Privacy & Data Protection
Learn how we handle data, ensure digital consent, and comply with information security regulations.
1. Consent-Based Data Acquisition
At WaqtFintech, data integrity and compliance form the cornerstone of our operations. We strictly deliver consent-based leads.
Every prospect profile we package includes complete validation tokens (timestamps, IP validation metadata, and recorded verification records) confirming their intent to be contacted for financial services. We never purchase or sell unauthorized list databases.
2. Compliance and Filtering
All leads are actively filtered against the National Customer Preference Register (NCPR) / National Do Not Call (NDNC) lists prior to delivery.
We take active measures to ensure that our NBFC, bank, and brokerage partners receive leads in compliance with relevant directives issued by regulatory bodies like TRAI and RBI.
3. Lead Delivery Security
Client database exports (CSV/JSON/CRM APIs) are encrypted in transit and at rest. We enforce access control policies to ensure that lead directories are accessed only by authorized personnel of our purchasing partners.
Lead details are permanently purged from our active distribution servers within 90 days of generation to limit database footprints and enhance security.
4. Right to Erasure & Access Procedures
Under the Digital Personal Data Protection (DPDP) Act, you possess the right to seek correction, completion, or erasure of your personal data shared with us. If you wish to revoke your consent, you can submit an official request to our Data Protection Officer at privacy@waqtfintech.com.
Upon request validation, WaqtFintech will purge your active records from our routing systems within 30 operational business days and notify partner lenders to cease further processing.
5. Credit Bureau Soft-Pull Consent Terms
To display customized loan offers and match you with correct interest rates, our platform queries authorized credit bureaus (such as Experian or CRIF High Mark) to retrieve eligibility insights.
This check is executed as a **soft pull** inquiry. Unlike a hard pull initiated by direct bank applications, our eligibility search has absolutely **zero impact** on your active credit score rating or history.
6. NBFC Referral Partners & Data Handling
WaqtFintech operates exclusively as a digital lending agent and referral platform. We securely package and transfer consumer application details to our RBI-regulated NBFC and bank partners.
Once your data is transmitted, it becomes subject to the respective partner's privacy policy. Our partners are contractually bound to maintain strict confidentiality and utilize the information solely for credit assessment purposes.
Privacy & Security FAQ
