Policy

PRIVACY POLICY


Reasonable Security Practices and Procedures


  • All Information collected shall only be used to provide the Visitor with the best possible services.

  • The material contained in this site and on associated web pages is general information and it is not intended to be advice on any particular matter. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. The decision with respect to any financial product or opportunity or nature or suitability or choice or the viability of any product or service shall always be sole responsibility and decision of the subscriber and user.

  • goldenfinancecompany.com reserves the right to cancel any listing at any time for any reason, with or without cause/reason, and reserves the right to prohibit or restrict access to the Services to anyone at any time, with or without cause/reason. If you rely on this service or any material available through this service, you do at your own risk. You understand and accept that there may be delays, omissions, interruptions, inaccuracies and/or other problems with the information, products and services published on this site.

  • Golden Finance Company will use the Information to improve the visitor experience on the site and make subsequent offers to the visitor on products which may be of interest to him / her.


    • Disclosure of Personal Information


    Definitions


    ”Personal information” means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Company, is capable of identifying such person.


  • password
  • financial information such as Bank account details or other payment instrument details
  • medical records & history
  • Any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise.

    • Provided that, any information that is freely available or accessible in public domain or furnished under the right to information act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purposes of this policy.

  • The Information shall not be shared with any external organization unless the same is necessary to enable Golden Financial Services to provide you services or to enable the compilation of a transaction, credit reporting, or the same is necessary or required pursuant to applicable finance norms or pursuant to the terms and conditions applicable to such Information as agreed to with Golden Financial Services. Needless to add, confidentiality norms as applicable to finance shall be adhered to.
  • Any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as personal information for the purposes of this Policy and the Golden Finance Company shall not be responsible for the same.
  • We do not disclose personal information overseas.
    We may use cloud storage and IT servers that may be located overseas to store the personal information we hold.
  • Anonymity and Pseudonymity
  • Generally we are not able to deal with customers who do not wish to identify themselves. However, where possible and appropriate we will provide information of a general nature to unidentified individuals.
  • Correction of Personal Information
  • If we hold personal information about an individual and we are reasonably satisfied that the information is inaccurate, out of date, incomplete, irrelevant or misleading, or we receive a request to correct the information, we will take reasonable steps to correct the information.
  • If we correct personal information that we have previously disclosed, we will take reasonable steps to notify the entity to which we disclosed the information of the correction. We may not always make corrections to an individual’s personal information.
  • If, after notifying the individual of our refusal to correct personal information, the individual requests us to issue a statement on the record that contains the personal information; we will take reasonable steps to do so.

    • Notice of Change

    The Company may, change this Policy from time to time. The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.


    Unsolicited Personal Information

    If we receive any unsolicited amount from the customer side we always try our best to update their amount in previous or upcoming charges.


    Children’s Privacy

    Our Site is not intended for use by children. We do not knowingly collect Personal Data from children under the age of 18 years. If we become aware that a child under 18 years of age has provided us with Personal Data, we take immediate steps to delete such Personal Data.


    Do Not Track

    The Site is not currently configured to respond to Do Not Track signals sent by Internet browsers.


    Contact

    You agree that we may call you, leave you a message, or send you a text, email, or other electronic message for any purpose related to your expression of interest in our Site, your loan with us, our Services, or surveys or research (each a “Communication”), to the extent permissible by law. You agree that we may call or text you at any telephone number associated with your loan, including cellular telephone numbers and may send an email to any email address associated with your loan. You also agree that we may include your Personal Data in a Communication. In addition, you understand and agree that we may communicate with you in any manner permissible by law that does not require your prior consent.


    Data Retention

    To ensure fair processing, Personal Data will not be retained by us for longer than necessary in relation to the purposes for which it was originally collected. To determine the appropriate retention period for your Personal Data, we will consider the amount, nature, and sensitivity of the Personal Data, the potential risk of harm from unauthorized use or disclosure of your Personal Data, the purposes for which it was processed and whether the purpose can be achieved through other means as well as the applicable legal requirements.
    We categories any identified or identifiable individual person or “Data Subject” into:


    1. someone that has successfully completed an application for a loan and received funding from us or an application for a bond investment product;
    2. someone that has created an account or registered on the platform (and has no other products with Golden Finance causing him or her to fall within category 1), but who’s application is in a state other than disbursed or settled due to:
      • it having been deemed unsuccessful;
      • it having been withdrawn by the Data Subject; or
      • it currently being in a pending state.
    1. someone that has applied for employment with us and submitted his/her CV and supporting documents through the Site; or
    2. a visitor to our Site.

    In the case of category 1, we will retain all Personal Data for a period of up to the relation between company and the customer subsequent to the account having been settled or the completion of the bond investment term.
    In some circumstances you can ask us to delete your Personal Data. We may anonymise your Personal Data (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you.
    If you have any questions regarding this Privacy Policy, please email us at [email protected]


    Effective Date

    29/02/2021




    LOAN POLICY


    • Minimum Loan amount will be Rs. 20,000/- and maximum Loan amount No limit.
    • Loan Amount interest rate of 8.50% to 24% Yearly flat.
    • Loan Approved Letter is three days valid.
    • Repayment of Loan will be on monthly installment bases along with interest.
    • Tenure of repayments will be minimum six month and maximum twenty years.
    • Loan may be given to any person working in State/ Central Government within India.
    • If the full an final repayment of the Loan amount is made before the stipulated period then applicant may get relaxation on interest.
    • File charge and expenditure regarding property verification, Mortgage deed, registration, Verification, Guaranty deed registration, Guarantor Verification, Agent Commission etc. will be bear by the applicant.
    • After considering all the facts and aspects of the loan application, applicant will be intimated in due course of time regarding approval of loan by the financial firm/ Company.
    • If the customer fails to complete the loan procedure, all the Company Legal Charges (processing fees, GST, and other charges), in that case, are held non-refundable.
    • If EMI will deposit late then 2% Per day charges will apply of EMI Amount.
    • After submitting all papers and completing all formalities as per firms/ Company’s requirement by the applicant, the financial Firm/Company will disburse the loan Before one week through Cheque or Online.
    • All documentation should be completed within 15 days from the date of issuing of approval letter otherwise the company will cancel the loan application.
    • File will be cancelled after 15 days if the procedure is incomplete.
    • Amount of loan allowed up a maximum 70% of the current market value of the property offered in mortgage.
    • Property of any type from anywhere in India is acceptable.
    • Legal charges is required to be born and paid by borrower after getting the loan approval letter, if approval and only after having received the loan sanction commitment letter from us by the borrower.
    • Installment payable on monthly basis.
    • Misuse of any approval /sanction letter or any other documents given by company to customer shall be at their own risk.
    • Company may also suspend services on the web/loan cancel request for any customer at its sole discretion without assigning any reason whatsoever. In such event customer unable to complete his process.
    • Company is not responsible for or liable for, any action, claims, demands, losses, damages, costs, charges and expenses that a customer may suffer, sustain or incur due to the offer or other court charges would not refundable.
    • Returned, disputed or unauthorized/ fraudulent transactions will not be considered from the customers.
    • All disputes to be schedule with Sri Ganganagar (Rajasthan) Court Jurisdiction only.