Privacy & Policy


1. Introduction

Samunmesh Foundation Services Limited (“Samunmesh”, “we,” “us,” “our”) respects your privacy and is committed to safeguarding your Personal Information across all the available online and offline platforms including websites, offline interactions, physical branches, customer services, other points of sales, third party platforms, or all communications, by electronic means or otherwise, or any other mode or platform used by Samunmesh (together, the “Services”). This Privacy Policy (“Policy”) explains how we collect, process, share, secure, retain, and allow access to your Personal Information as part of delivering our products and Services. Personal Information means any information relating to an identified or identifiable natural person (“Data Principal”) that includes without limitation to, name, identification number, financial information, location data, any online identifier or one or more factors specific to physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

By accessing or using our website https://samunmesh.com/ applications or otherwise by providing your information, you will be deemed to have read, understood and agreed to the practices and procedures outlined in this Privacy Policy and consequently enable us to process your Personal Information which is collected during your interaction with Samunmesh Foundation in accordance with the terms & conditions of this Policy.

2. Applicability

This Policy sets forth the expected behaviours of Samunmesh Foundation in relation to Processing of Personal Information and applies to:

  • all Personal Information collected through any channel: offline, service-oriented.
  • all users of our products and services, prospective, current, or former customers.
  • Partners, third-party service providers, agents, or vendors who process Personal Information on our behalf.

    • Since our website may contain hyperlinks to third-party websites or services, this Privacy Policy applies solely to Samunmesh Foundation and does not extend to the privacy practices of such third-party websites or features linked from our platform. We do not control these external sites and are not responsible for their content, privacy policies, or practices. We strongly encourage you to review the privacy policies of the third-party websites or services that you visit before sharing any Personal Information.

3. Privacy Principles

    At Samunmesh Foundation we uphold the following privacy principles to ensure that your Personal Information is processed lawfully, fairly, and in a transparent manner:

  • Collection of Relevant Data: We collect your Personal Information solely for lawful purposes that are clear, specific, and necessary for delivering financial products and services tailored to your needs. We do not collect any Personal Information that is excessive or irrelevant.
  • Use Limited to Specified Purposes: Your Personal Information is used strictly for the purposes that are informed to you at the time of its collection or as consented by you which may include without limitation to, providing the services or products requested by you, enhancing customer experience, personalizing content, fulfilling contractual or legal obligations, conducting analytics, ensuring system security, performing internal audits, and improving our services or operations. We do not process your Personal Information for any purpose that is incompatible with the originally specified purpose, unless you provide fresh consent or such processing is permitted by applicable law.
  • Data Sharing with Safeguards: Your Personal Information is shared only with our authorised agents and verified third-parties subject to applicable laws and with adequate contractual safeguards.
  • Legally Mandated Disclosures: Your Personal Information may be disclosed to government authorities, regulatory bodies, law enforcement, or judicial entities only when required under applicable law or pursuant to valid legal processes. While disclosing your Personal Information for the fulfilment of a legal requirement, we ensure that such disclosures are lawful, necessary, and proportionate.
  • Accuracy and Up-to-Date Records: We strive to ensure the accuracy and completeness of the Personal Information we maintain. You, as a Data Principal, have the right and responsibility to inform us of any updates or changes so that we may fulfil our obligation to ensure data accuracy.
  • Data Security and Confidentiality: We implement robust technical and organizational measures to ensure the security, confidentiality, and integrity of your Personal Information against unauthorized or unlawful processing, accidental loss, destruction, alteration, or damage. In addition to technological safeguards, we maintain strict internal policies and procedures governing how your Personal Information is accessed, handled, and shared by our employees and authorized vendors, third-parties, and service providers.
  • Controlled Access and Responsible Processing: All employees, group entities, and third parties processing your data are contractually bound to maintain confidentiality and may only access your data for legitimate uses allowed under applicable law.

