NiveshSetu ("we", "our", or "us") operates as a digital financial services marketplace and authorized marketing partner (DSP/DSA), not a bank, NBFC, or financial institution. We are committed to protecting the privacy of individuals who visit our website at niveshsetu.com ("Platform"). This Privacy Policy explains how we collect, use, store, and protect your personal information in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and applicable Indian data protection regulations.

1. About NiveshSetu

NiveshSetu is a digital financial services marketplace and authorized marketing partner (DSP/DSA). We provide financial product comparison, customer education, and lead facilitation services to help users discover and connect with suitable financial products. We do not lend money, issue credit cards, underwrite insurance, or manage investments. All financial products featured on our Platform are offered and managed by their respective RBI-regulated banks, SEBI-registered fund houses, and IRDAI-licensed insurance companies ("Partner Institutions"). NiveshSetu earns referral and marketing commissions from Partner Institutions for facilitating customer connections — we do not charge any fees to users.

2. Information We Collect

Personal Information: When you fill out our contact or enquiry forms, we may collect your full name, email address, phone number, and details about the financial services you are interested in (such as credit cards, loans, mutual funds, or insurance).

Usage Information: We automatically collect certain technical data when you visit our Platform, including your IP address, browser type and version, device type, operating system, pages visited, time spent on each page, referring URLs, and interaction patterns. This data is collected through cookies and similar tracking technologies.

3. How We Use Your Information

We use the information we collect to: (a) respond to your enquiries and provide information about our financial products and services; (b) connect you with appropriate banks, NBFCs, insurance providers, and mutual fund distributors; (c) improve and personalise your experience on our Platform; (d) send you relevant financial product updates, educational content, and promotional communications (only with your explicit consent); (e) analyse Platform usage to improve our services; and (f) comply with applicable legal obligations.

4. Communication Consent

By submitting your contact details through our forms and checking the consent checkbox, you expressly agree to receive communications from NiveshSetu via RCS (Rich Communication Services), SMS, WhatsApp, Email, phone calls, and other electronic communication channels. These communications may include service updates, financial product information, promotional offers, and educational content. You may withdraw your consent and opt out of receiving such communications at any time by contacting us at info@niveshsetu.com or by following the unsubscribe instructions provided in our messages.

5. Cookies & Tracking Technologies

Our Platform uses cookies, web beacons, and similar technologies to enhance your browsing experience, analyse site traffic, and understand usage patterns. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of certain features on our Platform.

6. Sharing of Information

We do not sell your personal information to third parties. As part of our DSP/lead generation role, we may share your information with: (a) partner banks, NBFCs, insurance companies, and other financial institutions solely to facilitate the specific services you have requested — for example, forwarding your enquiry details to a Partner Institution so they can process your application or respond to your query; (b) service providers who assist us in operating our Platform (such as hosting, analytics, and communication services); and (c) regulatory or legal authorities when required by law, court order, or government regulation. Data shared with Partner Institutions is limited to the information necessary to fulfil your request, and all third parties with whom we share data are contractually required to maintain the confidentiality and security of your information.

7. Data Security

We implement reasonable technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction, in accordance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your personal information only for as long as is necessary to fulfil the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce our agreements. When your data is no longer required, it will be securely deleted or anonymised.

9. Your Rights

You have the right to: (a) access the personal information we hold about you; (b) request correction of inaccurate or incomplete data; (c) request deletion of your personal data, subject to legal requirements; and (d) withdraw consent for communications at any time. To exercise any of these rights, please contact us at the details provided below.

10. Third-Party Links

Our Platform may contain links to external websites of banks, financial institutions, and other third parties. We are not responsible for the privacy practices or content of these external websites. We encourage you to review the privacy policies of any third-party site you visit through links on our Platform.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. The updated policy will be posted on this page with a revised "Last Updated" date. We encourage you to review this page periodically.

12. Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made thereunder, if you have any grievances regarding the processing of your personal information, you may contact our Grievance Officer: