Finstar Credit Solutions
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Finstar Credit Solutions

Privacy Policy

PRIVACY POLICY

Effective Date: 4 August 2026
Last Updated: 4 August 2026

  1. INTRODUCTION

This Privacy Policy explains how Netranand Meshram, operating under the business name “Finstar Credit Solutions” (“Finstar”, “we”, “us” or “our”), collects, uses, stores, shares and protects personal information when you:

  • visit https://finstarcreditsolutions.com;
  • submit a loan enquiry or eligibility form;
  • use our EMI calculator or other website tools;
  • communicate with us by telephone, email, WhatsApp or another channel; or
  • request assistance regarding a loan product.

Finstar Credit Solutions is an independent loan advisory and facilitation service. We are not a bank, non-banking financial company (“NBFC”) or lender. Loan approval, eligibility, interest rates, fees, terms, documentation requirements and disbursement decisions are determined solely by the relevant bank, NBFC or other regulated lender.

By submitting information through our website or contacting us, you acknowledge that you have read this Privacy Policy.

  1. WHO OPERATES THIS WEBSITE

Business name: Finstar Credit Solutions

Legal proprietor/entity:
Netranand Meshram

Business/service address:
3/1 indurlok society 

Panchshil Chowk 

Tadiwala road 

Next to Nanda Deep hotel 

Pin code – 411001
Pune, Maharashtra, India

Business email:
finstarcreditsolutions@gmail.com

Business telephone:
+91 98231 89034

WhatsApp Business:
+91 98347 47218

Website:
https://finstarcreditsolutions.com

  1. INFORMATION WE MAY COLLECT

3.1 Information submitted through enquiry forms

Depending on the service requested, we may collect:

  • full name;
  • mobile number;
  • email address;
  • city or service location;
  • loan product required;
  • requested loan amount;
  • employment type;
  • monthly income;
  • existing monthly EMI obligations;
  • preferred callback time;
  • information included in your enquiry or message;
  • your communication and marketing consent; and
  • the date and time of your submission.

3.2 Information provided during follow-up communication

When you communicate with us by telephone, WhatsApp, email or another verified channel, we may collect additional information reasonably required to understand your loan requirement and assist you.

This may include information about your employment, income, financial commitments, property, loan history, preferred lender or requested service.

3.3 Documents

Please do not submit Aadhaar numbers, PAN numbers, passwords, OTPs, bank account credentials, debit or credit card details, bank statements, salary slips, identity documents or property documents through the general website enquiry form.

Where documents are required at a later stage, they should be requested separately through an authorised channel for a specific and clearly explained purpose.

Never share passwords, PINs, CVVs or OTPs with Finstar, its representatives or any lender representative.

3.4 Technical and website information

When you use our website, our hosting, security, analytics and website systems may automatically process limited technical information, such as:

  • IP address;
  • browser and device type;
  • operating system;
  • pages visited;
  • referral source;
  • date and time of access;
  • cookie identifiers;
  • security and error logs; and
  • general website interaction information.

Where analytics or advertising tools are enabled, additional information may be processed in accordance with our Cookie Policy and the relevant provider’s privacy terms.

  1. PURPOSES FOR WHICH WE USE INFORMATION

We may use personal information to:

  • respond to your enquiry;
  • contact you at your preferred time;
  • understand your loan requirement;
  • conduct a preliminary eligibility or suitability discussion;
  • identify potentially relevant loan products or lender options;
  • assist with documentation and application coordination;
  • communicate with banks, NBFCs or authorised partners where you have requested such assistance;
  • provide status updates and customer support;
  • maintain records of enquiries and communications;
  • prevent spam, fraud, misuse and security incidents;
  • operate, secure and improve our website;
  • comply with legal, regulatory, contractual or law-enforcement requirements;
  • establish, exercise or defend legal claims; and
  • send educational, service or promotional communications where you have consented to receive them.

