Privacy Policy

At Everlight Holdings Pvt Ltd, we are committed to safeguarding your privacy and ensuring that your personal information is handled with the utmost care and transparency. As a trusted financial partner since 1989, we understand the importance of protecting the data you share with us. This Privacy Policy outlines how we collect, use, store, and protect your information when you interact with our website, services, or business operations. By using our website or engaging with our services, you agree to the practices described in this policy. We encourage you to read this document carefully to understand how we manage your data.

Who We Are

Everlight Holdings Pvt Ltd is an RBI-registered NBFC (ICC classification, Base Layer) headquartered at 6 Brabourne Road, 4th Floor, Kolkata, West Bengal 700001. Established in 1989, we provide financial services such as business loans, credit lines, financial analysis, taxation planning, investment trading, and financial partnership solutions to both B2B and B2C clients. We do not accept public deposits and operate in full compliance with RBI guidelines. You can reach us at everlightnbfc@gmail.com or +91 78388 01660 during our business hours: Monday to Saturday, 9:45 AM to 6:30 PM.

Purpose of This Privacy Policy

This Privacy Policy is designed to inform you about how we handle your personal and financial information. It explains the types of data we collect, the purposes for which we use it, how we store and protect it, and your rights regarding your information. We aim to be transparent about our practices, ensuring that you feel confident in sharing your details with us. This policy applies to all users of our website, clients engaging with our services, and individuals who interact with us through email, phone, or in-person visits to our office.

Information We Collect

We collect various types of information to provide our financial services effectively and comply with legal requirements. The information we gather depends on how you interact with us. Below is an overview of the data we may collect:

  • Personal Information: This includes your full name, date of birth, gender, marital status, nationality, and contact details such as your email address, phone number, and residential or business address. For example, when you apply for a business loan, we need your name and contact details to process your application.
  • Financial Information: To assess your eligibility for services like business loans or credit lines, we may collect details such as your income, bank account statements, credit history, financial statements, tax returns, and business turnover. This helps us evaluate your financial health and offer suitable solutions.
  • Identification Documents: We collect government-issued identification documents to verify your identity, as required by law. This may include your Aadhaar number, PAN card, Voter ID, passport, or business registration documents like GST certificates or incorporation certificates.
  • Business Information: For B2B clients, we may collect details about your business, such as its legal structure (sole proprietorship, partnership, or private limited company), industry type, years of operation, and annual turnover. This helps us tailor our services to your business needs.
  • Website Usage Data: When you visit our website, we may collect information about your browsing behavior, such as your IP address, browser type, device information, pages visited, and time spent on our site. This data is collected using cookies and similar technologies to improve your online experience.
  • Communication Data: If you contact us via email, phone, or in person, we may retain records of our correspondence, including any information you share, to assist you better and maintain a history of our interactions.
  • Third-Party Information: In some cases, we may receive information about you from third parties, such as credit bureaus (to check your credit score) or business partners, to help us evaluate your eligibility for our services.

 

We ensure that all data collection is lawful, necessary, and aligned with the purpose of providing our financial services.

How We Collect Your Information

We collect your information through various methods, depending on how you interact with us:

  • Direct Interactions: When you apply for a business loan, credit line, or other services, you provide us with personal and financial details through application forms, emails, phone calls, or in-person visits to our Kolkata office.
  • Website Forms: Our website includes forms for loan applications, inquiries, or contact requests. When you fill out these forms, we collect the information you provide, such as your name, email, and business details.
  • Cookies and Analytics Tools: We use cookies and similar technologies to collect website usage data. Cookies help us understand how you navigate our site, allowing us to enhance your experience. You can manage cookie preferences through your browser settings.
  • Third Parties: We may receive information from credit bureaus, financial institutions, or business partners as part of our due diligence process. For example, we may obtain your credit report to assess your eligibility for a loan.
  • Public Sources: In some cases, we may collect publicly available information, such as business registration details, to verify your identity or business legitimacy.

We ensure that all collection methods comply with applicable laws, including the Information Technology Act, 2000, and RBI regulations.

How We Use Your Information

We use your information to provide our financial services, improve our operations, and comply with legal obligations. Here’s how we utilize the data we collect:

  • To Provide Services: Your personal and financial information is used to process applications for business loans, credit lines, taxation planning, investment trading, and financial analysis. For example, we use your bank statements to assess your eligibility for a loan.
  • To Verify Identity: We use identification documents to verify your identity and comply with Know Your Customer (KYC) norms mandated by the RBI.
  • To Communicate with You: We use your contact details to send updates about your application status, loan disbursal, repayment schedules, or new services that may interest you. For instance, we may email you to confirm your loan approval.
  • To Improve Our Services: Website usage data helps us understand how users interact with our site, allowing us to enhance its functionality and user experience. For example, if we notice many users abandon a form, we may simplify it.
  • To Manage Risk: We analyze financial information to assess credit risk and ensure responsible lending practices, protecting both you and our business.
  • To Comply with Legal Obligations: As an NBFC, we are required to maintain records, report to regulatory authorities, and comply with anti-money laundering (AML) and counter-terrorism financing (CTF) laws. Your data helps us meet these requirements.
  • For Marketing Purposes: With your consent, we may use your contact details to share promotional offers, updates, or newsletters about our services. You can opt out of marketing communications at any time.

