FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
FlyHi Finance - Privacy and Security Policy
Eecve Date: July 18, 2024
This Policy is published and shall be construed to be in accordance with the provisions of the
Information Technology
(Reasonable Security Practices and Procedures and Sensitive Personal Data of Information) Rules, 2011 under the
Information Technology Act,
2000
and
other
applicable
laws
and
regulations
that
require
publishing
of
the
privacy
notice
for collection, usage,
storage, disclosure
and transfer of sensitive personal data or information.
This Privacy and Security Policy ("Policy") describes how Fly Hi Financial Services Ltd
(“Company”/”FHFSL”) ("we," "us," or "our") collects, uses, and discloses your personal informaon
("PI") through our website and our digital lending applicaon located at www.yhinance.com
(collecvely, the “Website”/"Plaorm").
This Policy covers the pracces for handling and securing your Informaon by the Company
gathered through the Website or the provision of the Services. This Policy is applicable to all
persons ("you"/ "your"/ "Customer"/ "users") who access, use, purchase any Services from the
Company or its subsidiaries or aliates or its brands through FHFSL’s digital lending applicaon,
website, mobile sites and other online channels and through other interacons and
communicaons with the Company or its agents or aliates.
As used in this Policy, the term "Person" includes any natural person, corporaon, partnership,
limited liability company, trust, unincorporated associaon, or any other enty).
THIS POLICY CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU, AS THE USER OF THE
PLATFORM, AND THE COMPANY.
BY ACCEPTING THIS PRIVACY POLICY AND OUR TERMS OF USE, YOU EXPRESSLY CONSENT
TO OUR USE AND DISCLOSURE OF YOUR PERSONAL INFORMATION IN THE MANNER
PRESCRIBED IN THIS PRIVACY POLICY. THIS PRIVACY POLICY IS INCORPORATED INTO AND
SUBJECT TO THE TERMS OF THE TERMS OF USE AND GOVERNS ALL USE OF THE PLATFORM.
IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO
NOT PROCEED FURTHER TO USE/ ACCESS THIS PLATFORM.
THIS POLICY SUPERSEDES ANY PREVIOUS COMMUNICATION ON THIS SUBJECT MATTER
AND DOES NOT APPLY TO THIRD-PARTY WEBSITES AND APPLICATIONS THAT ARE
CONNECTED VIA LINKS TO THE PLATFORM. YOU ACCESS THIRD-PARTY APPLICATIONS AND
WEBSITES AT YOUR OWN RISK AND WE ARE NOT LIABLE OR RESPONSIBLE TO YOU FOR
ANY THIRD-PARTY APPLICATIONS AND WEBSITES.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
1. Informaon We Collect
The privacy of our users, whether they are our former or exisng users or merely a visitor to our
Plaorm, is important to us and we are strongly commied to your right to privacy and to keeping
your Personal Informaon (PI) and other informaon secure. We encourage the users of our
Plaorm to read this Privacy Policy in detail to understand what types of Informaon we collect
and how we use this Informaon. We collect several types of informaon through the Plaorm,
including:
• Personal Informaon (PI): The Company intends to protect the privacy of its users
accessing or using its Services on the Plaorm, and the privacy of the data provided by the
users to the Company from me to me.
Any informaon exchanged by you with the Company in the form of wrien
communicaon, responses to emails, feedback provided, parcipaon in discussions, etc.
is handled with condenality and will be available for the exclusive use of the Company.
PI includes informaon that can be used to idenfy you, such as details pertaining to your
name, parentage, marital status, naonality, residenal address, e-mail address, date of
birth, gender, contact number/mobile number, user ids, recent photograph, income proof,
PAN details, credit score, credit informaon report, Aadhar details fetched from UIDAI.
PI also includes Know Your Customer (KYC) documents like address proof, identy proof,
ocially valid documents/details (OVDs) accepted for concluding a nancial transacon,
which may be shared/ uploaded by you, as and when you avail any products or use the
website and our digital lending applicaon to which FHFSL may become privy to.
PI shall also include “Sensive Personal Data or Informaon” as dened under the
Informaon Technology (Reasonable security pracces and procedures and sensive
personal data or informaon) Rules, 2011 that may be collected, used, processed, and
stored on the Plaorm pursuant to this Policy.
