MEE FINTECH Privacy Policy explaining how personal information may be collected, used, shared, retained and protected when you use our website or request financial-product guidance and related services.
1Who we are and scope
MEE FINTECH is a financial consultancy and financial-product guidance business based in Hyderabad, Telangana, India. The business foundation information identifies Sontha Pradeep Kumar as founder/owner and describes services relating to loans, insurance, mutual funds, fixed deposits, MSME/CGTMSE finance, financial-product advisory and documentation assistance.
This Privacy Policy explains how information may be collected, used, stored, shared and protected when you visit our website, contact us, submit an enquiry, communicate with us or request a service. It applies to information handled by MEE FINTECH in the course of those activities, subject to any more specific notice or agreement provided for a particular service.
2Information we may collect
We seek to collect information that is reasonably relevant to responding to your enquiry, assessing the type of assistance requested, coordinating with a financial-product provider or meeting applicable legal obligations. The categories actually collected depend on the service and the channel you use.
- Contact and identity details you choose to provide, such as name, phone number, email address, city and preferred contact method.
- Enquiry and service details, including the type of loan, insurance or financial product you are asking about, stated business or personal requirements, and communications with us.
- Application-support information or documents you voluntarily provide where needed for a requested service. This may include financial or identity information; such information should be sent only through a verified and appropriate channel when genuinely required.
- Technical and usage information that may be generated when using a website or digital service, such as device/browser information, approximate usage data, logs, IP address or cookie identifiers, depending on the tools actually deployed.
- Consent, communication preferences, complaint details and records needed to demonstrate how an enquiry or service was handled.
3Sensitive information and document safety
Do not send Aadhaar, PAN, bank-account credentials, card details, passwords, one-time passwords (OTPs), full identity-document images or other highly sensitive information through public comments, social-media messages or an unverified contact. We will not ask you to disclose your password or OTP to us.
If a lender, insurer or other provider requires identity, financial or KYC documents, verify the recipient and the approved submission channel first. Provide only information reasonably required for the stated purpose. Where possible, submit such documents directly to the relevant regulated provider through its official secure process.
4How information is collected
Information may be received directly from you through website forms, phone calls, email, WhatsApp, meetings, referrals, online forms or other channels you choose to use. Where relevant and lawful, information may also be received from a lender, insurer, business partner, referral source or other service provider involved in your requested transaction.
If information is supplied by another person on your behalf, you should ensure that you are authorised to provide it and that the individual concerned has received any notice or given any consent required by law.
5Purposes for which information is used
We use information for clear, legitimate business purposes connected with your enquiry or relationship with MEE FINTECH. We do not promise that every listed purpose or technology is currently active; actual use depends on the tools deployed and the service requested.
- Respond to enquiries and contact you about the product or service you requested.
- Understand your stated requirements and provide relevant financial-product information or process guidance.
- Assist with documentation, application coordination, status enquiries and follow-up where you have requested that assistance.
- Transmit relevant information to a lender, insurer, investment or deposit provider, or other necessary service partner when you ask us to facilitate a product or where another lawful basis applies.
- Maintain business records, manage customer relationships, handle complaints, prevent fraud or misuse, protect our systems and enforce agreements.
- Meet applicable legal, tax, accounting, regulatory, audit, recordkeeping or lawful-request obligations.
- Send service-related updates. Promotional communications should be sent only in accordance with applicable law and your preferences.
6Legal basis, consent and your choices
We will handle personal information in accordance with applicable Indian law and any other law that applies to the relevant interaction. Depending on the context, processing may be based on your consent, steps you request before entering an arrangement, performance of an agreement, compliance with legal obligations, or another lawful ground.
Where consent is required, it should be informed and specific to the stated purpose. You may withdraw consent where the law gives you that right. Withdrawal does not make earlier processing unlawful and may mean that we cannot continue a service that depends on the information or consent concerned. We will explain material consequences where reasonably practicable.
7Sharing with lenders and other providers
Financial services often require coordination with independent third parties. Where relevant to your request, information may be shared with banks, NBFCs, insurers, mutual-fund or investment-related entities, fixed-deposit issuers, payment service providers, KYC/document-verification providers, technology vendors, professional advisers or authorised service partners.
We aim to share only information reasonably necessary for the relevant purpose and to use appropriate channels. Each third-party provider may separately collect and process information under its own privacy notice, terms and legal obligations. Review that provider's official documents before submitting an application or purchasing a product. MEE FINTECH does not control the independent privacy practices of third parties.
8Service providers and technology
Website hosting, email, analytics, forms, customer-management tools, cloud storage, messaging services, payment gateways or other technology may be used where implemented. Those providers may process limited information to provide their services. We will take reasonable steps to select appropriate service providers and manage access consistent with the nature of the information and applicable obligations.
The business foundation document states that a fully integrated CRM and some digital systems are still being developed. This Policy therefore describes intended privacy practices at a general level and does not represent that a particular software platform, automation or security certification is currently in place.
9WhatsApp, calls, email and social media
If you contact us using WhatsApp, telephone, email or a social-media platform, the relevant platform or telecom provider may process metadata and content under its own terms. Do not use public comments or social-media direct messages to transmit sensitive documents.
