Privacy Policy for Airtel Finance
We at Xtelify Limited (“Airtel/We/Our/Us”) are committed to protect our customers Personal Information and shall strive to maintain the privacy of your Personal Information.
This Privacy Policy (“Policy”) describes the treatment of your Personal Information for facilitating various financial products offered by our lending partners (‘Services’) on Airtel Thanks mobile application/website (‘Platform’).
By visiting our Platform, you agree and acknowledge to be bound by the terms of this Policy.
For the purposes of this Policy, Personal Information shall mean any information that relates to a natural person, which can be used by itself to uniquely identify, contact, or locate a person, or can be used with information available from other sources to uniquely identify an individual.
What Personal and Sensitive Personal Information we collect?
For the purposes of facilitating Services, we may collect your following Personal Information: • Personal Details: Full name, date of birth, gender, email, mobile, PAN, marital status, father’s & mother’s name, current and permanent address. • Employment & Income details: Employment/ profession type, employer/ company name, industry, registration type, individual & household income, office address. • Bank Details: Bank account number, IFSC code, Bank name. In addition, we may also take one-time access to certain features of your mobile phone like camera, microphone, location or any other facility, necessary for the purposes of on-boarding/ KYC performed by lending partners. Further we collect and analyze mobile SMS data (without storing personal messages and One Time Passwords); gather and store device details, installed application details and network location data for data analytics to facilitate enhanced financial offers. However, we do not collect or store any biometric data.
How we use your Personal Information?
We may use, collect, store, process and transfer your Personal Information for multiple purposes, that may include but not limited to:
• Facilitate your application to avail loan from our lending partners. • Undertake marketing services and display customized content. • Comply with laws and requests received from government bodies or courts. • Maintain and improve our products and services. • Administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations. • To send you communication, through SMS, Voice Call, IVR or any third-party messaging platform, in relation to your use of the Platform or Services. • To undertake research and analytics for mitigating frauds.
How we share your Personal Information
Subject to your explicit consent, we may share your Personal Information with our lending partners offering financial products, with government authorities and courts in compliance to their directions, with our group companies to provide you suitable promotional offers, and with any third party to perform surveys measuring your experiences and use of our services. Such sharing shall be in accordance with the above mentioned purposes and subject to appropriate confidentiality and security requirements.
At any point in time you may choose to deny/revoke consent for use of your Personal Information or restrict disclosure to third parties with respect to a particular service by sending an email to nodalofficer.loans@airtel.com. The email should mention your mobile number with request for consent revocation. The consent revocation will happen within 30 days of your request. However, we will not be able to facilitate requests for the revocation of your data, if there is an active loan or service being availed by you or it is prohibited by legal and regulatory obligations or in accordance with applicable laws, which may require us to store data for longer periods of time.
Data Retention and Destruction
We shall store and retain your Personal Information – in India as per requirements laid down in applicable laws and regulatory requirements – till you continue to take our Services or as per any requirement under applicable laws and regulations. We shall delete your Personal Information upon your request, provided there is no active loan or service being availed by you or if your Personal Information is required to be retained due to applicable laws or any regulatory requirement.
Customer also authorize Xtelify Limited to collect and store the work details, income details, PAN Card details, Gender, DOB and Bank details captured for NACH set-up for processing for Personal Loan offers and further authorize Xtelify Limited to share this with Lending Partners for issuance of the Personal Loan facility and services associated with it. This information would be stored only till the end of the loan lifecycle plus six months.
“At any point in time, you may choose to unsubscribe/stop receiving offers from Airtel by sending an email to nodalofficer.loans@airtel.com. for loans or nodalofficer.instaemicard@airtel.com for Insta EMI Card. The email should mention your mobile number with request for data deletion. The data deletion will happen within 30 days of your request.
Third Party Links
Our Platform may display links to third party websites/applications that we cannot control and cannot be held responsible for the activities of such websites.
Use of Cookies
Airtel uses cookies and beacons to assist in delivering the Services and to provide a positive and personalized user experience. Cookies are files sent to your browser from a web server and stored on your computer’s hard drive. Our persistent and session ID cookies are used to identify unique visitors and to provide a personalized user experience. Beacons are bits of code that function similar to cookies. Our beacons are embedded in outgoing emails and generate a call back to the Airtel server when such emails are opened. Airtel uses beacons to track the status of sent emails. If you do not wish to receive cookies, you may disable them.
Security
Airtel has implemented adequate and industry accepted processes in compliance with applicable laws, designed to protect Personal Information and maintain security. It is your responsibility to protect the security of your login information. Airtel’s servers are located in secure environments. Firewalls and other advanced security technologies are employed to prevent interference or access from outside intruders. These safeguards help prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of data. While we observe reasonable security measures to protect your Personal Information on all our digital platforms and internet connections, security risks may still arise for reasons outside of our control such as hacking, virus disseminations, force majeure events, breaches of firewall and secure server software etc.
Policy Review & Updates
Airtel reserves the right to modify/update this Policy and any changes to this policy, shall be posted on this page.