Third-party service providers whose services may form part of the Services provided by
FHFSL may also collect PI as per the terms and condions applicable to such third-party
service providers. By procuring the Services or vising the Plaorm, the users hereby agree
to be bound by the terms of such third-party service providers. However, the user hereby
agrees that it shall access any such third-party services at its own risk and the Company
shall in no event be responsible for the same.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
• Device Informaon: We may collect informaon about the device you use to access the
Plaorm, such as the device type, operang system, IP address, and unique device
ideners.
• Locaon Informaon: We will request one-me access to your device's locaon for Know
Your Customer (KYC) purposes.
• Camera Access: We will request one-me access to your device's camera for Know Your
Customer (KYC) purposes.
• Usage Informaon: We collect informaon about how you use the Plaorm, such as the
pages you visit, the features you use, and the me you spend on the Plaorm. We may use
cookies and other tracking technologies to collect this informaon.
• Social Media Informaon: The Company may have presence on social networking websites
including but not limited to LinkedIn, Facebook, Twier, YouTube and blogs which are
promoonal and business iniaves to aract, engage and connect to a larger group of
people. The domain links contained therein may either direct you to our Plaorm or request
your parcipaon by way of feedback, suggesons, etc. The Company, in this regard, fully
disclaims any liability(ies) or claim(s), which may arise by use/misuse of your feedback,
suggesons, views, etc. on any of the aforemenoned networking websites or blogs, by any
third party whether or not known to the Company.
The Plaorm does not access mobile phone resources like le and media, contact list, call logs,
telephony funcons and others or collect any biometric data.
2. Use of Your Informaon
We use your informaon for the following purposes:
• To process your loan applicaon and service your loan.
• To verify your identy and comply with KYC regulaons.
• To assess your creditworthiness.
• To provide customer support.
• To improve the Plaorm and our services.
• To send you markeng communicaons (with your consent).
• To comply with legal and regulatory requirements.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
FHFSL will not sell or rent your PI to anyone for commercial purposes to anyone in a way that is
contrary to the commitments made and/or other than as set forth in this Policy.
Notwithstanding the foregoing, we may share your informaon with an aliate and/or business
partner. FHFSL may also share, sell, and/or transfer your personally idenable informaon to any
successor-in-interest as a result of a sale of any part of our business or upon the merger,
reorganizaon, or consolidaon of it with another enty on a basis that it is not the surviving enty.
We limit the collecon and use of your personal informaon. We may make anonymous or
aggregate personal informaon and disclose such data only in a non-personally idenable
manner. Such informaon does not idenfy you individually.
Access to your account informaon and any other personal informaon is strictly restricted and
used only in accordance with specic internal procedures, and for the purposes set out in this
Policy, in order to operate, develop or improve our services.
You understand and agree that the Company may connue to store your Informaon aer you
cease use of the Services or disable your use of, access to, or otherwise of the Services or the
Plaorm.
We may also share your informaon, without obtaining your prior wrien consent, with
government agencies mandated under the law to obtain informaon for the purpose of vericaon
of identy, or for prevenon, detecon, invesgaon including cyber incidents, prosecuon, and
punishment of oenses, or where disclosure is necessary for compliance of a legal obligaon. You
agree and consent to the website or our digital lending applicaon to disclose your informaon, if
so required, under applicable law.
3. DND\DNC Waiver
In furtherance to your usage of the website or our digital lending application, you expressly waive
the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for
contacting you for such purpose and usage. Hence, there will be no DNC / DND check required for
the number you may have left on our website. Such modes of contacting you may include sending
SMSs and/ or telephonic calls.
4. Sharing Your Informaon
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
We may share your informaon with third-party service providers who help us operate the
Plaorm and provide our services.
You can view the list of Technology Partners, LSP and Lending Partners
These service providers are contractually obligated to keep your informaon condenal and
secure. We will not share your informaon with any other third party without your consent, except
as required by law.
The data stored by the Company is shared with the NBFC (non-banking nancial instuon) and
lending partners of the Company, in exclusivity. All the data shared with NBFC/lending partners is
unmasked except in the case of Aadhaar, which is always masked in all the cases.
5. Credit informaon report
Your Credit Information (credit score and credit information report) is procured through a search
of your credit records with Credit Information Companies (“CICs”) and FHFSL has no control over
the content or accuracy of information provided in your credit information by CICs. FHFSL gets
this information from CIC for and on your behalf only when you agree to appoint FHFSL as your
lawfully appointed authorized agent/representative for collecting your credit information from
CICs. By consenting to use and avail your credit information report through FHFSL, you agree that
FHFSL and CICs shall be entitled to rely on your authorization and consent granted by you to
FHFSL.
