ClaimFriendy Private Limited · CIN: U74999DL2021PTC389488 · Last updated: February 2026 · Effective Date: 1 February 2026
1. Who We Are
ClaimFriendy Private Limited (“ClaimFriendy”, “we”, “us”, or “our”) is a company incorporated in India (CIN: U74999DL2021PTC389488), with its registered office at Unit No 1106, Pearls Omaxe Tower, NSP, New Delhi – 110034. We operate as a Loan Service Provider (LSP) facilitating loan applications on behalf of RBI-registered Non-Banking Financial Companies (NBFCs).
This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you visit our website (claimfriendy.com) or use our services.
2. Data We Collect
We collect information that you provide directly to us and data generated through your use of our services:
- Identity Data: Full name, date of birth, PAN, Aadhaar (last 4 digits), photograph
- Contact Data: Email address, mobile number, residential or office address
- Financial Data: Bank account details, income information, existing loan obligations
- Health & Medical Data: Hospital admission records, insurance policy details, claim documentation (only where required for loan facilitation under our Friendy Bridge, Express, or Assist products)
- Technical Data: IP address, browser type, device identifiers, pages visited, time and date of access
- Communications Data: Any correspondence you send to us via email or through our website
Note on Sensitive Data: Medical and health-related information is collected solely for the purpose of loan facilitation under the applicable ClaimFriendy product. This data is never sold or used for marketing purposes.
3. How We Use Your Data
- To process and facilitate your loan application with our NBFC lending partners
- To verify your identity and conduct KYC checks as required by applicable law
- To communicate with you about your application, loan status, and repayments
- To comply with legal and regulatory obligations under RBI guidelines, DPDP Act 2023, and other applicable Indian law
- To improve the functionality and performance of our website and services
- To prevent fraud, money laundering, and other unlawful activities
- To respond to your enquiries and grievances
We will not use your data for automated credit decision-making without human review, and we will not use your data for profiling or targeted advertising.
4. Data Sharing
We share your personal data only in the following circumstances:
- Lending Partners: We share relevant data with our RBI-registered NBFC lending partners (Findoc Finvest Pvt Ltd. and Eravat Finvest Private Limited) strictly for the purpose of loan processing and disbursement
- Credit Bureaus: Our lending partners may share loan data with credit information companies (CIBIL, Experian, CRIF, Equifax) as required under the Credit Information Companies Act, 2005
- Regulatory Authorities: We may disclose data to the RBI, UIDAI, Income Tax authorities, or other statutory bodies when required by law
- Service Providers: We may share data with third-party technology and cloud service providers acting as data processors on our behalf, under strict confidentiality agreements
- Legal Proceedings: We may disclose data when required by a court order or other legally binding demand
We do not sell your personal data to any third party under any circumstances.
5. Data Storage & Security
Your data is stored on secure servers located within India. We implement technical and organisational measures including encryption, access controls, and regular security audits to protect your data from unauthorised access, alteration, disclosure, or destruction.
Data retention periods:
- KYC and loan-related documents: As required by RBI (typically 5–8 years from loan closure)
- Website interaction data: Up to 12 months
- Enquiry and communication data: 3 years
After the applicable retention period, data is securely deleted or anonymised.
6. Your Rights
Under the Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable RBI guidelines, you have the following rights:
- Right to Access: Request a summary of the personal data we hold about you
- Right to Correction: Request correction of inaccurate or incomplete data
- Right to Erasure: Request deletion of your data where it is no longer necessary for the purpose it was collected (subject to regulatory retention obligations)
- Right to Grievance Redressal: Lodge a complaint with our Grievance Officer (see Section 10)
- Right to Nominate: Nominate an individual to exercise rights on your behalf in the event of your death or incapacity
To exercise any of these rights, please write to us at privacy@claimfriendy.com. We will respond within 30 days.
7. Cookies
Our website uses minimal cookies, strictly necessary session cookies required for the website to function. We do not use tracking, advertising, or analytics cookies. No cookie consent banner is required for strictly necessary cookies under applicable law; however, you may disable cookies in your browser settings, which may affect website functionality.
8. Children’s Privacy
Our services are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe we have inadvertently collected data from a person under 18, please contact us immediately at privacy@claimfriendy.com and we will delete it promptly.
9. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in law, regulation, or our business practices. The “Last updated” date at the top of this page will be revised accordingly. Continued use of our website or services after changes are posted constitutes acceptance of the revised policy. For material changes, we will notify users via email or a prominent notice on our website.
10. Contact Us
For any privacy-related queries, concerns, or to exercise your data rights, please contact our Grievance Officer:
- Grievance Officer, ClaimFriendy Private Limited
- Email: privacy@claimfriendy.com
- Phone: +91 11 4990 1356
- Address: Unit No 1106, Pearls Omaxe Tower, NSP, New Delhi – 110034
- Hours: Monday – Friday, 10:00 AM – 6:00 PM IST
If you are not satisfied with our response, you may escalate your complaint to the Data Protection Board of India (once operational) or to the RBI Integrated Ombudsman at cms.rbi.org.in.