Information We Collect
When you submit an enquiry, we may collect your name, mobile number, email address where provided, the loan or credit-card service requested, requested amount, employment or business type, city, state, PIN code where provided, customer type, preferred language, consent choices, source or referral information, and the date and time of submission.
We may also collect limited technical information, including the request IP address, browser or device information and basic website activity needed to operate and protect the service. Please do not submit OTPs, PINs, passwords, CVVs, bank login credentials or unnecessary identity documents through an enquiry form.
How We Use Information
We use information to receive and respond to your enquiry, understand the service you requested, contact you, provide general application assistance, connect you with an appropriate provider or partner where needed, maintain support and enquiry records, improve our services, troubleshoot problems, prevent fraud and misuse, and meet applicable legal or regulatory obligations.
Hayanav Financial Services acts as a loan and credit-card intermediary and assistance provider. Hayanav is not a bank, NBFC, lender, insurer or card issuer; it does not independently approve, sanction or disburse loans or issue credit cards. Eligibility, terms, availability, assessment and approval are decided by the relevant lender or card issuer.
Insurance-related services are not currently available through Hayanav Financial Services. They may be introduced separately in the future, subject to applicable regulatory authorisation and permitted arrangements.
Consent and Communications
When you consent to an enquiry, Hayanav may contact you by telephone, SMS, email or WhatsApp about that specific request. Promotional or future marketing communications are based on a separate optional consent where applicable. You may withdraw marketing consent or ask us to stop promotional messages at any time by using the contact details below. Withdrawing consent does not affect processing already carried out lawfully or communications reasonably required to complete an active request.
Sharing of Information
We may share only the information reasonably necessary to process your requested service with relevant banks, NBFCs, card issuers, DSAs or channel partners, authorised service providers, hosting or technology providers, professional advisers, or other regulated or appropriate partners. Such sharing is subject to the nature of your request, eligibility, provider availability and the provider's assessment.
We do not sell personal information. We may disclose information where required by law, a lawful order, or to protect users, Hayanav, its partners or the public from fraud, misuse or security threats.
Technical Data and IP Addresses
For security, fraud prevention, abuse prevention, rate limiting, troubleshooting and audit purposes, an enquiry submission may record technical data such as its IP address, date and time, source page, browser or device details and related request information. This information is used only where reasonably necessary to operate, secure and review the service.
Cookies and Website Technologies
Essential browser functions, cookies or similar technologies may be used for navigation, accessibility, security and basic website operation. If analytics, advertising cookies or other non-essential technologies are introduced, this policy and any applicable consent controls will be updated. Third-party services linked from the website may use their own cookies and technologies under their own policies.
Data Security
We use reasonable administrative, organisational and technical measures designed to protect information against unauthorised access, loss, misuse or alteration. No website, transmission or storage method can be guaranteed to be completely secure. Use only verified Hayanav contact channels and never share passwords, OTPs, PINs or CVVs.
Data Retention
We retain information only for as long as reasonably necessary for the enquiry, requested service, customer support, security, fraud prevention, audit, dispute handling and applicable legal or regulatory requirements. When information is no longer required, we may delete or anonymise it where appropriate and reasonably practicable. Some records may need to be retained where law, legitimate business needs or an unresolved request requires it.
Third-Party Websites and Services
Our website may link to banks, NBFCs, card issuers, government portals or other third-party services. Hayanav does not control their websites, security practices, eligibility decisions or privacy policies. Review the relevant third party's terms and privacy information before submitting personal information to it.
User Privacy Rights
Subject to applicable law and reasonable identity verification, you may ask whether we hold your personal information, request access or correction, request deletion where applicable, withdraw consent, or opt out of promotional communications. These rights may be limited where retention or processing is required by law, for security, fraud prevention, an active request, a dispute, or another lawful purpose. We will review each request and respond as reasonably required; deletion cannot be guaranteed in every circumstance.
Children's Privacy
Hayanav's enquiry services are intended for adults who can lawfully request the relevant loan or credit-card service. We do not knowingly seek personal information from children through these enquiry forms. If a parent or guardian believes that a child has submitted information, they may contact us so that we can review and take appropriate action.
Cyber Safety Services
Hayanav provides cyber-safety awareness and general procedural guidance only. Hayanav is not a law-enforcement agency and does not investigate offences, recover funds or replace official reporting channels. If you suspect cyber financial fraud, promptly call 1930 and report it through the official National Cyber Crime Reporting Portal. Cyber-safety enquiries are not used for loan marketing unless you separately and explicitly choose promotional-message consent.
Changes to This Privacy Policy
We may update this Privacy Policy when our services, technology or applicable requirements change. The revised date will be shown near the top of this page. Material changes may also be communicated through the website or another appropriate channel.
Contact and Grievance Information
For privacy questions, access, correction, deletion or consent-withdrawal requests, or a grievance, email Hayanavfinancialservices@gmail.com or call +91 88842 42487 / during business hours, Monday–Saturday, 9:30 AM–6:30 PM. Please provide enough information to identify your enquiry and verify your request, but do not send passwords, OTPs, PINs or CVVs.