Privacy Policy

1. Company Information

• Legal Name: HBPL Financial Services Pvt. Ltd.
• CIN: U66190WB2024PTC270673
• GSTIN: 19AAHCH3546G1ZG
• Registered Office: Jalpaiguri, West Bengal, India

HBPL Financial Services Pvt. Ltd. is a loan assistance and financial services company. We do not provide loans directly and do not charge any fees from customers.

2. Nature of Our Services

HBPL provides Smart Loan Assist services, which include:

• Helping customers understand loan options
• Supporting eligibility assessment
• Assisting customers to move forward with clarity

All loan approvals, interest rates, terms, and disbursements are solely decided by the respective bank or NBFC as per their internal policies.

3. Information We Collect

We may collect the following information when you submit a form or interact with our website:

• Full name
• Mobile number
• Email address
• City / location
• Loan requirement details
• Basic professional or financial information required for eligibility understanding

We do not collect:

• Bank login credentials
• Debit or credit card details
• OTPs, passwords, or sensitive authentication data

4. How We Use Your Information

We use your information strictly for transparent and lawful purposes, including:

• To contact you for free loan assistance
• To understand your requirements and provide suitable guidance
• To share information with banks or NBFCs only after your consent
• To improve our services and customer experience

5. Consent & Communication

By submitting your information on our website, you provide explicit consent to be contacted by HBPL via phone, SMS, email, or WhatsApp only for service-related communication.

• No unsolicited communication
• No spam or misleading messages
• Opt-out available at any time

6. DND & Communication Compliance

HBPL follows a strict consent-based communication policy:

• Users are contacted only after voluntary form submission
• Communication is limited to service-related purposes
• Users may request to stop communication at any time

7. Data Sharing & Disclosure

HBPL does not sell, rent, or trade personal information. Your information may be shared only with:

• Banks or NBFCs for loan processing (with your consent)
• Trusted service partners assisting operations (under confidentiality obligations)
• Legal or regulatory authorities if required by law

8. Data Security

We implement reasonable technical and organizational safeguards to protect your information against:

• Unauthorized access
• Loss or misuse
• Alteration or disclosure

While we take strong measures, no online system can be guaranteed 100% secure.

9. Cookies & Website Analytics

Our website may use cookies or similar technologies to:

• Improve website functionality
• Understand user behavior
• Enhance overall user experience

You may disable cookies through your browser settings.

10. Third-Party Links

Our website may contain links to third-party websites such as banks or NBFCs. HBPL is not responsible for the privacy practices or content of such external websites.

11. Your Rights

You have the right to:

• Access your personal information
• Request correction or deletion
• Withdraw consent for communication

You may exercise these rights by contacting us using the details below.

12. Policy Updates

HBPL may update this Privacy Policy from time to time to reflect changes in laws, regulations, or business practices. Any updates will be posted on this page with a revised date.