Privacy Policy

1. Introduction

Welcome to Addon Capital Services Private Limited (referred to as “Addon Capital,” "we," "us," or "our"). We operate the website www.addoncapital.in (the "Site"). We are committed to protecting your personal information and your right to privacy.

By accessing our Site and utilizing our financial services, you agree to the terms of this Privacy Policy. If you do not agree with these terms, please discontinue use of our services immediately.

2. Information We Collect

To provide efficient financial services, we collect both Personal and Technical data.

3. Cookies and Tracking Technologies

We use cookies to enhance your experience and analyze web traffic.

• Essential Cookies: Required for the Site to function (e.g., keeping you logged in).
• Analytical Cookies: To help us understand how users navigate the site.
• Management: You can disable cookies via your browser settings; however, certain features of the financial application process may become unavailable.

4. How We Use Your Information

We process your information for the following legal and business purposes:

• Service Delivery: To process loan applications, verify identity, and manage your account.
• Risk Management: To assess creditworthiness and detect/prevent fraud or money laundering.
• Communication: To send transaction alerts, newsletters, and marketing updates (where opted-in).
• Compliance: To meet statutory requirements under the RBI or other regulatory bodies.

5. Sharing and Disclosure of Data

We do not sell your personal data. We only share information in the following circumstances:

• Lending Partners: With banks or NBFCs that provide the actual credit facility.
• Service Providers: Third-party vendors who handle KYC verification, cloud hosting, or customer support.
• Legal Necessity: If required by law, court order, or to protect the safety and rights of Addon Capital.
• Business Transfers: In the event of a merger, acquisition, or sale of assets.

6. Data Security

We implement industry-standard administrative, technical, and physical security measures (including SSL encryption) to safeguard your sensitive financial data.

Note: While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet is 100% secure.

7. Your Data Protection Rights

Depending on applicable laws, you have the following rights:

• Access & Rectification: The right to request a copy of your data and ask for corrections of inaccurate info.
• Data Portability: The right to request a transfer of your data to another service.
• Withdrawal of Consent: You may withdraw your consent for data processing at any time (though this may result in the cancellation of pending loan applications).
• Erasure: The right to request deletion of your data, subject to statutory retention periods (e.g., financial records must often be kept for 5-7 years).

8. Third-Party Links

Our Site may contain links to other websites (e.g., partner banks). We are not responsible for the privacy practices of third-party sites. We encourage you to read their policies before providing personal data.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date.

10. Contact Us & Grievance Redressal

If you have questions about this policy or wish to exercise your data rights, please contact our Grievance Officer: