Privacy Policy

At TNBF(Tamil Nadu Business Finance), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Fill out loan application forms
• Contact us via email or phone
• Subscribe to our newsletter
• Use our chatbot or inquiry forms

This information may include:

• Personal Details: Name, date of birth, gender
• Contact Information: Email address, phone number, residential address
• Business Information: Business name, type, GST number, registration details
• Financial Information: Bank account details, transaction volumes, income information
• Identity Documents: Aadhar card, PAN card, passport, business registration certificates

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device:

• IP address and browser type
• Operating system and device type
• Pages visited and time spent on site
• Referring website and search terms
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• Loan Processing: To evaluate your loan application and determine eligibility
• Communication: To contact you regarding your application, respond to inquiries, and provide customer support
• Verification: To verify your identity and prevent fraud
• Service Improvement: To analyze website usage and improve our services
• Legal Compliance: To comply with applicable laws and regulations
• Marketing: To send you updates about our products and services (with your consent)

3. How We Share Your Information

We do not sell or rent your personal information. We may share your information with:

Service Providers

Third-party service providers who assist us in:

• Email delivery and communication services
• Data analytics and website optimization
• Payment processing and verification
• Cloud storage and hosting services

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes or government requests
• Enforce our terms and conditions
• Protect our rights, privacy, safety, or property
• Prevent fraud or illegal activities

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Encryption of data in transit using SSL/TLS
• Secure servers and databases with access controls
• Regular security audits and updates
• Employee training on data protection
• Multi-factor authentication for sensitive access

5. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request corrections to inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request transfer of your data to another service provider
• Withdraw Consent: Withdraw consent for data processing where applicable

To exercise these rights, please contact us at tnbsns.finance@gmail.com

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience:

Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

7. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy
• Comply with legal, regulatory, and reporting obligations
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

Typically, we retain loan application data for 7 years as per financial regulations.

8. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on this page
• Updating the "Last Updated" date at the top
• Sending you an email notification (for significant changes)

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

By using our website and services, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.