4. What Information About You Do We Collect

    We collect, process, and store different types of Personal Information based on your interactions with our Services, platforms, and offerings. These categories of Personal Information may include, but are not limited to, the following:

  • Identity & Verification Data: includes without limitation to, your name, date of birth, contact details, government-issued identification documents, photographs, signatures, and biometric data used for identification or authentication.
  • Financial & Transactional Data: It covers bank account and payment details, credit/debit card info, transaction records, credit history, loan data, income, and repayment patterns.
  • Technical, Usage & Device Data: We collect data generated from the use of our website or digital services, which may include IP/MAC addresses, device identifiers, browser and OS info, cookies, app logs, and telemetry data gathered during digital interactions.
  • Behavioural & Analytics Data: We may capture how you use our services clicks, page views, session duration, geolocation, search activity, and engagement patterns for analytics.
  • Communications & Support Data: We may retain CCTV footages, call recordings, chat logs, emails, feedback forms, complaint records, social media interactions, and survey responses which is collected through customer interactions.
  • Marketing & Preference Data: This includes data from credit bureaus, past employers, financial partners, publicly available social media, government databases, or vendors enriching your profile.
  • Third-Party & Affiliated Data Sources: We may collect Personal Information from third-party and affiliated sources such as credit bureaus to verify creditworthiness and financial history, employers for employment data, affiliated group entities for integrated financial services, government agencies and public databases for identity verification, taxation and compliance verifications, and publicly available information from social media platforms. Additionally, we may receive marketing or validation data from licensed data vendors, analytics platforms, information on fraud detection services, and transaction information from payment gateways.
  • Health-related Data: may collect data related to medical or health-related information necessary for insurance or wellness-related services.
  • Children’s Data: Our Services are not directed to children under the age of 18, and we do not knowingly collect Personal Information from minors. If it is discovered that data has been collected from a minor without verifiable parental or guardian consent, we shall take immediate steps to delete such information. Parents or guardians may contact our Data Protection Officer at info@samunmesh.com to request the erasure of such data.

5. Why We Collect Your Information

    We collect and process your Personal Information only for lawful purposes and in a fair, transparent, and necessary manner in accordance with applicable laws and regulations. These purposes include, but are not limited to:

  • Account Creation, Identity Verification & Transaction Authorisation: To provide lending services, open and manage accounts, verify identity through KYC/eKYC (including Aadhaar/PAN/CKYC), validate digital signatures, and authenticate financial or non-financial transactions.
  • Service Delivery, System Security & Technical Operations: To provide and improve our digital lending and mobile applications which includes maintenance, error detection, data backups, risk mitigation, IT troubleshooting, and network security operations, in accordance with regulatory guidelines.
  • Legal & Regulatory Compliance: To comply with obligations under laws and maintain audit trails mandated by regulators. This includes disclosures to courts, enforcement agencies, or financial regulators under due process.
  • Personalization of User Experience & Marketing Communication: To customise product offerings, send targeted SMS/email/push notifications, deliver pre-approved loan offers, and serve interest-based advertising based on your preferences, transaction history, consent status, or eligibility. Our marketing communications are always subject to opt-out rights.
  • Data Analytics, Performance Monitoring & Internal Training: To analyse service usage patterns, monitor customer satisfaction, improve customer journeys, and develop internal staff skills including use of anonymised or aggregated data for risk scoring, lead generation, or query resolution.
  • Enabling Third-Party Product Offerings: support access to partner-driven offerings such as digital product loans, health/life insurance, and credit bureau-linked services, which are always subject to your consent or contractual agreement with us or the third-party provider.
  • Customer Engagement Programs: conduct customer surveys, feedback experiences, contests, and community initiatives. This may involve contacting you for invitations, updates, or acknowledgments regarding your participation.
  • Prevention of Financial Crime & Risk Monitoring: To detect, investigate, and prevent unauthorised access, fraudulent transactions, data breaches, identity theft, and money laundering. This includes use of AML software, fraud management systems, watch lists, and coordination with law enforcement authorities.

6. Consent

  • By using Valour Infotech and/or by providing your information, you consent to the collection and use of the information you disclose on Valour Infotech in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.