Privacy Policy

Finergy Transport Finance Limited is a registered finance company based in Chennai, licensed by the Reserve Bank of India (RBI). We provide transport finance and related lending services across Tamil Nadu and Pondicherry.

When you visit our website or apply for a loan with us, you share personal information with us. This policy explains what we collect, why we collect it, and how we keep it safe.

Depending on how you interact with us, we may collect:

• Your name, date of birth, and government ID details (PAN, Aadhaar, etc.)
• Your phone number, email address, and home or office address
• Your income details, bank account information, and loan repayment history
• Vehicle or asset documents relevant to your loan application
• Photographs and any other documents needed to verify your identity
• Records of your conversations with our customer support team
• Basic technical details like your IP address and browser type when you visit our website

We use your information to:

• Review and process your loan application
• Verify your identity, as required by RBI regulations
• Manage your loan account and send you repayment reminders and statements
• Share your repayment history with credit bureaus like CIBIL, as required by law
• Detect and prevent fraud
• Respond to your questions and complaints
• Improve our services and website
• Send you updates about our products, if you’ve opted in

We only use your information for the purposes listed above. We do not use it for anything else without letting you know.

We do not sell your personal information. We only share it when necessary:

• Credit bureaus (such as CIBIL, Equifax, Experian) — your repayment record is shared with them as required by law. This can affect your credit score.
• Government and regulatory bodies — including the RBI, Income Tax Department, and financial intelligence authorities, when the law requires us to report.
• Our service partners — such as companies that help us with IT systems, document checks, or loan recovery. They are only allowed to use your data to do their specific job for us.
• Courts or legal proceedings — if we are required to disclose information by a court order or legal process.
• A new owner — if Finergy is ever acquired or merged with another company, your data may be transferred as part of that process.

Because we are a licensed finance company, we are required by law to report your loan details and repayment history to credit bureaus. Other lenders may use this information when you apply for credit elsewhere. If you believe any information reported about you is incorrect, you can raise a dispute directly with the credit bureau.

We take the security of your data seriously. We use encryption, secure servers, and access controls to make sure your information is protected. Only authorised staff can access your data, and only when they need to.

That said, no system is 100% secure. If you ever suspect your account has been compromised, please contact us immediately.

You have the right to:

• Ask us what personal information we hold about you
• Ask us to correct anything that is wrong or outdated
• Withdraw your consent for marketing messages at any time
• Ask us to delete your data, where we are legally permitted to do so
• Raise a complaint if you feel your information has been mishandled

To do any of the above, just contact us using the details at the bottom of this page.

Our website uses cookies — small files stored on your device — to make your browsing experience smoother and to understand how people use our site. You can turn cookies off in your browser settings, though some parts of the website may not work as well if you do.

Our website may include links to other websites. We are not responsible for how those websites handle your data. We recommend reading their privacy policies before sharing any information with them.

If you have any questions or concerns about how we handle your personal information, please reach out to us. We’ll get back to you within 48 hours and aim to resolve your concern within 30 days.