Privacy Policy

Sri Chakra Auto Finance (“we”, “us”, “our”) respects your privacy and is committed to protecting the personal information you provide while using our website and online payment services.

This Privacy Policy explains how we collect, use, store, process, and protect your information when you access [Website URL] and use our services to view your loan information and make EMI or other loan-related payments.

By accessing or using our website, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

When you use our website or EMI payment services, we may collect information including:

Personal and account information

• Mobile number
• Customer name, where applicable
• Customer or borrower reference
• Loan account number or loan reference
• Loan details associated with your registered mobile number
• Outstanding amount
• EMI amount and due information

Authentication information

Our website may use OTP-based authentication to verify your identity.

When you request an OTP, we may process:

• Your registered mobile number
• OTP request and verification status
• Date and time of authentication
• Relevant technical information required for security and fraud prevention

We do not ask you to share your OTP with our employees or representatives.

2. Payment Information

When you choose to make an EMI or loan-related payment, you may be redirected to or connected with an authorised third-party payment gateway.

Depending on the payment method used, the payment gateway may process information such as:

• Credit or debit card details
• UPI details
• Net banking information
• Bank account/payment information
• Payment amount
• Transaction ID
• Payment status

We generally do not directly store complete card numbers, CVV numbers, UPI PINs, internet banking passwords, or other sensitive payment authentication credentials.

Such information is processed securely by the applicable payment gateway, bank, or payment service provider according to their respective terms and privacy policies.

We may retain transaction-related information such as the transaction reference, payment amount, payment date, payment status, payment gateway reference and associated loan account for reconciliation, accounting and customer support purposes.

3. How We Use Your Information

We may use the information collected through our website to:

• Authenticate customers using OTP.
• Identify loan accounts associated with the customer.
• Display applicable EMI, outstanding balance and payment information.
• Process EMI and other loan-related payments.
• Record and reconcile successful or unsuccessful payment transactions.
• Generate payment acknowledgements or receipts.
• Communicate payment confirmations and transaction updates.
• Respond to customer support enquiries.
• Prevent fraud, unauthorised transactions and misuse of our services.
• Maintain security and audit records.
• Comply with applicable legal, regulatory, accounting and reporting requirements.
• Improve the reliability and functionality of our website and payment services.

We will not use personal information for purposes that are materially unrelated to the purpose for which it was collected unless permitted by applicable law or appropriate consent has been obtained.

4. How the EMI Payment Process Works

The general payment process available through our website is:

Access to loan information is provided only after successful verification using the authentication mechanism made available on the website.

5. Sharing of Information

We may share information only when reasonably necessary with organisations such as:

• Banks and financial institutions.
• Payment gateways and payment processors.
• OTP/SMS service providers.
• Technology and hosting service providers.
• Service providers supporting our loan/payment operations.
• Auditors, professional advisers or regulatory authorities.
• Government or law-enforcement authorities where disclosure is required by law.

Service providers are expected to process information only for the purpose for which it has been provided and in accordance with applicable contractual and legal requirements.

We do not sell customers' personal information to third parties.

6. Cookies and Technical Information

Our website may collect certain technical information automatically, including:

• IP address
• Browser type
• Device information
• Operating system
• Login/session information
• Date and time of access
• Pages accessed
• Error and security logs

Cookies and similar technologies may be used to maintain user sessions, improve website functionality, prevent fraud, analyse website performance and maintain security.

Where analytics services such as Google Analytics are used, information may also be collected in accordance with the privacy practices of those service providers.

7. Data Security

We take reasonable administrative, organisational and technical measures designed to protect customer information against:

• Unauthorised access
• Disclosure
• Alteration
• Misuse
• Accidental loss
• Destruction

Security measures may include encrypted communications, access restrictions, authentication mechanisms, server security controls, monitoring and audit logging.

However, no method of transmitting or storing information electronically can be guaranteed to be completely secure.

8. OTP and Account Security

Customers are responsible for maintaining control over the mobile number registered with their loan account.

You should never disclose your OTP to another person.

Our representatives will not ask you to disclose your OTP, UPI PIN, CVV, card PIN or internet banking password.

If you believe your registered mobile number or account may have been compromised, please contact us immediately.

9. Data Retention

We retain personal and transaction information only for as long as reasonably necessary to:

• Provide our services.
• Maintain payment and loan records.
• Resolve disputes.
• Perform reconciliation.
• Meet accounting and audit requirements.
• Prevent fraud.
• Meet legal and regulatory obligations.

Different categories of information may be retained for different periods depending upon their purpose and applicable regulatory requirements.

10. Your Rights

Subject to applicable laws, you may have the right to:

• Request information regarding personal data held about you.
• Request correction of inaccurate information.
• Request updating of incomplete or outdated information.
• Raise concerns regarding the processing of your personal information.
• Request deletion of information where legally permissible.
• Withdraw consent where processing is based on consent, subject to legal and contractual limitations.

Certain information relating to loans, payments, accounting, regulatory compliance or legal obligations may need to be retained even after a deletion request.

11. Third-Party Payment Gateways

Our website may contain links to or integrations with third-party payment gateways.

When you proceed to such a payment gateway, your payment information may be processed directly by that provider.

Their processing of information is governed by their own privacy policies, security standards and terms of service. We recommend reviewing the relevant payment provider's privacy policy before completing a transaction.

12. External Links

Our website may contain links to third-party websites or services.

We are not responsible for the privacy practices, security or content of websites operated by third parties. You should review their applicable privacy policies before providing personal information.

13. Children's Privacy

Our online loan payment services are intended for persons who are legally eligible to enter into the relevant financial arrangement.

We do not knowingly collect children's personal information through the website except where permitted or required under applicable law and appropriate authorisation has been obtained.

14. Legal and Regulatory Compliance

We may collect, retain, use or disclose information where necessary to comply with applicable laws, court orders, regulatory requirements, governmental requests, financial regulations or lawful investigations.

Where applicable, personal information will be handled in accordance with applicable Indian data-protection requirements and other laws and regulations governing our services.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology, legal requirements or business practices.

The updated version will be published on this page with a revised “Last Updated” date.

We encourage users to review this Privacy Policy periodically.

16. Contact Us / Grievance

For questions, requests or concerns regarding this Privacy Policy or the handling of your personal information, please contact: