Terms & Conditions

Welcome to Fatafat. By using our app, you agree to the terms below. Please read them carefully before continuing.

Why We Collect Your Data

We collect your credit score and KYC (Know Your Customer) documents to:

• Verify your identity and address
• Check your credit eligibility
• Comply with RBI and legal requirements
• Offer you personalized financial services

Your Consent

By using Fatafat and submitting your documents, you:

• Personal Info: Name, email, phone number, gender, and date of birth
• KYC & ID Info: PAN, Aadhaar, bank details, salary, etc.
• Device Info: IP address, device type, app usage, and location (with consent)
• Permissions: Contacts, camera, location, and phone state—for onboarding and verification (only if you allow it)

How We Use and Protect Your Info

• Your data is used to assess your eligibility and provide you with financial products
• We do not sell your data and maintain strict confidentiality
• We use industry-standard security to protect your data from unauthorized access
• Your data is stored only as long as needed or required by law (e.g., 5–8 years for KYC)

Sharing Your Data

We may share your data with:

• Credit bureaus (e.g., Experian, CIBIL)
• Lending partners, service providers, and regulators
• Authorities, if required by law

Your data may also be used to send you offers and alerts. You can opt out of marketing messages anytime.

Updates to These Terms

We may update these terms from time to time. Changes will be shared via the app. Continued use means you accept the latest version.

Governing Law

• Indian law governs these terms
• Disputes will be handled by the courts in Raipur, Chhattisgarh
• CIC-related matters may be under the Mumbai jurisdiction and shall be dealt with separately.

Write to us at help@fatafatloans.com to request any of the above.

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