Privacy Policy – Sunrays Finance
Effective Date: 05-May-2023
Sunrays Finance (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website https://sunraysfinance.com, apply for loans, or otherwise interact with our services.
1. Information We Collect
We may collect the following categories of information:
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Personal Identification Data: Name, address, date of birth, gender, contact number, email ID.
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Financial Information: Bank account details, income details, credit history, loan repayment records.
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Identity Proofs: PAN card, Aadhaar card, voter ID, passport, or any other KYC documents as required by law.
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Device & Technical Data: IP address, browser type, operating system, location data, cookies, and usage information from our website.
2. How We Use Your Information
We process your data for the following purposes:
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To verify your identity and assess eligibility for loans.
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To process loan applications, disbursements, and repayments.
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To comply with legal and regulatory obligations (including KYC/AML requirements).
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To communicate important updates, reminders, or promotional offers.
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To improve our website, services, and customer experience.
3. Sharing & Disclosure of Data
We may share your data with:
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Regulatory Authorities (e.g., RBI, credit bureaus, tax authorities) as required by law.
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Third-Party Service Providers assisting with loan processing, collections, IT support, or analytics.
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Partner Banks/NBFCs for co-lending or securitization arrangements.
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Legal/Enforcement Agencies in case of fraud, dispute, or legal proceedings.
We do not sell your personal information to third parties.
4. Data Retention
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We retain your personal information for as long as necessary to fulfill the purposes for which it was collected or as required under applicable laws.
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Once no longer required, your data will be securely deleted or anonymized.
5. Security Measures
We use appropriate organizational, technical, and physical safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no system is completely secure, and we cannot guarantee absolute protection.
6. Your Rights
Subject to applicable laws, you may:
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Access and review the personal data we hold about you.
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Request corrections if your information is inaccurate.
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Withdraw consent for non-essential data processing (e.g., marketing).
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Request deletion of your personal data, unless retention is required by law.
7. Cookies & Tracking Technologies
Our website may use cookies and similar technologies to enhance user experience, analyze site traffic, and deliver personalized content. You may disable cookies in your browser settings, though some site features may not function properly.
8. Third-Party Links
Our website may contain links to third-party websites or apps. We are not responsible for the privacy practices or content of those platforms. Please review their policies separately.
9. Children’s Privacy
Our services are not intended for minors under 18 years. We do not knowingly collect personal data from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with the updated “Effective Date.”
11. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us at:
Sunrays Finance
Email: sales@sunraysfinance.com
Phone: +91 7200005309
Address: No. 4/FF (149/FF), 1st Floor, “ALSA MALL”, Montieth Road, Egmore, Chennai – 600 008