This Privacy Notice for Cheema Capital ("we," "us," or "our"), describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:
- Visit our website at http://www.cheemacapital.in, or any website of ours that links to this Privacy Notice.
- Use our financial services, including:
- Loans
- Personal Loans – Quick approval with flexible repayment options.
- Home Loans – Affordable mortgage solutions with competitive interest rates.
- Business Loans – Funding for startups, SMEs, and large enterprises.
- Car Loans – Easy financing for purchasing new or used vehicles.
- Education Loans – Low-interest options to finance education.
- Gold Loans – Instant cash against gold assets.
- Loan Against Property (LAP) – Secure loans using property as collateral.
- Insurance Services
- Life Insurance – Secure your family's future with tailored coverage plans.
- Health Insurance – Comprehensive medical coverage for individuals and families.
- Vehicle Insurance – Protect your car or two-wheeler with reliable policies.
- Home Insurance – Safeguard your home against unforeseen risks.
- Business Insurance – Coverage for business assets, liability, and operations.
- Credit Card Services
- Credit Cards – Wide range of cards with rewards, cashback, and low-interest options.
- Balance Transfer – Lower interest rates by transferring balances from other credit cards.
- EMI Conversion – Convert purchases into easy monthly installments.
- Engage with us in other related ways, including sales, marketing, or events.
Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you have any questions or concerns, please contact us at support@cheemacapital.in.
Summary of Key Points
- What personal information do we process? We collect personal information based on how you interact with us and our Services.
- Do we process sensitive personal information? We may process financial data or government identifiers with your consent or as permitted by law.
- Do we collect any information from third parties? No, we do not collect third-party information.
- How do we process your information? We use it to provide and improve our Services, ensure security, and comply with legal obligations.
- When and with whom do we share personal information? In specific situations, we may share your data with business partners or during business transfers.
- How do we keep your information safe? We have security measures, but no system is completely secure from cyber threats.
- What are your rights? Depending on your location, you may have rights regarding your personal information.
- How do you exercise your rights? You can contact us or submit a data subject access request.
For more details, review the full Privacy Notice below.
1. What Information Do We Collect?
We collect personal information that you voluntarily provide to us when you:
- Register for our Services.
- Express interest in our products or Services.
- Contact us directly.
Personal Information Provided by You:
- Names
- Phone numbers
- Email addresses
- Usernames
- Passwords
- Contact preferences
- Billing addresses
- Mailing addresses
- Employment information
- Income details
Sensitive Information:
- Financial data (such as bank account information, credit history)
- Government-issued identifiers (such as Aadhaar, PAN card)
- Property documents (for secured loans)
Automatically Collected Data:
- IP addresses
- Browser type and version
- Device information
- Usage patterns and preferences
You must ensure all personal information provided is accurate and up to date. Providing false information may result in rejection of applications or termination of services.
2. How Do We Process Your Information?
We process your information to:
- Create and manage accounts.
- Process loan applications, insurance policies, and credit card requests.
- Communicate with you about our services, updates, and promotional offers.
- Verify your identity and eligibility for financial products.
- Conduct credit checks and risk assessments.
- Prevent fraud and ensure security of transactions.
- Improve our Services and analyze usage trends.
- Comply with legal and regulatory requirements.
- Respond to your inquiries and provide customer support.
- Process payments and manage billing.
We process your data in accordance with applicable laws and regulations. We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason compatible with the original purpose.
3. When and With Whom Do We Share Your Personal Information?
We may share your information with:
- Business partners: We may share your information with our business partners who offer financial services such as banks, insurance companies, and credit card issuers to facilitate your applications and requests.
- Legal authorities: When required by law, court order, or governmental regulation, we may disclose your information to relevant authorities.
- Service providers: We work with third-party service providers who perform functions on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service. These providers have access to your personal information only to perform these tasks on our behalf.
- Business transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
- With your consent: We may share your information with other third parties when you have given us your consent to do so.
We do not sell your personal information to third parties. Any third parties with whom we share your data are contractually obligated to implement appropriate security measures to protect your information and are not permitted to use it for purposes other than those specified by us.