An online EMI calculation, eligibility indication or preliminary discussion is illustrative only. It is not a loan sanction, approval, offer or commitment.

  1. CONSENT AND COMMUNICATION PREFERENCES

Where we rely on your consent, the consent request will explain the information being requested and its intended purpose.

By selecting the consent checkbox and submitting an enquiry, you authorise Finstar to contact you regarding that enquiry through telephone, SMS, email and WhatsApp.

Consent to receive promotional or marketing communications is voluntary and may be withdrawn at any time.

You may withdraw communication consent by:

  • replying “STOP” to an applicable message;
  • sending a WhatsApp message to our verified business number;
  • emailing finstarcreditsolutions@gmail.com; or
  • contacting the Grievance Officer listed below.

Withdrawal will not affect processing already carried out lawfully before the withdrawal. We may retain limited records where necessary for legal compliance, dispute management, fraud prevention or proof of consent.

  1. SHARING OF PERSONAL INFORMATION

6.1 Banks, NBFCs and lending partners

Where you request loan assistance, we may share relevant enquiry information with one or more banks, NBFCs, regulated lenders, authorised intermediaries or service partners for:

  • evaluating available loan options;
  • contacting you regarding the requested product;
  • obtaining or communicating indicative terms;
  • assisting with an application; or
  • completing documentation and processing.

We will share only information reasonably required for the requested purpose.

Once information is shared with a lender or authorised partner, that organisation may process it under its own privacy policy, legal obligations and underwriting procedures.

Finstar does not control the lender’s credit decision.

6.2 Technology and service providers

We may use service providers for:

  • website hosting;
  • email delivery;
  • website security and backups;
  • enquiry management;
  • analytics;
  • customer communication;
  • cloud storage;
  • technical support; and
  • legal, accounting or professional advice.

Such providers may process information only for the services they provide to us and subject to applicable confidentiality, contractual and legal requirements.

6.3 WhatsApp and other communication platforms

When you contact us through WhatsApp or another third-party platform, that platform may independently process information according to its own privacy policy and terms.

Do not use WhatsApp to send passwords, OTPs, PINs, card-security codes or online-banking credentials.

6.4 Legal requirements

We may disclose information where reasonably necessary to:

  • comply with applicable law, regulation, court order or lawful government request;
  • prevent, investigate or respond to fraud or cyber incidents;
  • protect the rights, safety or property of Finstar, users or another person; or
  • establish, exercise or defend legal claims.

6.5 Sale of information

We do not sell personal information as an independent commodity.

This does not prevent us from sharing information with selected lenders or authorised partners where necessary to provide the loan-advisory service requested by you.

  1. DATA MINIMISATION

We aim to collect only information reasonably necessary for the stated purpose.

You should not provide information that has not been requested or that is unrelated to your loan enquiry.

  1. DATA RETENTION

We retain personal information only for as long as reasonably necessary for:

  • responding to and managing your enquiry;
  • providing the requested advisory or facilitation service;
  • maintaining consent and communication records;
  • complying with legal, contractual, tax, audit or regulatory requirements;
  • preventing fraud and maintaining security; and
  • resolving disputes or legal claims.

Inactive or unconverted enquiry records may ordinarily be reviewed for deletion or anonymisation after 24 months from the last meaningful interaction, unless:

  • you have requested ongoing follow-up;
  • an application or dispute remains active;
  • retention is required by law, lender requirements or contractual obligations; or
  • retention is reasonably necessary for security, fraud prevention or legal claims.

When information is no longer required, we may securely delete, anonymise or restrict it, subject to technical backup cycles and legal requirements.

  1. DATA SECURITY

We use reasonable administrative, technical and organisational measures designed to protect personal information from unauthorised access, alteration, loss, misuse or disclosure.

These measures may include:

  • SSL/TLS website encryption;
  • restricted administrative access;
  • security monitoring and firewall tools;
  • software and plugin updates;
  • access controls;
  • backups;
  • spam and malware protection; and
  • limiting access to persons who require the information for a legitimate business purpose.

