At Primebridge Financial Services Pvt. Ltd (referred to as “we,” “our,” or “us”), we prioritize the trust, security, and privacy of our users. This Privacy Policy outlines how we collect, use, process, store, and protect your personal and financial information when you visit our website, use our automated tools (like the EMI Calculator), or access our credit information portal.
By accessing our website or using our services, you explicitly consent to the data practices described in this policy.
1. Information We Collect
To provide you with secure financial advisory services, loan comparisons, and credit score evaluations, we collect the following categories of information:
- Personal Identification Information: Full name, date of birth, and email address.
- Highly Sensitive Financial Identifiers: Permanent Account Number (PAN), mobile number, and employment/income details.
- Technical Data: IP address, browser type, operational device identifiers, and cookies used to improve user navigation experience.
2. How We Source and Use Credit Bureau Data (CIBIL)
When you log into our secure dashboard using a Mobile One-Time Password (OTP) and request a credit score check:
- We act strictly as an authorized gateway using secure API endpoints connected to licensed credit bureaus in India (such as CIBIL, Experian, or CRIF High Mark).
- Explicit Consent: We will never initiate a soft or hard credit pull without your active, explicit confirmation and OTP authentication.
- Data Minimization: To maximize security, we prioritize on-demand API fetches. Your actual credit score history numbers are decrypted temporarily to be displayed on your private user dashboard profile and are not sold or traded with third-party advertising companies.
3. Sharing and Disclosing Data
We do not sell, rent, or lease your personal financial records. We only share information with third parties under the following strict legal mandates:
- With licensed banking institutions and non-banking financial companies (NBFCs) explicitly chosen by you to process a loan application.
- With authorized regulatory authorities or under statutory legal compulsion mandated by the Reserve Bank of India (RBI) or Indian law enforcement agencies.
4. Data Security Protocols
We implement enterprise-grade structural security measures to defend your financial records:
- All data transmitted through our online contact forms and dashboard interfaces is encrypted using 256-bit Secure Socket Layer (SSL/TLS) protocols.
- Administrative backend access to your encrypted profile metrics is limited only to authorized personnel bound by absolute confidentiality clauses.
5. Your Data Rights
Under Indian data protection laws, you retain the absolute right to preview your profile information, request corrections to erroneous data parameters on our server, or request the absolute deletion of your website user account profile by contacting us at support@pbfinservices.com.