Last Updated: 15 / 12 / 2025

Gravity Finserve (“Company”, “we”, “our”, “us”) explains how we collect, use, store, disclose, and safeguard your information when you visit gravityfinserve.com or engage with our loan advisory, financial consulting, and related services (“Services”).

By accessing our Website or submitting information, you consent to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Personal Information

  • Full name
  • Email address
  • Phone number
  • Residential / office address
  • Date of birth
  • PAN, Aadhaar, or other KYC identifiers
  • Bank statements, income documents, and credit reports
  • Business information (for business loan applications)

1.2 Automatically Collected Data

  • IP address
  • Browser type and version
  • Device identifiers
  • Location data (if enabled)
  • Pages visited, time spent, and referral sources
  • Cookies and tracking technologies (see Section 7)

1.3 Third-Party Information

We may receive additional data from:

  • Banks and NBFC partners during loan processing
  • Credit bureaus (CIBIL, Experian, etc.)
  • Advertising and analytics platforms (Google, Meta, etc.)

2. How We Use Your Information

We use your information for the following lawful purposes:

  • To verify identity and process loan applications
  • To assess eligibility, creditworthiness, and risk analysis
  • To provide loan recommendations and financial services
  • To communicate updates, approvals, queries, and offers
  • To improve website performance, security, and user experience
  • To comply with legal, regulatory, and audit obligations
  • For marketing, retargeting, and advertising on Google, Meta, and other platforms
  • To prevent fraud, unauthorised access, or illegal activities
We do not sell, rent, or misuse personal data.

By submitting your personal information on our website or through advertisements, you expressly consent to being contacted by Gravity Finserve via phone calls, SMS, WhatsApp, email, or other communication channels for loan-related services, updates, and promotional communication.

3. Legal Basis for Processing

Processing of personal data is based on:

  • Your consent
  • Contractual necessity for providing financial services
  • Compliance with legal obligations under Indian law
  • Legitimate interests, including fraud prevention, marketing, and service improvement

4. Information Sharing and Disclosure

We may share your data with:

4.1 Banks, NBFCs, and Financial Institutions

For credit evaluation, loan processing, underwriting, and approval.

4.2 Service Providers

Including IT providers, payment processors, verification agencies, and analytics partners.

4.3 Advertising and Analytics Platforms

Google Ads, Meta (Facebook/Instagram), and similar platforms may receive hashed or anonymised data for remarketing and conversion tracking.

4.4 Legal and Regulatory Authorities

As required under law, regulation, or court orders.
We ensure all third parties maintain confidentiality and use the data only for the intended purpose.

Gravity Finserve is a loan advisory and facilitation service provider and does not directly lend money. Final loan approval, amount, interest rate, and terms are solely at the discretion of banks and NBFC partners.

5. Data Storage and Retention

  • Personal information is stored securely on encrypted servers.
  • Data is retained only for as long as required to fulfil business, legal, or regulatory obligations.
  • Sensitive data (KYC, bank statements, financial documents) is retained only for the minimum period necessary and securely deleted thereafter.

6. Data Security

We implement industry-standard security measures, including:

  • SSL encryption
  • Secure server architecture
  • Restricted access controls
  • Regular audits and monitoring
  • Data minimisation and safe storage practices

However, no online platform can guarantee absolute security. Users share information at their own risk.

7. Cookies, Tracking & Advertising Technologies

Our Website uses cookies and similar tracking tools for:

  • Website analytics
  • User experience improvements
  • Ad targeting and remarketing
  • Conversion measurement

Platforms we may use include:

  • Google Ads
  • Google Analytics
  • Meta Pixel (Facebook/Instagram)
  • Third-party tracking pixels

You may disable cookies in your browser settings, but certain features may not function correctly.

Users will be presented with a cookie consent banner upon visiting the website, allowing them to accept or manage cookie preferences as required by applicable laws and advertising platform policies.

8. Your Rights

Subject to applicable law, you have the right to:

  • Access the personal data we hold
  • Request correction or update
  • Withdraw consent at any time
  • Request deletion of personal data (subject to legal retention)
  • Opt-out of marketing communications
  • Request portability of data where applicable

Requests can be made using the contact details below.

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

10. Third-Party Links

Our Website may contain links to external third-party sites. We are not responsible for their privacy practices or content. Users should review their respective policies.

11. Changes to This Policy

We may update this Privacy Policy periodically. The updated version will be posted on this page with a revised “Last Updated” date.

Continued use of the Website constitutes acceptance of the updated policy.

Governing Law & Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts located in Delhi, India.

12. Contact Information

Gravity Finserve
21/681, 3rd Floor, Faiz Road, Karol Bagh, Delhi – 110005
Email: info@gravityfinserve.com

13. Grievance Officer / Data Protection Contact

In accordance with applicable Indian data protection laws, including the Digital Personal Data Protection Act, 2023, users may contact our designated Grievance Officer for any concerns related to personal data processing.

Grievance Officer: Compliance Officer – Gravity Finserve
Email: grievance@gravityfinserve.com
Response Time: Within 7 working days