A&M Company ("we", "us", "our") respects your privacy. This Privacy Policy explains how we collect, use, share and protect your personal data when you visit amcompany.co.in, contact us, or apply for a loan, credit card or insurance product through us. It is published in accordance with the Information Technology Act, 2000, the rules made under it, and the Digital Personal Data Protection Act, 2023.
1. Information We Collect
We collect only the information needed to understand your requirement and process your application:
- Contact details: name, mobile number, email address and city.
- Loan requirement: product type, loan amount, employment type and income details.
- KYC and financial documents (only when you proceed with an application): PAN, Aadhaar (masked where possible), address proof, photographs, salary slips, bank statements, ITR, business and property documents as required by the lender.
- Credit information: your credit score and report, which lenders obtain from credit bureaus with your consent.
- Technical data: basic server logs such as IP address, browser type and pages visited, used only for security and to keep the website running.
2. How We Use Your Information
- To contact you about your enquiry by call, SMS, WhatsApp or email.
- To check your eligibility and suggest suitable products from our partner lenders.
- To submit your application and documents to the lender(s) you select and follow up until disbursal.
- To provide customer support and handle complaints.
- To prevent fraud and comply with legal and regulatory requirements, including KYC and anti-money-laundering rules.
We will not use your personal data for any purpose that is unrelated to these without asking for your consent.
3. Sharing of Information
We share your information only where it is needed:
- Banks and NBFCs to whom you apply, so they can assess and process your application.
- Credit bureaus (through the lender) to obtain your credit report, with your consent.
- Service providers who help us operate, such as hosting, communication and document-pickup partners, under confidentiality obligations.
- Government or regulatory authorities when required by law, court order or regulation.
We do not sell or rent your personal data to anyone.
4. Your Consent
By sharing your details with us, you consent to us collecting and using your data as described in this policy, and to being contacted by us and our partner lenders regarding your enquiry, even if your number is registered under DND / NCPR.
You can withdraw your consent at any time by informing us. Withdrawal will not affect processing already done, and an application already submitted to a lender will be governed by that lender's privacy policy.
5. Data Retention
We keep your personal data only for as long as needed to serve the purpose for which it was collected, or as required by law. Enquiries that do not result in an application are deleted or anonymised after a reasonable period. Documents relating to applications are retained as required by applicable laws and lender agreements.
6. Data Security
We use reasonable security practices to protect your data, including encrypted HTTPS connections, restricted access to authorised staff only, and secure servers. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
7. Your Rights
Subject to applicable law, you have the right to:
- Get a summary of the personal data we hold about you and how it is used.
- Ask us to correct, complete or update inaccurate data.
- Ask us to erase your data where it is no longer required, subject to legal retention requirements.
- Withdraw your consent.
- Nominate another person to exercise your rights in case of death or incapacity.
- Raise a grievance with us, and if unresolved, approach the Data Protection Board of India.
To exercise any of these rights, contact our Grievance Officer using the details below.
8. Cookies
Our website does not use advertising or tracking cookies. Your browser may store basic technical data needed for the website to work properly. If we introduce analytics or other cookies in future, we will update this policy.
9. Third-Party Services & Links
Our partner lenders have their own websites and apps. These services have their own privacy policies, and we are not responsible for their practices. Please read their policies before sharing information with them.
10. Children's Privacy
Our services are meant only for individuals aged 18 years or above. We do not knowingly collect personal data from children.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last updated" date. Please review it periodically.
12. Contact Us / Grievance Officer
For any questions, requests or complaints about your personal data, please contact:
Grievance Officer, A&M Company
Website: amcompany.co.in
We aim to acknowledge complaints within 48 hours and resolve them within 30 days.