No website, email system, cloud service or electronic transmission method can be guaranteed to be completely secure. You should use caution when sending personal or financial information electronically.

  1. YOUR CHOICES AND REQUESTS

Subject to applicable law and reasonable identity verification, you may request that we:

  • confirm whether we hold your personal information;
  • provide a summary of information held about you;
  • correct inaccurate or incomplete information;
  • update your contact details;
  • stop promotional communication;
  • withdraw consent for consent-based processing;
  • delete information that is no longer required; or
  • explain how your information has been used or shared.

A deletion request may not result in immediate or complete deletion where retention is required by law, necessary for an active service, needed to resolve a dispute or required for security and fraud-prevention purposes.

Submit requests to:

Email: finstarcreditsolutions@gmail.com
Subject: Privacy Request

Telephone: +91 98231 89034
WhatsApp: +91 98347 47218

We may ask for reasonable information to verify your identity before acting on a privacy request.

  1. GRIEVANCE REDRESSAL

Grievance Officer:

Name:
Mr. Netranand Meshram

Business:
Finstar Credit Solutions

Address:
3/1 indurlok society 

Panchshil Chowk 

Tadiwala road 

Next to Nanda Deep hotel 

Pin code – 411001
Pune, Maharashtra, India

Email:
finstarcreditsolutions@gmail.com

Telephone:
+91 98231 89034

Please use the email subject:

“Privacy Grievance – Finstar Credit Solutions”

We will acknowledge and review privacy complaints in a reasonable and time-bound manner and aim to resolve them within 30 days, subject to the nature and complexity of the request.

  1. CHILDREN’S DATA

Our loan-advisory services are intended for persons who are at least 18 years old.

We do not knowingly solicit loan enquiries from children. Where we learn that personal information was submitted by a child without valid parental or guardian involvement, we may delete or restrict that information as appropriate.

  1. COOKIES AND ANALYTICS

Our website may use:

  • essential cookies required for website operation and security;
  • preference cookies;
  • analytics cookies; and
  • marketing cookies, where separately enabled.

Non-essential cookies should be used according to your preferences and our Cookie Policy.

You may control cookies through your browser or any cookie-consent tool made available on the website. Disabling some cookies may affect website functionality.

  1. THIRD-PARTY WEBSITES

Our website may contain links to banks, NBFCs, WhatsApp, Google Maps, social-media services or other third-party websites.

We are not responsible for the privacy, security, accuracy or content practices of independent third parties. You should review their privacy policies before submitting information to them.

  1. INTERNATIONAL OR CROSS-BORDER PROCESSING

Some technology, hosting, email, communication or analytics service providers may process information in India or in other jurisdictions.

Where a cross-border transfer occurs, we will take reasonable steps to use providers and safeguards consistent with applicable Indian law and any government restrictions in force at the relevant time.

  1. SECURITY INCIDENTS

If we become aware of a personal-data breach or security incident, we will take reasonable steps to:

  • investigate and contain the incident;
  • reduce possible harm;
  • restore security;
  • preserve relevant records; and
  • notify affected individuals or competent authorities where required by applicable law.
  1. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy when:

  • our services change;
  • new technology or service providers are introduced;
  • our lender relationships or data practices change; or
  • applicable legal or regulatory requirements change.

The revised policy will be published on this page with an updated “Last Updated” date.

Material changes may also be communicated through the website, email or another appropriate channel.

  1. CONTACT US

For questions regarding this Privacy Policy or our handling of personal information, contact:

Finstar Credit Solutions
Netranand Meshram
3/1 indurlok society 

Panchshil Chowk 

Tadiwala road 

Next to Nanda Deep hotel 

Pin code 411001
Pune, Maharashtra, India

Email: finstarcreditsolutions@gmail.com
Telephone: +91 98231 89034
WhatsApp: +91 98347 47218
Website: https://finstarcreditsolutions.com