Privacy Policy

1. Introduction & Regulatory Scope

Trueways Financials ("Trueways," "we," "our," or "us") operates the website https://truewaysfinancials.com and associated advisory desks. This Privacy Policy governs the collection, processing, storage, and transfer of personal and financial information in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000, and regulatory guidelines prescribed by the Reserve Bank of India (RBI) and Insurance Regulatory and Development Authority of India (IRDAI).

2. Information We Collect

To provide tailored loan matching, policy audits, and investment planning, we may collect the following categories of personal data with your explicit consent:

• Identity & Contact Information: Full legal name, email address, mobile phone number, residential address, date of birth, and identity proofs (Aadhaar, PAN Card, Passport) where mandatory for KYC.
• Financial & Credit Data: Monthly in-hand income, employer details, existing loan repayment amortization schedules, banking statements, and credit score records (retrieved solely via authorized credit bureaus with your OTP authorization).
• Medical & Underwriting Data: Self-disclosed medical history, pre-existing conditions, family medical background, and lifestyle habits (tobacco/alcohol usage) required strictly for life and health insurance underwriting.
• Technical & Browsing Data: IP address, browser type, device identifiers, and anonymized interaction analytics via secure cookies to ensure smooth site navigation and security.

3. Purpose and Legal Grounds for Processing

We process your personal information strictly on lawful grounds for the following purposes:

• To compute credit eligibility, loan-to-value (LTV) ratios, and fixed-obligation-to-income (FOIR) ratios across our network of 30+ regulated lending partners.
• To audit active health and term insurance policies for sub-limits, co-payments, and pre-existing disease (PED) terms.
• To coordinate doorstep documentation, legal and technical property valuations, and hospital cashless claim pre-authorizations.
• To respond directly to inquiries initiated by you via our website forms, calculators, or verified WhatsApp business channel.
• To comply with statutory Anti-Money Laundering (AML) and Know-Your-Customer (KYC) mandates.

4. Strict Non-Disclosure & Sharing Safeguards

Trueways Financials maintains a zero-tolerance policy against commercial data exploitation:

• No Third-Party Telemarketing: We do not share contact details with digital marketers, lead generators, or external sales teams. You will only ever be contacted by a dedicated Trueways advisor.
• Institutional Lenders & Underwriters: We share your loan applications or insurance proposals solely with the specific banks, NBFCs, or IRDAI-registered insurance companies that you have expressly chosen to apply with.
• Service Providers: Trusted cloud storage providers and encrypted CRM systems operating under strict non-disclosure and data protection agreements.
• Legal Mandates: Where compelled by law, court order, or regulatory bodies (RBI, SEBI, IRDAI).

5. Data Security, Storage & Encryption

We implement enterprise-grade technical and organizational safeguards to ensure data integrity:

• All web communications and form submissions across truewaysfinancials.com are secured via 256-bit SSL (Transport Layer Security) encryption.
• Sensitive documentation (such as salary slips, ITRs, and health summaries) is stored in encrypted, access-controlled repositories accessible only by authorized compliance personnel.
• Credit bureau inquiries (CIBIL/Experian) are initiated strictly through OTP validation and are never stored on public-facing servers.

6. Data Retention & Erasure

We retain personal and financial records only for as long as necessary to fulfill the advisory engagement, facilitate claim advocacy, or comply with statutory financial record-keeping requirements (typically 5 to 7 years for financial transactions under Indian tax and banking laws). If you choose not to proceed with a loan or policy issuance, you may request permanent erasure of your stored documentation by writing to our Data Grievance Desk.

7. Your Rights Under the DPDP Act, 2023

As a data principal under Indian privacy law, you possess enforceable rights regarding your information:

• Right to Access: You can request a summary of your personal data held by us and the processing activities undertaken.
• Right to Correction: You may request rectification of outdated, incomplete, or inaccurate personal information.
• Right to Erasure & Withdrawal of Consent: You have the right to withdraw consent for advisory communication and request deletion of non-statutory records.
• Right to Grievance Redressal: You have the right to lodge a complaint regarding any data processing concern directly with our designated Data Protection Officer.

8. Cookies & Tracking Technologies

Our website uses standard essential and analytical cookies to ensure layout responsiveness and measure anonymous visitor traffic. We do not use intrusive cross-site tracking cookies or advertising pixels that broadcast your financial inquiries across third-party ad networks.

9. Grievance Redressal & Contact Desk

If you have any questions, concerns, or grievances regarding this Privacy Policy or wish to exercise your data rights, please contact our compliance desk: