Privacy Policy

Privacy Policy – SunJosh Financial Services

Effective Date: August 12, 2025

At SunJosh Financial Services, your trust is our most valuable asset. We follow strict policies and RBI guidelines to safeguard your personal, financial, and business information. This Privacy Policy explains how we collect, use, and protect your information while ensuring ethical, transparent, and compliant service.

1. Information We Collect

We collect information strictly necessary to process your loan:

  • Personal Details – Name, address, contact number, date of birth.

  • Financial Information – Income proof, CIBIL score, bank statements, and credit history.

  • Business Information – Business registration details, turnover, and related documents.

  • Loan Application Data – Purpose of loan, supporting documents, and eligibility records.

2. How We Use Your Information

We use your data only for:

  • Loan eligibility assessment as per bank/NBFC criteria (age, income, credit score).

  • Document verification and processing with eligible lenders only.

  • Providing genuine financial guidance if you do not qualify for certain loans.

  • Communicating loan terms, interest rates, and other relevant information transparently.

3. Transparency and Ethics

  • No hidden charges or false promises.

  • Full disclosure of all interest rates, fees, and repayment terms before you proceed.

  • All commissions and fees follow approved DSA Codes and bank/NBFC corporate codes.

4. Data Protection & Security

  • All customer data is kept strictly confidential.

  • We follow RBI guidelines and applicable data protection laws.

  • Information is shared only with approved partner banks/NBFCs for loan processing.

5. Loan Application Processing

  • Applications are submitted only to eligible and approved banks/NBFCs.

  • We ensure complete verification of your documents before submission.

  • Loan approval is solely at the discretion of the bank/NBFC—we provide genuine guidance, not false guarantees.

6. Your Rights

You can:

  • Request access to your personal data.

  • Ask for corrections to inaccurate details.

  • Withdraw consent for marketing communications.

  • Request deletion of your data (subject to legal obligations).

7. Service Charges & Refund Policy

  • Service fees, if applicable, are non-refundable once loan processing begins.

  • Commission/fees for partners, freelancers, and referrals strictly follow our commission policy:
    • DSA/Bank Staff: ₹250–₹500 per ₹1 lakh loan.

    • Freelancers/Referrals: 0.5%–2% plus ₹250–₹500 per ₹1 lakh loan.

8. Internal Conduct & Compliance

  • Our staff is trained in loan products, bank policies, and compliance standards.

  • Professional conduct is maintained with both customers and partners at all times.

  • Any violation of compliance is strictly prohibited.

9. Contact Us

For any privacy-related concerns:

SunJosh Financial Services
 📍 3/5, 2nd floor, Indra Gandhi Street, Palayapalayam, Erode -638011
 📞 +91 90253 12121, +91 87785 70538
 📧 info@sunjoshfinserv.com