 to 7 years unless law requires a longer period).
11. International Transfers
Where required, your personal data may be transferred to, stored, and processed in countries other than India. When doing so we ensure appropriate safeguards (e.g., contractual clauses) are in place to protect your data.
12. Your Rights
Subject to applicable law, you may have the right to:
- Access the personal data we hold about you;
- Request correction of inaccurate or incomplete data;
- Request deletion of your personal data (subject to legal retention obligations);
- Object to or restrict processing in certain circumstances;
- Receive a copy of your data in a structured, machine-readable format (data portability);
- Withdraw consent where processing is based on consent.
To exercise any rights, contact us at sonufastcreditsolutions@gmail.com. We may require identity verification before fulfilling requests.
13. Marketing Communications
We may contact you with marketing messages where you have provided consent or where we have a legitimate interest and have not opted out. You can opt out of marketing emails or SMS at any time by following the unsubscribe link or contacting us.
14. Children
Our Services are not intended for children under 18. We do not knowingly collect personal data from children under 18. If you believe we have collected such data, please contact us to request deletion.
15. Changes to this Policy
We may update this Privacy Policy periodically. We will post any changes on this page with an updated "Last updated" date. Continued use after updates indicates acceptance of the revised policy.
16. Complaints & Grievances
If you have a complaint about our privacy practices, contact us at sonufastcreditsolutions@gmail.com. We will investigate and respond. If unresolved, you may escalate to appropriate supervisory authorities.
17. Contact
For any privacy-related queries, please contact:
- Email: sonufastcreditsolutions@gmail.com
- Phone: +91 8101909337
- Address: 3B5/2, Baguihati, Raipur Road, Kolkata, 700059