Privacy & Policy

Welcome to Grameen Lakshmi Finance Private Limited. We operate the website [https://grameenlakshmifinance.com/] and provide financial services, including Business, Micro Pocket, Agriculture, SHG, JLG, Gold, and Water & Sanitation loans.

We are deeply committed to protecting the privacy, confidentiality, and security of the personal and financial information of our customers, website visitors, and users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or apply for our services.
By using our website or opting for our services, you explicitly agree to the collection and use of information in accordance with this policy.
1. Information We CollectTo provide efficient financial services and evaluate loan eligibility, we may collect the following categories of information:
Personal Identity Information: Name, date of birth, gender, marital status, photograph, and biometric data (where legally permitted for KYC).
Contact Information: Postal address, permanent address, phone number, and email address.
Government-Issued Identifiers: Aadhaar card, PAN card, Voter ID, Passport, or driving license details required for Know Your Customer (KYC) verification.
Financial and Employment Data: Income details, bank account statements, credit history, group savings records (for SHG/JLG), and business/farming asset details.
Technical Data: IP address, browser type, device details, and usage data collected through cookies when you browse our website.
2. How We Use Your InformationWe use the collected data for legitimate business and regulatory purposes, including but not limited to:
Verifying your identity and conducting mandatory KYC assessments.
Evaluating credit risk, loan eligibility, and processing loan applications.
Administering and managing your loan accounts, including disbursements and collections.
Communicating important updates, statements, and payment reminders.
Improving our website functionality, customer service, and digital platform user experience.
Complying with applicable laws, judicial orders, and directives from financial regulators or law enforcement authorities.
3. Sharing and Disclosure of InformationWe do not sell or rent your personal information to third parties. We may share your information only under the following circumstances:
With Credit Bureaus: We share credit history and repayment behavior with authorized Credit Information Companies (CICs) as mandated by financial regulations.
With Service Providers: We may share data with trusted third-party vendors, IT partners, cloud hosting providers, and collection agencies working on our behalf under strict confidentiality agreements.
Legal & Regulatory Compliance: We will disclose data if required to do so by law, court order, or by any government or statutory authority.
4. Data Security and StorageThe security of your data is paramount to us. Grameen Lakshmi Finance Pvt. Ltd. implements industry-standard technical, physical, and administrative security measures to protect your information against unauthorized access, loss, misuse, alteration, or destruction. Your data is stored securely within servers located in India.
5. Data RetentionWe retain your personal and financial data only for as long as necessary to fulfill the purposes outlined in this policy, or as strictly required under applicable Indian laws regarding financial record-keeping and audit compliances.
6. Your Privacy RightsYou have the right to inspect, review, and request corrections to any inaccurate or outdated personal information we hold about you. Please note that changing or withdrawing certain information may affect your eligibility for active loan products or services.
7. Cookies PolicyOur website uses cookies to enhance your browsing experience. Cookies are small files stored on your device that help us analyze web traffic and remember your preferences. You can choose to accept or decline cookies through your browser settings, though declining may limit some website functionalities.
8. Changes to This Privacy PolicyWe reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices or regulatory requirements. Any updates will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.