Privacy Policy

Alpine Finlease Limited (“Alpine”, “we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in a responsible and transparent manner. This Privacy Policy explains how we collect, use, store, share and protect any information that can identify you (“Personal Information”) when you visit or use our website www.alpinefinlease.com (“Website”) or otherwise interact with us.

This Privacy Policy is prepared in accordance with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable Indian laws.

By accessing or using our Website, you agree to the terms of this Privacy Policy.

1. Governing Law & Jurisdiction

This Policy shall be governed by and construed in accordance with the laws of India.
Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts at [New Delhi], India.

2. What We Mean by “Personal Information”

For the purpose of this Policy, Personal Information means any information that can be used to identify an individual, either directly or indirectly. This may include, but is not limited to:

  • Name (first and last name)

  • Residential or business address

  • Email address

  • Mobile number / phone number

  • Date of birth

  • Government-issued identity details (as permitted by law)

  • Financial information (such as bank details, income information, etc., where applicable)

  • Any other contact or identification information shared with us

You may visit many sections of our Website without revealing your identity or providing any Personal Information. However, certain services, forms or applications may require you to voluntarily share Personal Information with us.

3. Collection of Personal Information

We may collect Personal Information in the following ways:

  • When you fill out forms or submit details on our Website (e.g., loan enquiry form, “Contact Us”, “Apply Now”)

  • When you communicate with us by email, phone, WhatsApp, or other channels

  • When you share documents or information as part of a loan application or service request

  • Through information obtained from third-party service providers, partners, or agents, where permitted

  • Through automated means such as cookies and other tracking technologies when you browse our Website

We may also receive Personal Information about you from external sources such as credit bureaus, partners, or publicly available databases, in accordance with applicable laws, for purposes such as credit assessment and due diligence.

4. Purpose of Collecting and Using Personal Information

We collect, store, process and use your Personal Information strictly for legitimate business purposes, including but not limited to:

  1. Assessing your eligibility for our products and services, such as loans, and for completing KYC and other regulatory checks

  2. Processing applications, executing agreements, disbursing loans, servicing accounts, and managing ongoing customer relationships

  3. Communicating with you regarding your applications, queries, transactions, and services

  4. Improving our Website, products, processes, and customer experience

  5. Sending you information, alerts, updates, and communications that may be relevant or useful to you in relation to our services (including service and regulatory communications)

  6. Sending you marketing and promotional communications about our products, offers, or features, where permitted by law and subject to your preferences

  7. Complying with legal, regulatory, and contractual obligations, including responding to lawful requests from courts, regulators, or government authorities

  8. Preventing fraud, misuse, or abuse of our services, and ensuring network and information security

We do not sell, rent or trade your Personal Information to third parties for their own marketing purposes.

Personal Information may be shared with our group entities, partners, service providers, vendors, agents, and consultants strictly on a need-to-know basis for the above purposes and subject to appropriate confidentiality and data protection obligations.

5. Cookies & Tracking Technologies

Our Website may use cookies and other tracking technologies to enhance your browsing experience and improve our services.

5.1 Cookies

A “cookie” is a small text file stored on your device when you visit a website. Cookies help us:

  • Recognize your browser on subsequent visits

  • Understand how you use our Website

  • Improve Website performance and user experience

Most web browsers allow you to control cookies, including whether to accept them, block them, or delete them. You can usually modify your browser settings to decline cookies. However, if you disable cookies, some features of the Website may not function properly.

5.2 Navigational Information & Analytics

We may collect certain technical and navigational information such as:

  • IP address

  • Browser type and version

  • Operating system

  • Pages viewed and duration of visits

  • Date and time of access

  • Referring websites or links

We may use this information, alone or in combination with other data, to:

  • Administer and improve our Website

  • Analyse usage patterns and traffic trends

  • Personalise content and communications

This information is generally used in aggregated or anonymised form and does not, by itself, directly identify you.

6. Information Security

We take reasonable and appropriate technical and organisational measures to protect your Personal Information from unauthorised access, alteration, disclosure, or destruction.

These measures may include, among others:

  • Use of secure servers and encryption technologies

  • Access controls and role-based permissions

  • Secure storage and backup practices

  • Internal policies and procedures for data handling

Despite our best efforts, no method of transmission over the internet or electronic storage is completely secure. By using our Website and services, you understand and accept the inherent risks of data transmission over the internet.

Alpine Finlease shall not be responsible for any unauthorised access or data loss arising from events beyond our reasonable control, including but not limited to hacking, cyber-attacks, system failures, or force majeure events, except where such loss is directly attributable to our gross negligence or wilful misconduct.

7. Third-Party Services

We may engage third-party service providers (such as technology partners, analytics providers, marketing agencies, collection agencies, credit bureaus, etc.) to perform services on our behalf.

Where such third parties process Personal Information:

  • They do so under contractual obligations to maintain confidentiality and protect your data

  • They are allowed to use the information only for the specific purposes for which it was shared (e.g., hosting, analytics, communication, verification)

We do not intend to transfer your Personal Information to third parties who are not acting on our behalf, unless:

  • Such transfer is required by law or by a regulatory / judicial authority

  • It is necessary for enforcement of our rights or defence of legal claims

  • You have provided explicit consent for such sharing

  • It is otherwise permitted by this Policy or applicable law

8. Notice & Consent

Where we collect Personal Information, we aim to be clear about:

  • What information is being collected

  • Why it is being collected

  • How it will be used and shared

By submitting your Personal Information on our Website, contacting us, or using our services, you consent to the collection, use, processing, and sharing of your Personal Information as described in this Privacy Policy.

Where required by law, we will seek additional or explicit consent (for example, for certain types of marketing communications or specific processing activities).

You may withdraw or modify your consent to certain processing activities at any time by contacting us (see Section 13 below), subject to our legal and contractual obligations.

9. Testimonials & Feedback

We may, from time to time, display customer testimonials, reviews, or feedback on our Website or marketing material. Where such content contains Personal Information (like your name or city), we will obtain your consent before publishing it.

If at any time you wish to have your testimonial removed or updated, you may contact us and we will take reasonable steps to do so.

10. Access, Correction & Deletion of Personal Information

We strive to ensure that the Personal Information we hold about you is accurate and up to date.

You may, subject to applicable law:

  • Request access to your Personal Information available with us

  • Request correction or updation of inaccurate or incomplete information

  • Request deletion or restriction of your Personal Information, where feasible and not contrary to law or legitimate business needs

To exercise these rights or update your details, you may contact us at:
Email: [privacy@alpinefinlease.com] (replace with your actual email)

We may need to verify your identity before acting on such requests.

11. Marketing & Communication Preferences

We may use your contact information to send you information, offers or updates about our products and services which we believe may be relevant to you.

You can opt out of receiving marketing communications at any time by:

  • Clicking the “unsubscribe” link (where available) in an email, or

  • Writing to us at [contactus@alpinefinlease.com] with your request

Even if you opt out of marketing communications, we may still send you service-related or transactional communications, such as those related to your loan, account, or regulatory notices.

12. Changes to this Privacy Policy

We may update or modify this Privacy Policy from time to time to reflect:

  • Changes in law or regulation

  • Changes in our business practices, services, or technology

  • Other operational requirements

Any changes will be posted on this page with an updated “Last updated” date. We encourage you to review this Policy periodically to stay informed about how we are protecting your information.

Your continued use of our Website or services after any change to this Policy will be deemed as your acceptance of the updated Policy.