We do not use your information for purposes beyond what is necessary to fulfill these objectives.

How We Protect Your Information

Protecting your data is a top priority at Everlight Holdings. We implement robust security measures to safeguard your personal and financial information:

  • Data Encryption: We use encryption technologies, such as SSL (Secure Sockets Layer), to protect data transmitted through our website, ensuring it remains secure from unauthorized access.
  • Access Controls: Only authorized personnel have access to your data, and they are trained to handle it confidentially. Access is restricted to what is necessary for their roles.
  • Secure Storage: Your information is stored on secure servers with firewalls and other protective measures to prevent unauthorized access, loss, or theft.
  • Regular Audits: We conduct regular security audits and updates to ensure our systems remain protected against emerging threats.
  • Compliance with Laws: Our data protection practices comply with the Information Technology Act, 2000, and other applicable regulations in India, ensuring we meet legal standards for data security.

 

Despite these measures, no system is entirely risk-free. In the unlikely event of a data breach, we will notify affected users and relevant authorities as required by law.

Sharing Your Information

We do not sell or rent your personal information to third parties. However, we may share your data in the following circumstances:

  • With Service Providers: We may share your information with trusted third-party service providers who assist us in delivering our services, such as credit bureaus for credit checks or IT providers for website maintenance. These providers are bound by confidentiality agreements.
  • For Legal Compliance: We may disclose your information to regulatory authorities, such as the RBI, or law enforcement agencies if required by law or to comply with legal processes, such as audits or investigations.
  • With Business Partners: In some cases, we may share limited information with financial institutions or partners to facilitate services like loan processing, but only with your consent.
  • During Business Transitions: If Everlight Holdings undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of such changes and ensure your data remains protected.

 

We ensure that any third party we share your data with adheres to strict confidentiality and data protection standards.

Your Rights Regarding Your Information

We respect your rights over your personal information. Under Indian laws, including the Information Technology Act, 2000, you have the following rights:

  • Right to Access: You can request access to the personal information we hold about you. We will provide this information in a clear and understandable format.
  • Right to Correction: If any of your information is inaccurate or incomplete, you can request corrections. For example, if your address has changed, you can ask us to update it.
  • Right to Deletion: You can request the deletion of your data, subject to legal and regulatory requirements. For instance, we may need to retain certain records for RBI compliance.
  • Right to Opt-Out: You can opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails.
  • Right to Restrict Processing: You can request that we restrict the use of your data in certain circumstances, such as while a correction request is being processed.

To exercise these rights, please contact us at everlightnbfc@gmail.com or +91 78388 01660. We will respond to your request within 30 days, as required by law.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. Cookies are small files stored on your device that help us understand how you use our site. Here’s how we use them:

  • Essential Cookies: These are necessary for the website to function, such as enabling you to fill out forms or log in securely.
  • Analytics Cookies: These help us track website performance, such as which pages are most visited, so we can improve user experience.
  • Marketing Cookies: With your consent, we may use cookies to deliver personalized ads or track the effectiveness of our marketing campaigns.

 

You can manage cookie preferences through your browser settings. However, disabling essential cookies may affect your ability to use certain features of our website.

Data Retention

We retain your information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. For example:

  • Personal and financial data related to loan applications may be retained for up to 7 years to comply with RBI record-keeping requirements.
  • Website usage data, such as IP addresses, may be retained for up to 1 year for analytics purposes.
  • Communication records, like emails, may be kept for 5 years to ensure continuity of service.

 

Once the retention period expires, we securely delete or anonymize your data to prevent unauthorized use.

International Data Transfers

Everlight Holdings Pvt Ltd primarily operates within India, and your data is stored on servers located in India. However, if we need to transfer your data outside India (e.g., to a cloud service provider), we will ensure that the recipient country has adequate data protection laws or that the transfer complies with Indian regulations, such as the Information Technology Act, 2000. We will also implement safeguards, such as contractual agreements, to protect your data during the transfer.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or services. When we make updates, we will revise the “Last Updated” date at the top of this page and notify you via email or a notice on our website. We encourage you to review this policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please reach out to us:

  • Email: everlightnbfc@gmail.com
  • Phone: +91 78388 01660
  • Address: 6 Brabourne Road, 4th Floor, Kolkata, West Bengal 700001
  • Operating Hours: Monday to Saturday, 9:45 AM to 6:30 PM

We are here to assist you and ensure your privacy is protected at all times.

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