Privacy Policy

Last updated: 31 July 2026 · Applicable to Adarsh Capital, a brand of Uni-Com Fincorp Private Limited

This Privacy Policy explains how Uni-Com Fincorp Private Limited ("Uni-Com Fincorp Private Limited", "Adarsh Capital", "we", "us", "our"), an NBFC registered with the Reserve Bank of India (RBI), collects, uses, stores and protects your personal information when you visit this website or apply for a loan through our platform.

1. Information We Collect

  • Identity information: name, date of birth, PAN, Aadhaar (with your explicit consent), photograph
  • Contact information: mobile number, email address, residential address
  • Financial information: income details, bank statements, credit bureau reports, existing liabilities
  • Employment/business information: employer details or business registration documents
  • Device and usage information: IP address, browser type, pages visited, cookies (see our Cookie Policy)

We collect only the information necessary to assess your loan application and do not access your phone contacts, photo gallery, call logs or SMS without your specific, informed consent, in line with RBI's Digital Lending Guidelines.

2. How We Use Your Information

  • To verify your identity and assess loan eligibility and creditworthiness
  • To process, disburse and service your loan account
  • To communicate updates regarding your application, repayment schedule or account
  • To comply with RBI, KYC/AML and other statutory or regulatory requirements
  • To improve our website, products and customer support

3. Sharing of Information

We may share your information with:

  • Credit information companies (e.g. CIBIL, Experian) as required by law
  • Regulatory and government authorities, where legally required
  • Verification, collection or technology service partners bound by confidentiality obligations

We do not sell your personal information to third parties for marketing purposes.

4. Data Storage and Security

Your data is stored on secure servers with encryption in transit and at rest, access controls and regular security reviews. Details of our technical and organisational safeguards are available in our Data Security Policy.

5. Data Retention

We retain your personal data for as long as required to service your loan and thereafter for the period mandated by RBI and applicable law for record-keeping purposes, after which it is securely deleted or anonymised.

6. Your Rights

  • Right to access and obtain a copy of your personal data held by us
  • Right to request correction of inaccurate or incomplete data
  • Right to withdraw consent for optional data processing (subject to impact on loan servicing)
  • Right to raise a grievance regarding data handling, per our Grievance Redressal Policy

7. Cookies

Our website uses cookies to improve functionality and analyse usage. See our Cookie Policy for details.

8. Changes to this Policy

We may update this Privacy Policy periodically. Material changes will be notified on this page with an updated "last updated" date.

9. Contact Us

For privacy-related queries, write to support@adarshcapital.co or refer to our Contact Us page.