Privacy Policy

Bharat Finserv (“Company”, “We”, “Us”, “Our”) is committed to protecting your personal information with the highest standards of security and transparency. This Privacy Policy explains how we collect, use, store, protect, and share your information when you access our website, mobile application, or use any of our financial or advisory services.

By accessing or using our platform, you (“User”, “You”, “Your”) agree to the terms outlined in this Privacy Policy.

Bharat Finserv operates through its official website https://bharatfinserv.net and other approved digital channels.

This Privacy Policy must be read along with our Terms & Conditions. It applies to all users and covers all products and services made available by Bharat Finserv or its partners.

Third-party websites linked from our platform operate under their own privacy policies. We are not responsible for their data-handling practices.

We collect two types of information:

This includes information that identifies you:

Full name, date of birth, gender

Email ID, phone number, address, pincode

KYC details: PAN, Aadhaar, Voter ID, Passport, Driver’s License

Bank account details, cancelled cheque/passbook copy

Income details, employment information

Investment and insurance-related details

Financial profile required for loan/insurance/mutual fund processing

Photographs, signatures, consent

Device information, location (GPS), browser data

Communication data (emails, OTP validation, support requests)

Cookies

IP address

Browser type, operating system, device model

App usage patterns

Session logs, clickstream data

Anonymous analytics for improving platform performance

We never read, access, or store any personal emails.

If you choose portfolio-tracking services, only CAS statements with specific subjects are accessed automatically for extracting mutual fund details.

Your data is collected strictly in compliance with the IT Act, 2000 and IT Rules, 2011. We use the data for:

Loan processing

Insurance advisory & policy issuance

Mutual fund investments

PAN/KYC verification

Financial planning and advisory

Customer support

Personalized recommendations

App/website improvement

Analytics and research

We may share your information with:

SEBI-registered agencies

Banks, NBFCs, insurers, AMCs, RTAs

KYC Registration Agencies (KRA)

Government authorities when legally obligated

RBI, IRDAI, SEBI, PMLA-authorized bodies

We never sell your personal data to advertisers or third parties.

Your information may be shared strictly on a need-to-know basis with:

Partner banks and NBFCs

Insurance companies & brokers

Mutual fund AMCs & registrars

KYC agencies (CKYC/KRA)

Technology and cloud partners

Payment gateway providers

Regulatory or law-enforcement authorities

All partners follow strict confidentiality agreements.

Your data is stored on secure servers located within India, protected by:

End-to-end encryption

Multi-layer firewalls

Regular security audits

Restricted access control

Data backup & disaster-recovery systems

We strongly advise you not to share your OTP, login credentials, or passwords with anyone.

We use cookies to:

Improve site performance

Auto-fill details

Provide personalised content

Track usage analytics

You may disable cookies in your browser settings, but doing so may affect certain features.

You have the right to:

We will process such requests within 45 days, subject to regulatory data-retention rules.

As per PMLA, SEBI, IRDAI, and RBI regulations:

Your transaction records must be stored for 5 years after account closure.

If any investigation or regulatory matter is pending, we may retain data longer.

Once the legally required period is over, your data is permanently purged.

Our platform may contain links to external websites.

We do not control these sites and are not responsible for:

Their privacy practices

Data handling

Content or services

Users are advised to review the privacy policies of those websites before using them.

You may request deletion of your personal data by writing to:

After verification, we will initiate the deletion process unless restricted by law.

We follow stringent cybersecurity protocols to protect your data from:

Unauthorized access

Loss or theft

Alteration

Fraud

Misuse

Your account credentials, OTPs, and documents must remain confidential.

We may modify or update this Privacy Policy at any time.

Any changes will be posted on this page and communicated to users via email/SMS when necessary.

We recommend reviewing this policy periodically.

For queries, concerns, or complaints regarding data privacy, please reach out to our Compliance Team:

Bharat Finserv – Compliance Office

📍 J 8/101-B-1/4 Sainath Apartments Jaitpura Kachi Bagh Varanasi 221001