1. Introduction

This Privacy Policy is designed to detail the practices of FINRADAR FINANCIAL PRIVATE LIMITED (hereafter referred to as "we," "us," or "our") concerning the storage, utilization, processing, and disclosure of personal data. This data encompasses what you choose to share with us when downloading and using our mobile application, "Sunflower Rupee" (the "App"), or accessing the services provided on our official website, https://sunflowerrupee.com. Collectively, the App and the website are known as the "Platform".

At the core of our operations lies an unwavering commitment to safeguarding your personal data and upholding your privacy rights. We earnestly encourage you to thoroughly peruse the following terms of this Policy. By doing so, you will gain a comprehensive understanding of how we handle your personal data and the principles that govern our treatment of it. This Policy establishes the fundamental framework for the processing of any personal data that we collect from you, gather about you, or that you provide to us.

When you consent to our processing of your personal data, you are affirming that we will collect, store, use, and disclose such data in strict accordance with the provisions of this Policy. It is important to note that if you do not agree with the content of this Policy, we advise against using our Platform and Services.

2. The Personal Data We Collect

With your explicit consent, we collect, transfer, and store your personal data on secure servers. Our primary objective in doing so is to deliver the Services to you effectively or to support activities related to these Services. We adhere to the principle of data minimization, collecting and processing only the essential personal data required to provide you with the best possible service experience. The personal data we gather includes the following categories:

Personal information

We collect information such as your full name, date of birth, gender, photograph, educational qualifications, the intended purpose of any loan (if applicable), property ownership details, employment status, comprehensive contact information (including physical address, and phone number), and marital status. This data serves multiple critical functions, including uniquely identifying you as a user, tailoring our services to your specific needs, and enabling us to offer personalized customer support.

SMS Information

With your permission, we collect, transmit, and store transaction - related SMS data from your mobile device. This data is invaluable for us as it allows us to verify and analyze your financial situation. By examining this information, we can determine aspects such as your cash flow, creditworthiness, income levels, and spending patterns. This data is essential for us to accurately assess your credit risk. It is crucial to emphasize that we do not collect, read, or store any personal SMS messages or sensitive account details.

Device information

In order to provide a better experience, we will collect some information related to your device, such as device model, IP address, browser type, operating system version, and network operator and manufacturer identification. This information helps us evaluate your device performance and compatibility and ensure that our application can run smoothly on your device.

List of installed applications

In order to prevent fraud and scams, we need to obtain information about the applications installed on your device. Sunflower Rupee will collect and upload a list of non-system applications installed on your device (including application name, application installation time, application update time, etc.) to analyze your behavioral preferences and help evaluate your credit level.

3. How We Use Your Personal Data

We are committed to using your personal data in strict compliance with all applicable laws and regulations. Our usage of your data is based on your consent or when necessary to fulfill our legal obligations. The primary purposes for which we use your personal data are as follows:

Providing and Managing Services

Your personal data is integral to the registration and management of your account on our Platform. It enables us to verify your identity, ensuring the security of your account. We also use this data to provide you with the services you have requested, such as the approval and disbursement of loans, management of loan repayments, processing of transaction requests, and completion of payment settlements. Additionally, your data helps us provide efficient customer support, allowing us to address your inquiries, handle complaints, and resolve any issues you may encounter promptly.

Compliance and Risk Management

We are obligated to comply with a wide range of laws, regulations, and regulatory requirements. Your personal data plays a crucial role in our compliance efforts, including anti - money - laundering monitoring, identity verification, and risk assessment. By analyzing this data, we can effectively manage credit and fraud risks, safeguarding the security of the Platform and the funds of our users. Regular compliance audits and inspections are conducted using your data to ensure that our business operations adhere to all relevant regulations.

Personalized Services and Marketing

Leveraging your personal profile, usage habits, preferences, and behavior data, we strive to provide you with personalized service recommendations, targeted promotional activities, and customized content displays. This approach allows us to enhance your overall experience on our Platform and offer you products and services that are most relevant to your needs.

Data Analysis and Service Optimization

We conduct in - depth data analysis using your personal data to gain insights into user needs and behavior patterns. This analysis helps us identify areas for improvement in our existing service functions, enabling us to enhance the user experience continuously. We also use this data for market research and trend analysis, which informs the development of new products and services. Additionally, monitoring service performance and troubleshooting issues are made possible through the analysis of your data, ensuring the stable and reliable operation of our services.

4. Your Rights Regarding Personal Data

You are entitled to several important rights regarding your personal data, and we provide multiple channels for you to exercise these rights. You can reach out to us using the contact information provided in this Policy to do so.

Right of Access

You have the right to access the personal data that we have collected and stored about you. This includes viewing your personal profiles, transaction records, and other relevant information. You can exercise this right by logging into your App account or by submitting a written request to us.

Right of Rectification

If you discover that any of the personal data we process about you is inaccurate or incomplete, you have the right to request that we correct or supplement it. For information that can be modified directly within the App, you can make the necessary changes yourself. For data that requires our intervention, you can submit a correction application, and we will process it promptly.

Right of Erasure

Under specific circumstances defined by laws and regulations, you have the right to request the deletion of your personal data. This may be applicable when the purpose for which the data was collected has been fulfilled, the data is no longer necessary, or when you withdraw your consent and there is no other legal basis for its processing. However, please be aware that in some cases, we may need to retain the data to fulfill legal obligations, protect public interests, or for other legitimate reasons, and in such instances, we may not be able to fully comply with your deletion request.

To safeguard the security of your account, we may require you to authenticate your identity when exercising any of these rights. We are committed to responding to your requests within 7 working days of receipt and will handle them within the boundaries of the law. In the event that your request is complex or requires further verification, we will extend the processing time as necessary and keep you informed throughout the process.

5. Data Security

We place the highest priority on the security of your personal data and have implemented a comprehensive suite of technical and management measures to protect it.

To safeguard your data during transmission, we employ advanced encryption technologies, such as SSL/TLS encryption, which scramble the data to prevent interception and unauthorized access. Stored data is also encrypted, and we have established strict access controls, ensuring that only authorized personnel can access it. Additionally, we utilize security protection devices, including firewalls and intrusion detection systems, to defend against network attacks and unauthorized attempts to access our systems.

6. Policy Changes

As our business evolves, laws and regulations change, or other factors necessitate, we may find it necessary to revise this Privacy Policy. When such revisions occur, we will make the updated Policy available within the App and on our website. We will also notify you of the changes through appropriate channels, such as push notifications or email, to ensure that you are aware of the modifications.

We encourage you to review this Policy regularly to stay informed about any changes. By continuing to use our Platform and Services after the revised Policy has been announced, you signify your acceptance of the updated terms. If you do not agree with the revised Policy, you have the option to discontinue using our Services and can request the deletion of your personal data in accordance with the provisions outlined in this Policy.

7. Contact Us

If you have any questions, comments, or suggestions regarding this Privacy Policy, or if you wish to exercise your rights related to your personal data, please feel free to contact us. You can reach our customer service team via the following email address: compliance@sunflowerrupee.com.

We are dedicated to responding to your inquiries promptly and resolving any issues you may have within the bounds of the law. Your satisfaction and the protection of your privacy are our top priorities.