We at Xtelify Limited (Formerly known as Airtel Digital Limited) (“Xtelify” /We/Our/Us”) are committed to protecting 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 the third party lending partners (Banks and Non-Banking Financial Companies) (‘Services’) on Airtel Thanks mobile application/website (“Platform”). By visiting Our Platform, You (“You”/”Your”) agree and acknowledge that You are 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.
We collect and process Your Personal Data only to the extent necessary for Us to process Your requirement(s) and in the manner as detailed hereinafter below.
For the purposes of facilitating Services, We may collect and You authorise Us to collect the following Personal Information:
We may and You authorise Us to use, collect, store, process and transfer Your Personal Information for multiple purposes, including but not limited to:
We will and You authorise Us to retain Your data for the period that You continue to be our customer and for such period as required to comply with any obligation under any law currently in force.
Internal Use: We may and You authorise Us to share Your Personal Information for the purposes detailed in this Policy with our group companies.
Transfer to Third Parties: We may share Your Personal information with the lending partners offering financial products as well as with third party service providers associated with Us/acting on Our behalf (as the case may be) for enabling the provision of the products/Services availed by You or providing You with products/Services to better serve your needs and interests and involved in handling, managing, storing, processing, protecting and transmitting information on behalf of Xtelify, including sub-contractors, consultants and/or representatives of the third party, and with any third party to perform surveys measuring Your experiences and use of our Services. Such sharing will always be with entities that are covered by contractual agreements and shall be in accordance with the above-mentioned purposes and subject to appropriate confidentiality and security requirements. The details of our partners/service providers/third parties with whom We may share Your Personal Data on a partial and “need to know” basis are mentioned in the Policy.
Government Agencies: We may also share Your Personal Information without Your consent with Regulatory authorities, Government agencies or other authorised law enforcement agencies in compliance with applicable law.
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 or data deletion request of your personal data by sending an email to nodalofficer.loans@airtel.com for loans and nodalofficer.instaemicard@airtel.com for EMI cards. The email should mention Your mobile number with request for consent revocation or data deletion. The consent revocation or data deletion will be processed within 30 (thirty) 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
You may have received marketing message or messages from Xtelify even if You are not a customer or have never had contact with Us. This may be a result of third-party marketing lists which Xtelify may acquire from time to time, stating that You have given permission to be contacted by other organisations. If You've registered with us to opt out of marketing from Xtelify, You shouldn’t receive such communications.
We shall store and retain Your Personal Information in India as may be required to achieve the purposes for which such information was collected or consented by You and in accordance with applicable laws and regulatory requirements. Your Personal Information shall be retained for a maximum period of eight (8) years from the date it was first obtained by Us or eight (8) years from the date You last accessed or used Our Services - whichever is later. For the avoidance of doubt, Your Personal Information shall continue to be retained for as long as You maintain an active account or have any ongoing relationship with Us.
Upon the expiry of the applicable retention period, Your Personal Information shall be securely deleted or anonymized, unless its continued retention is required under any law or regulatory directive or for the establishment, exercise, or defense of legal claims, or for legitimate business purposes such as fraud prevention, risk management, or security monitoring.
You may request deletion of Your Personal Information; however, such deletion shall be effected only where there is no active loan, ongoing Service, unresolved claim, dispute, or legal obligation requiring continued retention of such information.
To the extent feasible and subject to applicable laws, We shall provide You access to the information that Xtelify holds about You as well as facilitate any correction/updation of information to the extent feasible and subject to applicable laws. Xtelify may need to request specific information from You to help us confirm Your identity and ensure Your right to access Your personal data (or to exercise other rights You may have under applicable law). This is a security measure to ensure that personal data is not disclosed to any person who does not have a right to receive it. We may also contact You to ask You for further information in relation to Your request to speed up our response. We use best efforts to respond to legitimate requests within a reasonable timeframe.
Our Platform may display links to third party websites/applications that We do not control and for which We cannot be held responsible for the activities of such websites.
Xtelify 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 Xtelify server when such emails are opened. Xtelify uses beacons to track the status of sent emails. If You do not wish to receive cookies, You may disable them.
Xtelify 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. Xtelify’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.
Any data breach will be promptly informed to the relevant third party lending partner as per contractual obligations for purposes of their regulatory reporting and customer intimation.
Xtelify reserves the right to modify/update this Policy as and when required. Any changes to this Policy shall be posted on this page.
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Nodal Grievance Redressal Officer In case of any feedback or concern or request please reach out to
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: +91-124-4243939/9205-653-552
Address: Airtel Center, Plot no. 16, Udyog Vihar Phase IV, Gurgaon – 122015
This number is operational on all working days from Monday to Friday between 9:30 AM to 5:30 PM.
If your complaint/concern is not redressed within a period of 30 days, you can lodge a complaint on RBI CMS portal - https://cms.rbi.org.in or send your complaint form to the below mentioned address:
Centralised Receipt and Processing Centre,
Reserve Bank of India, 4th Floor,
Sector 17, Chandigarh – 160017
Toll Free No. 14448
Officer Name- Mr. Emaad Khan
Contact: 9962003070
Grievance Redressal process: https://regulatory.creditsaison.in/grievance-redressal-policy
Email: grievance@creditsaison-in.com or emaad.khan@creditsaison-in.com
Address: IndiQube Lexington Tower, First Floor, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029
Officer Name- Mr. Venkatraman Narayan
Email: grievance@moneyview.in
Address: 17/1, 1st and 2nd Floor, The Address Building, Outer Ring Road, Marathahalli, Kadubeesanahalli, Bangalore – 560103
Contact: 080 6939 0476
Timings: 9:00AM to 6:00PM (Monday to Friday)
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
Officer Name- Mr. Amit Nosina
Designation Grievance Redressal Officer
Email: grievance@earlysalary.com
Contact: 020-67639797
Address: 404, The Chambers, Viman Nagar, Pune – 411014
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 (thirty) 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 : https://www.bajajfinserv.in/grievance-redressal
Customers are requested to address all their grievances at the first instance to the Grievance Redressal Officer.
The contact details of the Grievance Redressal Officer are:
Grievance Redressal Officer Mr. Sauraw Kumar
Address: KrazyBee Services Private Limited 3rd Floor, No. 128/9, Maruthi Sapphire HAL Old Airport Road, Murugesh Palya,Bangalore - 560017
Contact: 8044292555 / 8068534555
Email: reachus@kbnbfc.in
To register Your complaint/service request or for more details on insurance grievance redressal, please visit https://www.icicilombard.com/grievance-redressal
Level 1: Officer Name: Navari R
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
Please read the terms of this Policy carefully. By using and continuing to use our products and services, You are deemed to have accepted and consented to the terms of this Policy.