Calls or messages may be retained where reasonably necessary to respond to you, document service instructions, manage follow-up, resolve disputes or comply with law. We will not claim that a communication channel is end-to-end secure in every circumstance; use an approved secure channel for sensitive records where available.
10Cookies and similar technologies
The website may use essential cookies or similar technologies needed for operation, security or user preferences. Analytics, advertising or other non-essential technologies should be used only as configured and with any notice, consent or controls required by applicable law.
You can manage cookies through your browser settings and, if the website provides one, its cookie-preference tool. Blocking certain cookies may affect site functionality. For further details, consult the MEE FINTECH Cookie Policy at https://meefintech.com/cookie-policy.
11Marketing and communication preferences
We may contact you about the enquiry, application assistance, requested services, service updates or follow-up. Promotional communications, if sent, must comply with applicable consent, preference and telecom requirements. You can ask us to stop promotional messages using the opt-out method included in the message or by contacting us through a verified official channel.
Opting out of marketing will not necessarily stop essential service messages, legal notices or communications required to complete a transaction you have requested.
12Data retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including responding to your request, maintaining transaction and business records, handling disputes, preventing fraud and meeting legal or regulatory retention obligations. The appropriate period depends on the information type, the service, the relationship and applicable law.
When information is no longer required, we will take reasonable steps to delete it, anonymise it or securely dispose of it, subject to lawful retention requirements, backups and technical limitations.
13Security and access controls
We intend to use reasonable administrative, technical and organisational safeguards appropriate to the nature of the information handled. Access should be limited to people who need the information for authorised business purposes, and information should be shared through appropriate channels.
No website, messaging service, email transmission, storage system or internet connection can be guaranteed to be completely secure. You should use trusted devices and channels, protect your own accounts and promptly alert us if you suspect that information sent to us has been misdirected or misused. Do not submit information through a channel you believe is unsafe.
14Data breaches and incident response
If we become aware of a personal-data incident affecting information under our control, we will assess it and take steps appropriate to the circumstances and applicable law, which may include containment, investigation, remediation, recordkeeping and notifications to affected individuals or authorities where required.
Please report suspected unauthorised use or disclosure through the verified contact details published on the website. Since official support email and postal details have not been confirmed in the supplied business foundation document, those details must be added before publication.
15Your privacy rights and requests
Subject to applicable law, you may be entitled to request information about personal data we hold, seek correction or updating, request deletion where permitted, withdraw consent, raise a grievance or exercise other applicable rights. We may need to verify your identity and clarify the request before acting.
Some information may need to be retained or processing may continue where the law permits or requires it, or where necessary to establish, exercise or defend legal claims. We will explain any material limitation to the extent legally permitted.
16Children and information about other people
Our services are primarily described for individuals, families, entrepreneurs and businesses. We do not knowingly seek personal information from children through general website enquiries unless the relevant service legitimately requires it and the applicable legal requirements are satisfied. A parent or lawful guardian should contact us if they believe a child has provided personal information without appropriate authorisation.
If you provide information about another person, you are responsible for ensuring that you have authority to share it and that any notice or consent required by law has been provided.
17Cross-border processing
Some digital or communication service providers may process information on infrastructure located outside the state or country where you reside. Any such processing should occur only subject to applicable law and relevant contractual or technical safeguards. The actual locations and transfers depend on the tools and providers used; MEE FINTECH does not represent that cross-border transfers are currently occurring in every case.
18External websites and third-party privacy notices
Our website or communications may link to lender, insurer, payment, social-media, community or other third-party websites. Those websites are not controlled by this Policy. Before submitting information or making a payment, confirm that you are using the intended official website and read its privacy notice and terms.
19Changes to this Privacy Policy
We may update this Policy to reflect changes in services, systems, business practices or applicable law. The latest version should be published on the website with an updated effective or revision date. If a change materially affects how information is handled and the law requires further notice or consent, we will take the steps required by law.
20Grievance and privacy contact
Privacy requests, consent withdrawals and complaints should be directed to the verified MEE FINTECH contact channels published on the website. The supplied business foundation document does not confirm an official privacy email address, full postal address or designated grievance officer. These details must be completed and verified before this Policy is published.
Do not treat an unverified social-media account as the official channel for sensitive privacy requests. We may ask for reasonable information to verify your identity and protect against unauthorised disclosure.
21Interpretation and legal compliance
This Policy should be read together with the MEE FINTECH Terms & Conditions, Cookie Policy, applicable service-specific disclosures and the privacy notices of relevant third-party providers. If a provision conflicts with a mandatory legal requirement, the mandatory requirement will prevail to the extent of the conflict.
Nothing in this Policy is intended to exclude a right or remedy that cannot lawfully be excluded. The Policy describes general practices and must be reviewed and updated to reflect the actual data flows, technology, vendor arrangements and legal obligations of the business.
22Policy acknowledgement
By using the website or voluntarily providing information to enquire about a service, you acknowledge that you have had an opportunity to read this Policy. Where consent is legally required for a particular processing activity, this general acknowledgement does not replace that specific consent.