These Terms of Consent (“Consent Terms”) govern the consent provided by a customer (“Customer”, “you”, or “your”) to FinOrbit Finance Private Limited (“FinOrbit”, “Company”, “we”, “us”, or “our”) in connection with the use of our website, digital platforms, loan enquiry/application journey, financial-product facilitation services, and related services.
By submitting your information, selecting a consent checkbox, clicking an acceptance button, verifying your mobile number through OTP, or otherwise proceeding with the relevant digital journey, you acknowledge and agree to these Consent Terms, to the extent permitted by applicable law.
Your consent may be obtained to enable FinOrbit and, where applicable, authorised lenders or service providers to process your information for purposes connected with the service requested by you.
These purposes may include:
Depending on the service requested and applicable requirements, the information processed may include:
By providing consent, you authorise FinOrbit to process your submitted information for the purpose of facilitating your loan enquiry or application.
Where applicable, FinOrbit may transmit relevant information to selected or appropriate lending partners so that they can independently assess your eligibility and provide information regarding available financial products.
Providing consent does not guarantee loan approval, sanction, or disbursement.
The final decision regarding loan approval, loan amount, interest rate, tenure, charges, documentation, and disbursement rests with the relevant lender or financial institution.
Where required, you consent to the processing and verification of information and documents submitted for identity, address, employment, income, or other applicable verification purposes.
Where authorised and legally permitted, verification may be performed through third-party service providers, authorised verification agencies, lenders, or financial institutions.
You confirm that information and documents submitted by you are genuine, accurate, and belong to you or are provided with appropriate authority.
Where applicable and subject to legal requirements, you may be asked to provide consent for credit-related assessment or verification.
Such assessment may involve authorised lenders, credit information companies, or other authorised entities.
The relevant lender or authorised entity may independently use the information available to it to determine eligibility and creditworthiness in accordance with applicable law and its own policies.
You consent to FinOrbit sharing relevant information with authorised parties where reasonably necessary for the service requested by you.
Such parties may include:
Information will be shared subject to applicable laws, contractual requirements, security measures, and the relevant purpose for which the information is processed.
By providing your contact information and proceeding with the relevant service, you consent to FinOrbit and, where applicable, authorised service providers contacting you regarding your enquiry, application, or requested service.
Communications may be made through:
Such communications may include:
Where promotional communications require separate consent under applicable law, such consent will be obtained as required.
You agree that your electronic acceptance, OTP verification, checkbox selection, click-through acceptance, or other electronic action may be recorded as evidence of your consent, subject to applicable law.
Electronic records may include:
Such records may be retained for legitimate business, audit, legal, regulatory, security, and dispute-resolution purposes.
Where consent is the applicable legal basis for processing, you may choose whether to provide such consent.
However, certain information may be necessary to provide a particular service. If you do not provide the information or consent required for that service, FinOrbit may not be able to process your enquiry or facilitate the requested financial product.
Where processing can legally occur on another lawful basis, such processing may continue in accordance with applicable law.
Where processing is based on consent, you may request withdrawal of your consent, subject to applicable law.
A request to withdraw consent may be submitted to:
Withdrawal of consent will not affect processing that was lawfully carried out before the withdrawal.
Withdrawal may also affect our ability to continue providing a service where the relevant information or consent is necessary for that service.
Certain information may continue to be retained or processed where required or permitted by applicable law, regulatory requirements, contractual obligations, fraud prevention, dispute resolution, audit, or other lawful purposes.
You are responsible for ensuring that the information provided by you is accurate, complete, and current.
You must not:
FinOrbit may suspend or discontinue an application where information appears inaccurate, fraudulent, misleading, or unauthorised.
Where your information is shared with a lender or financial institution, that entity may process your information according to its own privacy policy, terms, and applicable regulatory obligations.
The lender may independently determine:
You consent, where legally permitted and reasonably necessary, to the processing of relevant information for:
Your personal information will be handled in accordance with FinOrbit's Privacy Policy.
The Privacy Policy explains the categories of information collected, purposes of processing, sharing arrangements, security practices, retention, deletion, and applicable privacy rights.
By providing consent, you acknowledge that you have been provided an opportunity to review the applicable Privacy Policy.
Certain services may require additional or separate consent.
Where a particular lender, financial institution, KYC provider, credit information company, payment service provider, or other authorised entity requires specific consent, you may be presented with an additional consent notice.
Such additional consent may be governed by the terms and privacy policy of the relevant entity.
Consent to processing of your information does not mean that you are eligible for or guaranteed to receive any loan, credit facility, insurance product, or other financial service.
Any financial product offered to you will remain subject to the terms and conditions of the relevant provider.
You should carefully review the applicable offer, sanction letter, loan agreement, fees, interest rate, repayment schedule, and other terms before accepting a financial product.
FinOrbit may maintain appropriate technical and organisational measures to protect consent records and related information against unauthorised access, alteration, disclosure, loss, or misuse.
Access to consent records may be restricted to authorised personnel and service providers who require such access for legitimate purposes.
FinOrbit may update these Consent Terms from time to time to reflect:
The latest version will be made available through the Company's website or relevant digital platform.
Where a new or materially different consent is legally required, it will be obtained as required by applicable law.
For questions, requests, or concerns regarding consent or processing of your personal information, you may contact:
By selecting the applicable consent option, submitting your information, completing OTP verification, or proceeding with the relevant digital journey, you acknowledge that:
You understand your rights and the process for contacting FinOrbit regarding privacy and consent-related matters.
FinOrbit Finance Private Limited
1009, Sakar 5, Nr-Natraj Cinema, Ashram Road, Ahmedabad, Gujarat, India – 380009
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