Privacy Policy

1. About AMFYR

AMFYR Fintech Private Limited is a loan facilitation company and Direct Selling Agent (DSA) that assists customers in obtaining financial products from partner Banks, NBFCs and Housing Finance Companies. AMFYR does not sanction or disburse loans. Lending decisions remain with the respective financial institution.

2. Scope

This Policy applies to visitors of AMFYR.COM, loan applicants, customers, prospective customers, business partners and individuals interacting through our website, branches, phone, email, WhatsApp and digital campaigns.

3. Expanded Categories of Personal Data

Personal Identification Data (Name, DOB, PAN, Aadhaar, Passport, Voter ID, DL)
Contact Information
Employment Information
Financial Information
Credit Bureau Information
Banking Information
Device and Technical Information
Location Information (where consented)
Communication Records
CCTV Footage (for branch visits)
Call Recordings and Customer Interactions
Marketing Preferences and Consent Records
Nominee Information
Information received from third parties and lending partners

4. DPDPA 2023 Notice and Consent Framework

Notice and Consent

AMFYR shall process personal data only for lawful purposes after providing appropriate notice and obtaining consent where required under the Digital Personal Data Protection Act, 2023.

Consent may be collected through:

Website forms
Mobile applications
Facebook Lead Ads
Instagram Lead Forms
Google Lead Forms
WhatsApp
Email
Telephonic interactions
Branch visits
Referral programs

Consent shall be free, specific, informed, unconditional and unambiguous. AMFYR shall maintain consent records and audit trails.

5. Purpose of Processing

Loan sourcing and facilitation
Loan eligibility assessment
Creditworthiness assessment
KYC and AML verification
Fraud prevention and risk management
Background verification
Collection and recovery support
Regulatory reporting
Customer service
Complaint management
Product improvement and analytics
Marketing communications based on consent
Compliance with legal obligation

6. Data Sharing and Disclosure

AMFYR may share data with:

Banks
NBFCs
Housing Finance Companies
Insurance Companies
Credit Information Companies
CKYC Registry
Technology Service Providers
Cloud Hosting Providers
Collection Agencies
Legal Advisors
Auditors
Government Authorities
Regulators and Law Enforcement Agencies

Such sharing shall be limited to the purpose for which the data was collected.

7. Credit Bureau Authorization

The Customer authorizes AMFYR and its lending partners to obtain, access, verify, retrieve and share credit information, credit scores and credit reports from Credit Information Companies including CIBIL, Experian, Equifax and CRIF High Mark for evaluation of financial products and services.

8. Automated Decision Making

AMFYR and its lending partners may use automated systems, algorithms and profiling tools for credit assessment, eligibility evaluation, fraud detection and customer segmentation. Such processing may contribute to lending decisions.

9. TCCCPR 2018 Compliance

Commercial Communication and Marketing Consent

By providing contact details, the customer authorizes AMFYR and its lending partners to communicate through:

Voice Calls
SMS
WhatsApp
Messaging
Email
Push Notifications

for:

Loan status updates
Documentation requests
EMI reminders
Service communications
Promotional offers

All commercial communications shall comply with TCCCPR 2018 and TRAI directions.

10. WhatsApp Consent

By voluntarily providing a mobile number and opting for WhatsApp communications, the customer expressly consents to receive communications from AMFYR regarding loan processing, customer support, account servicing, promotional offers and other related services.

11. Facebook and Digital Lead Consent

By submitting information through Facebook Lead Ads, Instagram Lead Forms, Google Ads, website forms, landing pages or any digital campaign, the customer authorizes AMFYR and its partner financial institutions to contact the customer through phone calls, SMS, WhatsApp, email and other communication channels regarding financial products and services.

12. Data Principal Rights

Under DPDPA 2023, customers may:

Access personal data
Correct inaccurate data
Update information
Withdraw consent
Request erasure
Nominate another person
Lodge grievances

AMFYR shall respond within timelines prescribed under applicable law.

13. Consent Withdrawal Approach

Consent withdrawal requests may be submitted to info@amfyr.com. Verified requests shall be processed as soon as practicable and generally within 30 business days, subject to legal and regulatory retention requirements. Withdrawal of consent may impact AMFYR's ability to provide our full range of loan services and the best customer experience.

14. Data Retention

Recommended retention schedule:

Record Type	Retention Period
Loan Applications	10 Years
KYC Documents	As per Regulatory Requirements
Consent Records	10 Years
Call Recordings	5 Years
Customer Complaints	8 Years
Marketing Consent Logs	10 Years
Audit Records	10 Years

15. Security Controls

Encryption of sensitive data
Role-based access controls
Audit logging
Secure backup procedures
Vendor security assessments
Incident response procedures
Employee confidentiality obligations

16. Cross-Border Data Transfer

Where required for service delivery, technology operations or regulatory purposes, AMFYR may transfer personal data to authorized service providers located outside India, subject to applicable legal safeguards and contractual protections.

17. Cookies

AMFYR.COM may use cookies and analytics tools to improve website performance and user experience. Users may control cookies through browser settings.

18. Disclaimer

AMFYR is a loan facilitator only. Loan approval, interest rates, tenure, processing fees, all other charges, conditions and disbursement are solely determined by partner lenders. The customer is solely responsible for ensuring that all the above-mentioned information and supporting documents are accurate, complete and verified before submitting the loan agreement.

19. Governing Law

Governed by the laws of India.

20. Grievance Officer

AMFYR Fintech Private Limited
Email: hr@amfyr.com
Phone: 6282018612

Registered Office:
AMFYR FINTECH PRIVATE LIMITED,
43/2723, 1st Floor, Westwood Centre,
St. Vincent De Paul Convent Road,
Palarivattom,
Cochin (Kochi) - 682025,
Kerala, India.

This structure will make AMFYR's Privacy Policy substantially aligned with leading financial-sector privacy standards, DPDPA 2023 requirements, TCCCPR 2018 obligations, and lender due diligence expectations.

This policy version was last updated on 09.07.2026.