4. Do We Use Cookies and Other Tracking Technologies?
Yes, we use cookies and similar technologies to enhance website functionality and user experience. These technologies help us:
- Remember your preferences and settings
- Understand how you interact with our website
- Analyze website traffic and performance
- Personalize content and advertisements
- Improve our services based on usage data
You can manage cookie preferences in your browser settings. Most web browsers allow you to control cookies through their settings preferences. However, restricting cookies may impact your experience and limit certain features of our website.
5. Do We Offer Artificial Intelligence-Based Products?
We use artificial intelligence tools for features like:
- AI-powered customer support
- Automated loan eligibility checks
- Personalized financial recommendations
- Fraud detection and prevention
- Risk assessment for loan applications
When you interact with our AI-powered features, we may collect and process additional data about your interactions to improve these services. All AI processing complies with our overall privacy practices and applicable regulations.
6. How Long Do We Keep Your Information?
We retain your personal information only as long as necessary for the purposes outlined in this Privacy Policy, including:
- As long as you maintain an account or relationship with us
- As needed to provide you with our services
- As necessary to comply with legal obligations (such as tax, banking, and financial regulations)
- As required to protect our legal interests
- As needed for audit purposes
Different types of information may be kept for different periods. For example, financial transaction records may be kept longer than marketing preferences. When your data is no longer required, we will securely delete or anonymize it.
7. How Do We Keep Your Information Safe?
We implement appropriate technical and organizational security measures to protect your personal information, including:
- Encryption of sensitive data
- Secure network infrastructure with firewalls
- Regular security assessments and audits
- Access controls and authentication procedures
- Staff training on data protection and security
While we take reasonable steps to protect your information, no system is completely secure from cyber threats. We cannot guarantee the absolute security of your data transmitted over the internet. Any transmission is at your own risk. Once we receive your information, we use strict procedures and security features to try to prevent unauthorized access.
8. Do We Collect Information from Minors?
Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at support@cheemacapital.in. If we discover that we have collected personal information from a minor without verification of parental consent, we will take steps to remove that information from our servers.
9. What Are Your Privacy Rights?
Depending on your location, you may have the following rights regarding your personal information:
- Right to Access: You can request copies of your personal information that we hold.
- Right to Rectification: You can ask us to correct inaccurate information or complete incomplete information.
- Right to Erasure: You can ask us to delete your personal information in certain circumstances.
- Right to Restrict Processing: You can ask us to restrict the processing of your information in certain circumstances.
- Right to Data Portability: You can ask us to transfer your information to another organization or directly to you.
- Right to Object: You can object to our processing of your personal information in certain circumstances.
Opting Out of Marketing: You can unsubscribe from our marketing communications at any time by clicking the "unsubscribe" link in any email we send, or by contacting us directly.
To exercise any of these rights, please contact us at support@cheemacapital.in. We may need to verify your identity before responding to your request.
10. Controls for Do-Not-Track Features
Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature or setting that signals your preference not to have data about your online browsing activities tracked and collected. Currently, there is no uniform technology standard for recognizing and implementing DNT signals. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.
11. Do We Make Updates to This Notice?
Yes, we update this Privacy Notice periodically to ensure it remains accurate and compliant with relevant laws and regulations. Updates may occur when:
- We change our business practices
- New regulations are introduced
- We offer new services or features
- We identify better ways to protect user privacy
The latest version will always be posted on our website with the effective date clearly indicated. We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information. Significant changes may be notified to you via email or through a notice on our website.
13. How Can You Review, Update, or Delete the Data We Collect from You?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please submit a request by contacting us at support@cheemacapital.in.
When you submit a request, we may take steps to verify your identity before proceeding with your request. This may include:
- Asking you to provide specific information related to your account
- Requiring you to sign in to your account (if applicable)
- Sending a verification email to your registered email address
We will respond to your request within the timeframe required by applicable law. Please note that we may not be able to comply with your request in certain circumstances, such as when it would impact the privacy of others, threaten trade secrets, or where compliance is not legally required. In such cases, we will explain the reasons for our decision.
