Privacy Policy

Financial Rights & Awareness Foundation (FRAF) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, process, and protect your personal information while providing our services.

Information We Collect

Personal Information

• Full Name
• Mobile Number
• Email Address
• Date of Birth
• Address

Identity Documents

• PAN Card
• Aadhaar Card
• Passport (where applicable)
• Driving Licence (where applicable)
• Voter ID (where applicable)

Financial Information

• Credit Reports
• Bank Statements
• Loan Documents
• Account Information
• Payment Details
• Transaction Information

Legal Documents

• Court Documents
• RBI Complaint Documents
• DRT Case Documents
• Property Documents
• Any documents voluntarily submitted by the customer.

How We Collect Information

Information is collected when you:

• Register on our website.
• Upload documents.
• Submit a credit report.
• Apply for our services.
• Make payments.
• Contact our support team.
• Communicate through WhatsApp, Email, Phone Calls, or Google Meet.

Purpose of Collection

Your information is used only for legitimate business purposes including:

• Credit report analysis
• Credit dispute assistance
• RBI Complaint assistance
• DRT assistance
• Legal guidance
• Property dispute services
• Loan assistance
• Customer verification
• Payment processing
• Customer support
• AI-generated report analysis
• Compliance with applicable laws

Data Security

We implement industry-standard security measures including:

• Data Encryption
• Secure Cloud Storage
• Role-Based Access Control
• OTP Authentication
• Activity Logs
• Password Encryption
• Secure Backup Systems

Only authorized personnel may access customer information.

Sharing of Information

FRAF does not sell, rent, or trade customer information.

Information may be shared only:

• With Banks or NBFCs when authorized by the customer.
• With Credit Information Companies (TransUnion CIBIL, Experian, Equifax, CRIF High Mark) as required.
• With Legal Professionals, Advocates, or Consultants working on the customer's case.
• When required under applicable law, court orders, or government directions.

Customer Rights

Customers may request to:

• Access their personal information.
• Correct inaccurate information.
• Update contact information.
• Withdraw consent where legally applicable.
• Request deletion of information, subject to legal and regulatory requirements.

Cookies

Our website may use cookies and similar technologies to:

• Improve website performance.
• Enhance user experience.
• Maintain secure login sessions.
• Analyze website traffic.

Third-Party Services

Our website may integrate with:

• Google Login
• Google Maps
• WhatsApp
• Email Service Providers
• Payment Gateway Links
• AI Services
• Cloud Storage Services

Each third-party service operates under its own privacy policy.

Data Retention

Customer information is retained only as long as necessary for:

• Service delivery
• Legal compliance
• Regulatory obligations
• Record maintenance

Changes to this Privacy Policy

Financial Rights & Awareness Foundation (FRAF) reserves the right to update this Privacy Policy at any time. Updated versions will be published on our website with the revised effective date.

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