Privacy Policy
This Privacy Policy (“Policy”) explains how Capital Small Finance Private Limited (“CSFPL,” “Capital Small Finance,” “we,” “us,” or “our”) collects, uses, stores, processes, and shares your personal data when you access or use our website www.capitalsmallfinance.com (“Platform”).

This Policy applies to all users, including registered members, unregistered visitors, and anyone using the Platform (“you” or “your”).

1. User Consent and Acknowledgment
1.1 By using our Platform, you consent to the collection, use, storage, and sharing of your personal and sensitive data as described in this Policy.

1.2 You may choose not to share certain data. However, refusal to provide necessary data may limit or prevent your access to our Services.

2. Purpose of Data Collection
We collect minimal and necessary data to:

Provide our Services smoothly and securely,

Ensure legal compliance,

Customize your user experience.

You may browse the website without revealing your identity. However, registration and certain Services will require personal data.

3. What We Collect and Why
3.1 For Credit Facility:
Identity & Profile Data: Name, date of birth, gender, occupation, contact info

KYC Documents: Aadhaar, PAN, and other government-issued ID

Financial Data: Bank details, statements, and NACH mandates

Usage: For verification, creditworthiness checks, disbursal, and EMI collection

3.2 For Credit Reports:
Name, date of birth, address, mobile number, PAN

3.3 For Other Services (Insurance, BBPS, Gold, Mutual Funds, Rewards, Job Portal):
Name, pin code, mobile number

3.4 Additional Data:
Transaction Data: To process and track your activity on the Platform

SMS Data: Financial SMS (not personal) accessed once during loan onboarding for automated creditworthiness assessment

Device Data: IP address, browser, time zone, OS, etc., for analytics

Marketing Preferences: Communication preferences

3.5 Third-Party Data:
We may receive data from:

Service providers (for advertising, analytics)

Public sources
Note: We are not responsible for the misuse of any data you post publicly.

4. Use of Your Personal Data
Your data is used to:

Register and verify your account

Provide and improve our Services

Ensure compliance with RBI and legal obligations

Communicate with you about services, offers, and support

Prevent fraud and address technical issues

Enable repayment and recovery

Understand user preferences and usage patterns

5. Data Sharing
5.1 We share your data only:
With your explicit consent (unless required by law or court order),

To provide our Services effectively.

5.2 We may share your data with:
Lending Partners (for Credit Facility),

Service providers (mutual funds, insurance, etc.),

Data analytics and customer service partners,

Government/regulatory authorities (as legally required),

Affiliates/group companies (for processing and analysis),

In case of business mergers, reorganizations, or acquisitions.

5.3 Refusing to provide or allow data sharing may result in the inability to access our Services.
6. Cookies
We use cookies to:

Recognize returning users,

Track usage behavior,

Customize content and ads.

You can manage cookie preferences in your browser settings.

7. Web Beacons
We use web beacons (tiny electronic images) in emails and webpages to track user interactions and improve our communication and marketing.

8. Data Security
We store your data on secure cloud servers located in India with safeguards like:

Firewalls,

SSL encryption,

Controlled access.

We follow Information Technology Act, 2000, related Rules, and RBI Guidelines to protect your data.

9. Your Rights
9.1 Revocation of Consent:
You may withdraw your consent by writing to support@cipatalsmallfinance.com.

Withdrawal is subject to applicable laws and your credit relationship with us.

9.2 Data Retention:
We retain your data as per legal and regulatory requirements.

If no active credit or service exists, your data will be deleted upon request.

9.3 Data Deletion:
You may request data erasure; we’ll comply, subject to legal and contractual obligations.

10. Updating Your Data
You can update or correct your data through your account on the Platform. It’s your responsibility to keep your information current.

11. Data Storage and Transfer
All data is stored in India. We do not transfer your personal data to other countries.

12. Third-Party Websites
Our Platform may link to external sites. We are not responsible for their privacy practices. Please read their policies before sharing data.

13. Policy Updates
We may update this Policy. Material changes will be notified on the Platform. We recommend checking this page periodically for updates.

14. Grievance Redressal
If you have any concerns or complaints, contact:

Grievance Redressal Officer:
Ms. Adv. Vishal Malhotra
📧 info@capitalsmallfinance.com
📞 +91-7596839041

15. Escalation to NBFC Partner
If unresolved within 10 days or if dissatisfied, you may contact the NBFC Partner.