Details of Lending Partners/ Service Providers
– IDFC First bank – Money View (WhizDM Innovations Pvt. Ltd.) – DMI finance – Axis Bank – Kisetsu Saison Finance India Private Limited (Credit Saison) – EarlySalary Services Private Limited (Fibe) – Bajaj Finance Limited
Grievance Redressal
Nodal Grievance Redressal Officer
In case of any feedback or concern or request please reach out to our Nodal Grievance Redressal Officer for Digital Lending
Mr. Nitin Grover
Designation: Nodal Grievance Redressal Officer
Email: nodalofficer.loans@airtel.com for loans or nodalofficer.instaemicard@airtel.com for Insta EMI Card or nodalofficer.insurance@airtel.com for insurance.
Contact: +91-124-4243939
Address: Airtel Center, Plot no. 16, Udyog Vihar Phase IV, Gurgaon – 122015
Grievance Redressal for Axis Bank
Personal loan customers can connect to the bank through calls, email or by visiting branch/loan centres. Axis bank has set a maximum 10 days response time period and if the concerned customer is dissatisfied with the response received, he/she can escalate the complaint to Level 2.
- Level 1 – Front End Channels
- Contact number: 1860-419-5555/1860-500-5555
- Complaint Registration: https://application.axisbank.co.in/webforms/axis-support/index.aspx
- Branches/Loan Centres: Customers can visit the “Locate Us” section of the website (www.axisbank.com) to get the details of the nearest branch or loan centre)
- Level 2 – Circle Nodal Officer/Nodal Officer at HOThe concerned customer can communicate with Nodal officers of the bank if he/she is not satisfied with the solution provided at Level 1. The bank claims to reply within 10 days and if the response received is unsatisfactory, he/she can escalate the matter to Level 3.The customer can send an email/write a letter/call the Nodal Officer:
WRITE
EMAIL
CALL
Mr Ashish Rajput, Assistant Vice President, Axis Bank Limited, NPC1, 5th Floor, Gigaplex, Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708
nodal.officer@axisbank.com 
Contact No.- 080 61865200 Timings: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays)
- Level 3 – Principal Nodal OfficerIf the concerned customer still feels dissatisfied with the solution provided at Level 2, he/she can connect with the bank’s Principal Nodal Officer using the below-mentioned channels.
Write
Email
Call
Ms. Deepti Radkar , Senior Vice President – II , 7th Floor, Axis House, Wadia International Center P.B. Marg, Worli, Mumbai – 400 025
pno@axisbank.com
Contact No.- 080-61865200 Timings: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays)
If your query/complaint is not addressed/resolved within 30 days, you can lodge a complaint over the Complaint Management System (CMS)4 portal under the Reserve Bank-Integrated Ombudsman Scheme (RB-IOS)5
Grievance Redressal for Kisetsu Saison Finance India Private Limited (Credit Saison)
Officer Name- Ms. Preethi Nair
Contact: 9962003070
Grievance Redressal process: https://regulatory.creditsaison.in/grievance-redressal-policy
Email: grievance@creditsaison-in.comorpreethi.nair@creditsaison-in.com
Address: IndiQube Lexington Tower, First Floor, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029
Grievance Redressal for Moneyview (WhizDM Innovations Pvt. Ltd.)
Officer Name- Mr. Venkatraman Narayan
Email: grievance@moneyview.in
Address: No. 17, 3rd Floor, Survey, 1A, Dr Puneeth Rajkumar Rd, Kadubeesanahalli, Bellandur, Bengaluru, Karnataka 560087
Contact: +91-8045692002
Timings: 9:00AM to 6:00PM (Monday to Friday)
Grievance Redressal for DMI finance
Officer Name- Ashish Sarin
Designation Senior Vice President – Customer Success
Email: head.services@dmifinance.in / grievance@dmifinance.in
Address: Express Building, 3rd Floor, 9-10, Bahadur Shah Zafar Marg, New Delhi-110002
Contact: 011-41204444
Grievance Redressal for EarlySalary Services Private Limited
Officer Name- Mr. Amit Nosina
Designation Grievance Redressal Officer
Email: grievance@earlysalary.com
Contact: 020-67639797
Address: 404, The Chambers, Viman Nagar, Pune – 411014
Grievance Redressal for Bajaj Finance Limited
If the resolution provided by BFL customer service team doesn’t meet your expectation, you may approach BFL Grievance Redressal Officer Mr. Ganesh Iyer. You can write an email to grievanceredressalteam@bajajfinserv.in or call BFL on 022 41803901 (call charges applicable). This number is operational on all working days from Monday to Friday between 9:30 AM to 5:30 PM. Alternatively, you can reach the Principal Nodal Officer click here.
If your issue/ escalation remains unresolved or you haven’t received response within 30 days of lodging an issue/ escalation, click here to approach the Ombudsman. The Ombudsman Officer is appointed by Reserve Bank of India.
For Grievance Redressal policy of BFL, click below:
https://www.bajajfinserv.in/grievance-redressal
Grievance Redressal for ICICI Lombard General Insurance
To register your compliant/service request or for more details on insurance grievance redressal, please visit https://www.icicilombard.com/grievance-redressal
Level 1:
Officer Name: Sandeep D
Designation: AVP Customer Support
Level 2:
Officer Name: Pooja R
Designation: VP Customer Support and Grievance Redressal Officer
For all your service requests and grievances, e-mail ICICI Lombard at
customersupport@icicilombard.com or call toll free at 1800 2666
