Privacy Policy

Last updated: June 17, 2026

1. Introduction

CBSG Finance Limited ("CBSG", "we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial products and services.

By using our services, you consent to the practices described in this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Full name, date of birth, and gender
• Contact details including address, phone number, and email
• Identity documents such as Aadhaar, PAN, and photograph
• Financial information including income, bank account details, and transaction history
• Employment and business information for loan applications
• Nominee and family details as required for membership

2.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information including your IP address, browser type, device information, pages visited, and time spent on the website through cookies and similar technologies.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Processing membership applications and maintaining member records
• Providing deposit and loan products and services
• Verifying identity and conducting credit assessments
• Processing transactions and sending account statements
• Complying with legal and regulatory requirements, including KYC and AML norms
• Communicating about products, services, and account updates
• Administering incentive programs for employees and representatives
• Improving our website and customer experience
• Preventing fraud and ensuring security of our systems

4. Information Sharing and Disclosure

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

• Regulatory authorities: As required by law, including RBI, MCA, and tax authorities
• Credit bureaus: For credit assessment and reporting of loan accounts
• Service providers: Third parties who assist in operations such as IT services, payment processing, and document verification, under strict confidentiality agreements
• Legal requirements: When required by court order, law enforcement, or to protect our legal rights
• Business transfers: In connection with any merger, acquisition, or sale of assets, with appropriate safeguards

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, secure servers, and regular security assessments.

While we strive to protect your information, no method of transmission over the internet is completely secure. We encourage you to keep your account credentials confidential and report any suspected unauthorized access immediately.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained as per applicable regulatory requirements.

7. Your Rights

Subject to applicable laws, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your information where legally permissible
• Withdraw consent for marketing communications
• Lodge a complaint with the relevant data protection authority

To exercise these rights, please contact us through your branch office or authorized representative.

8. Cookies

Our website may use cookies to enhance your browsing experience. Cookies are small text files stored on your device. You can control cookie settings through your browser preferences. Disabling cookies may affect certain website functionality.

9. Third-Party Links

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

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete such information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact CBSG Finance Limited through your nearest branch office or authorized representative.