Privacy Policy
At Capital Edge, we deeply value the trust you place in us when
sharing your personal and financial information. As a financial services provider offering loan
assistance, insurance, banking, and financing/finance products, and portfolio management, we realize
that the protection of your personal information is not only the legal requirement but an ethical
responsibility as well.
This Privacy Policy explains how we collect, use, store, share, and protect your
personal information when you interact with us through our website, mobile/web applications, or offline
services. It applies to both current and former customers and visitors of our digital platforms.
Your access and use of our services is expressly conditioned on your acceptance of this Privacy Policy,
which you accept and agree to comply with upon your access and/or use of such services.
This document has been drafted in compliance with the Information Technology Act, 2000, and Information
Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information)
Rules, 2011 (SPDI Rules) as amended time and again.
To provide you with high-quality services, Capital Edge may collect different
categories of personal and financial information:
- Personal Identification Data: Such information is full name, gender, date of birth,
phone numbers, residential address, email address and other personal identifiers like PAN or Aadhaar
when necessary in order to be in compliance.
- Financial Information: Information on all your bank accounts, income, credit
rating, loan repayment track record, insurance covers and investments may be kept to determine
eligibility, advise on products, and for carrying out financial transactions.
- KYC Information: Regulatory bodies like RBI, SEBI, and IRDAI mandate collection of
certain documents such as proof of identity, proof of address, and photographs for Know Your
Customer (KYC) purposes.
- Login & Authentication Data: When you register on our website or app, you may be
asked to create a username, password, or PIN for secure access.
- Usage & Technical Data: Like most websites, we collect technical information such
as IP addresses, browser types, device identifiers, cookies, and log files to enhance functionality
and security.
- Employer-Provided Data: In cases where services are extended via corporate
partnerships, limited employee information shared by your employer may also be processed.
In accordance with our company privacy policy, we can get this information
directly by you filling out forms, registering on our platforms, interacting with our representatives,
and indirectly with cookies, analytics tools, and lawful data-sharing agreements with financial
partners.
How We Use Your Information
- Service Delivery: Processing loan applications, recommending insurance policies,
assisting with banking services, and managing investment portfolios.
- Eligibility & Risk Assessment: Reviewing your financial and credit history to
suggest suitable products and prevent fraud.
- Policy Solicitation & Servicing: Engaging in pre- and post-sale support such as
premium reminders, claims servicing, or portfolio rebalancing.
- Regulatory Compliance: Ensuring adherence to RBI, SEBI, IRDAI, and other applicable
legal frameworks.
- Customer Support: Responding to queries, addressing grievances, and improving
overall user experience.
- Marketing & Communications: To send service update, offer, or product suggestion.
By enrolment or subscription to Capital Edge, you agree to receive emails, SMS or telephone calls,
irrespective of whether your number is on DND/DNC/NCPR registers or not.
- Website Improvement: Analyzing how users interact with our website and app so we
can improve navigation, performance, and security.
Information Sharing and Disclosure
Capital Edge respects your privacy. We do not sell your information to third
parties. Nevertheless, we can disclose your information in the following cases:
- With Authorized Business Partners: Banks, non-banking financial companies (NBFCs),
insurance companies, and asset management companies with which we have partnered to offer financial
products. Your information is passed on only to the extent it is required to process your request.
- With Service Providers: Vendors who support our operations such as IT hosting,
customer support, analytics, and communication platforms. They are bound by confidentiality
agreements.
- With Regulators and Government Authorities: Your information may be disclosed to
regulators like RBI, IRDAI, SEBI, income tax authorities or law enforcement agencies as required to
allow them to verify, investigate or audit your information.
- For Corporate Transactions: In the event of a merger, acquisition, restructuring,
or sale of business, customer information may be transferred to the new entity with the same level
of protection.
These disclosures are always made in good faith and only when legally or contractually necessary.
Cookies & Tracking Technologies
Cookies are small text files stored on your device to enhance user experience.
Session Cookies: Temporary files that track user activity during a browsing session and are
deleted once the browser is closed.
Persistent Cookies: Files stored on your device to remember preferences such as login details,
thereby improving convenience.
Cookies aid us to offer you customized services, to have a quicker load speeds and to check the website
traffic. They do not hold personally identifiable information data. Cookies can also be disabled by
changing your browser set up.
Security of Information
We recognize that financial data is highly sensitive. Therefore, our company policies employ robust
physical, electronic, and managerial safeguards, including:
- Encryption protocols for secure data transmission and storage.
- Restricted employee access based on role and necessity.
- Regular monitoring and audits to detect unauthorized access or cyber threats.
- Secure authentication systems such as OTPs and strong passwords.
While we strive for maximum security, no method of internet transmission is entirely risk-free. Users
are encouraged to protect their login credentials and avoid sharing them with others.
Data Retention
We maintain personal data only as long as it is necessary to fulfill the purposes identified in this
company privacy policy, unless a longer storage period is required by law. For example:
- Loan and financial records may be retained for audit and compliance for several years.
- KYC information is maintained as per RBI/SEBI/IRDAI mandates.
Once data is no longer needed, it is securely deleted or anonymized.
Your Rights
- Access & Review: You may request a copy of the personal data we maintain.
- Correction: If you believe the data we hold is incorrect or outdated, you may
request an update.
- Withdrawal of Consent: You can opt out of marketing communications by writing to info@capitaledge.in (processing may
take up to 10 working days).
- Deletion: You may request deletion of your personal data, subject to legal and
regulatory retention requirements.
To exercise these rights, please contact us through the details provided at the end of this Policy.
Links to External Websites
We have links on our site to third party websites. These third-party sites are subject to their privacy
practices and Capital Edge does not take any responsibility in how your information is being processed
by such entities. We suggest you read their privacy policies prior to using them.
Policy Updates
Capital Edge also reserves the right to make changes to this Privacy Policy in the future to accommodate
changes in our legal requirements, technology and/or our internal practices. The revised version will be
in force at all time and was posted here with the Effective Date. We recommend that a user review this
policy on a regular basis to keep abreast of what this policy entails.
If you have any questions, concerns, or complaints regarding this Privacy Policy, or if you wish to
exercise your data protection rights, please contact us at:
Capital Edge
Email: info@capitaledge.in
Last updated: October 8, 2025
