NeoFinQFinancial Intelligence

Legal Documentation

Privacy Policy

Learn how NeoFinQ collects, uses, stores, protects, and shares your personal information while providing Personal Loan and Credit Card marketplace services.

Effective 29 June 2026 · Updated 25 August 2026 · ~5 min read · v1.1

NICEDIAL CONSULTANCY SERVICES (trading as NiceDial Tech)GSTIN: 06GWSPK8091K1ZK

1. Introduction

NICEDIAL CONSULTANCY SERVICES, trading as NiceDial Tech, GSTIN 06GWSPK8091K1ZK ("we", "our", or "us"), is the data fiduciary responsible for your personal data and operates NeoFinQ ("NeoFinQ" or the "Platform"), a digital financial marketplace that enables users to discover, compare, and apply for Personal Loans and Credit Cards offered by regulated banks, NBFCs, and other financial institutions.

This Privacy Policy explains how we collect, use, store, protect, and share your personal information when you use the NeoFinQ platform, website, and related services.

NeoFinQ is not a bank, NBFC, lender, or credit card issuer. We act as a technology platform connecting users with Lending Partners.

2. Information We Collect

We collect information necessary to provide marketplace services, verify identity, and improve your experience.

Personal Information

Name, email, phone number, date of birth, PAN, address, employment, and income details you provide.

Device Information

Device type, operating system, browser, IP address, and unique device identifiers.

Application Information

Loan or credit card preferences, eligibility inputs, and application status data.

Usage Analytics

Pages viewed, features used, session duration, and interaction patterns on the Platform.

Cookies

Session, preference, and analytics cookies as described in our Cookie Policy.

Location

Approximate location when you grant permission, used for relevant product availability.

3. How We Collect Information

Information is collected through the following channels:

  1. 1

    Directly from you

  2. 2

    OTP Verification

  3. 3

    Cookies

  4. 4

    Lending Partners

  5. 5

    Analytics

When you register, complete eligibility checks, or submit applications, you voluntarily provide personal information. We may also receive limited data from partners and analytics providers to improve our services.

4. How We Use Your Information

We use your information to operate the marketplace and deliver personalized experiences.

Verify Identity

Authenticate your account through OTP and prevent unauthorized access.

Recommend Products

Surface Personal Loan and Credit Card options matched to your profile.

Improve Platform

Analyze usage patterns to enhance features, performance, and user experience.

Customer Support

Respond to inquiries, resolve issues, and provide account assistance.

Fraud Prevention

Detect suspicious activity and protect users and partners from fraud.

Legal Compliance

Meet regulatory obligations under applicable Indian laws and RBI guidelines.

5. AI & Automated Recommendations

AI-generated recommendations

  • Product recommendations may be generated using automated systems and configurable rules based on information you provide.
  • Recommendations are indicative and do not guarantee eligibility, approval, interest rates, or credit limits.
  • All lending and credit decisions are made solely by Lending Partners — not by NeoFinQ.

You should independently evaluate any financial product before applying. NeoFinQ does not make underwriting or approval decisions.

6. Sharing of Information

We share your information only as described below and when necessary to provide our services.

BanksNBFCsCredit Card IssuersKYC ProvidersCloud ProvidersAnalytics ProvidersGovernment Authorities (where legally required)

Our commitment

NeoFinQ never sells your personal information to third parties for marketing or advertising purposes.

When you apply for a product, we share relevant application data with the selected Lending Partner to facilitate evaluation. All partners are bound by their own privacy policies and regulatory obligations.

8. Cookies

How we use cookies

  • Session cookies — keep you signed in during your visit.
  • Analytics cookies — help us understand how the Platform is used.
  • Preference cookies — remember your settings and choices.

You can manage cookie preferences through your browser settings. Disabling certain cookies may limit Platform functionality.

9. Device Permissions

Our mobile and web applications may request the following permissions when required:

Camera

For KYC document capture and identity verification where supported.

Storage

To upload documents and save application drafts locally.

Notifications

To send application status updates and important account alerts.

Location

To show region-relevant products when you grant permission.

Microphone

Only if required for specific verification flows, with your explicit consent.

10. Data Retention

We retain personal information only as long as necessary for the purposes described in this Policy.

  1. 1

    Collect

  2. 2

    Process

  3. 3

    Store Securely

  4. 4

    Retain as required

  5. 5

    Delete / Anonymize

Retention periods may vary based on legal requirements, regulatory obligations, and the nature of our relationship with you. When data is no longer required, we securely delete or anonymize it.

11. Security

How we protect your data

NeoFinQ implements industry-standard technical and organizational safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

Encryption

Data encrypted in transit and at rest using industry-standard protocols.

Secure Servers

Infrastructure hosted on secure, monitored cloud environments.

Access Control

Role-based access limited to authorized personnel on a need-to-know basis.

Monitoring

Continuous monitoring for anomalies and potential security incidents.

Audit Logs

Activity logging to support security reviews and compliance audits.

Fraud Detection

Automated systems to identify and prevent fraudulent activity.

12. Your Rights

Subject to applicable law, you may have the following rights regarding your personal information:

  • Access — request a copy of personal information we hold about you.
  • Correction — request correction of inaccurate or incomplete information.
  • Deletion — request deletion of your data, subject to legal retention requirements.
  • Withdraw Consent — withdraw consent for future processing where applicable.
  • Marketing Preferences — opt out of promotional communications at any time.

To exercise these rights, contact us at privacy@neofinq.com. We will respond within timelines prescribed by applicable law.

13. Third-Party Websites

NeoFinQ may contain links to third-party websites, including Lending Partner portals. We are not responsible for the privacy practices or content of those websites.

We encourage you to review the privacy policies of any third-party site you visit before providing personal information.

14. Children's Privacy

Not intended for minors

  • NeoFinQ services are intended for users aged 18 and above.
  • We do not knowingly collect personal information from children under 18.
  • If you believe we have collected information from a minor, contact us immediately.

15. Changes to Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, or applicable laws.

We will post the updated Policy on this page with a revised "Last Updated" date. Continued use of NeoFinQ after changes constitutes acceptance of the updated Policy.

17. Grievance Officer

Grievance Officer

grievance@neofinq.com

Monday to Friday, 10:00 AM to 6:00 PM (IST)

In accordance with applicable laws, NeoFinQ has appointed a Grievance Officer to address privacy-related complaints.