Privacy Policy

Evam Finance Private Limited ("Evam", "we") respects your privacy. This Policy explains what personal data we collect, why we collect it, how we use and share it, and the rights you have over it.

1. Information We Collect

• Identity & contact data — name, photo, PAN, Aadhaar (with consent), address, email, phone.
• Financial data — bank statements, GST returns, credit bureau records, business cash flows.
• Asset / collateral data — property documents, project details, invoices, valuation reports.
• Device & usage data — IP address, device identifiers, page interactions on our website.

2. How We Use Your Data

• Eligibility assessment, credit appraisal, sanction and disbursal of loans.
• Servicing, collections and recovery.
• Compliance with KYC, AML, tax and other statutory obligations.
• Fraud prevention, audit, internal analytics and risk management.
• Communicating with you about your account.

3. Sharing of Data

We share personal data only with: (a) regulators and statutory authorities; (b) credit information companies; (c) service providers under contractual confidentiality (KYC, e-sign, cloud, collections); and (d) co-lending / assignment partners in line with the loan agreement.

4. Consent

We process personal data on the basis of your consent (or where law permits). You may withdraw consent for non-statutory processing at any time by writing to privacy@evamfinance.com.

5. Your Rights (DPDP Act, 2023)

• Right to access, correction and erasure of personal data.
• Right to grievance redressal.
• Right to nominate.

6. Data Storage & Security

Personal data is stored on servers located in India, with industry-standard administrative, physical and technical safeguards. See our Data Storage Policy for details.

7. Cookies

Our website uses essential cookies and limited analytics cookies. You can disable non-essential cookies in your browser settings.

8. Grievances

Data-protection grievances may be raised with our Data Protection Officer at dpo@evamfinance.com. Unresolved matters may be escalated to the Data Protection Board of India.

9. Changes to this Policy

We may update this Policy from time to time. The latest version is always available on this page.