• Availing your credit informaon through FHFSL is subject to your passing of appropriate
identy authencaon for security and privacy purposes. FHFSL shall not nofy you of the
reasons if you are unable to pass such identy authencaons and not able to view and/or
use your credit informaon.
• FHFSL may analyze and prole your credit informaon in order to process your loan
applicaons or assist you in idenfying and inform you of credit products that are likely to
be suited to your circumstances.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
6. Data Security
We may process your informaon only in servers located in India while ensuring compliance with
statutory obligaons/ regulatory instrucons.
We use reasonable safeguards to preserve the integrity and security of Your informaon against
loss, the, unauthorized access, disclosure, reproducon, use or amendment. To achieve the same,
we use reasonable security pracces and procedures as mandated under applicable laws for the
protecon of Your informaon. We have a comprehensive documented informaon security
program and informaon security policy that contains managerial, technical, operaonal, and
physical security control measures.
If the Company uses a vendor for storage of Informaon such as Amazon Web Services, all data
storage by the vendor will be subject to the vendor's security systems, and any breach of such
privacy or security policies of the vendor will be beyond the reasonable control of the Company,
and the Company will not be held responsible for such breaches.
We take reasonable steps to protect your informaon from unauthorized access, disclosure,
alteraon, or destrucon. However, no internet transmission or electronic storage method is 100%
secure. Therefore, we cannot guarantee the absolute security of your informaon.
To access your account with the Company, you would need to share OTP sent to your cellular
devices on a subscriber number linked to a specic SIM card. In the event of a loss, the or control
by a hacker of such device and\or SIM card, you are required to promptly inform us of the same, in
order for us to disable the Services accessible through such device. You understand and accept that
the reporng of such an event is solely your responsibility, conngent to which we may enable you
to access our Services as was previously available to you with the same terms and condions as
was previously applicable. However, we do not warrant the replacement or refund of our Services,
on account of the loss, the, or control by a hacker of such device and\or SIM card, through which
our Services were previously being accessed by you.
7. Cookies and/or pixel tags
We use cookies and other tracking technologies to collect and store certain informaon about your
use of the Plaorm. Cookies are small data les that are transferred to your device when you visit
a website. They allow the website to remember your preferences and acvity over me. You can
disable cookies through your browser sengs, but this may limit your ability to use certain features
of the Plaorm.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
8. Payment
The Company uses Easebuzz and Naonal Automated Clearing House ("NACH") for processing
online payments with respect to the Services. We do not store your credit card details or debit card
details or your internet banking details on our servers. The payment data is encrypted through the
Payment Card Industry Data Security Standard (PCI-DSS) when processing your payments. Your
purchase transacon data is only used as long as is necessary to complete your purchase
transacon and is not saved thereaer.
The payment gateway adopted by the Company adheres to the standards set by PCI-DSS as
managed by the PCI Security Standards Council, which is a joint eort of brands like Visa,
MasterCard, American Express and Discover.
PCI-DSS requirements will help ensure the secure handling of payment data informaon by the
Plaorm. Payment gateways and other payment transacon processors will have their own privacy
policies in respect to the informaon you are required to provide to them, and we are required to
provide to them for your payment-related transacons, and as such, those details will be governed
by their privacy policies.
9. Your Rights
You have the right to access, correct, and delete your PI. You can also request to restrict the
processing of your PI or object to the processing of your PI. To exercise your rights, please contact
us at contactus@yhinance.com from your email address registered with FHFSL. Request shall be
completed within 15 working days.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
Loan no:
First Name:
Last Name:
Country:
State:
City:
Email:
Mobile No:
Request type: Restrict or Update or Delete
Update needed (if Request Type = Update):
10. Opt-out
When you ll in a form and submit on the website or register with the digital lending applicaon
you are asked for your contact number and other details during registraon and may be sent SMS,
electronic mails (“e-mails”), nocaons, WhatsApp messages about our services or follow-ups to
nish the applicaon to your wireless device.
In case you do not want to be disturbed over telephonic calls or emails or WhatsApp messages,
kindly ll up the details requested in the table below and submit the same at
contactus@yhinance.com from your email address registered with FHFSL. Request shall be
completed within 15 working days.
First Name
Last Name
Email
Mobile No
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
11. Children
The Plaorm is not intended for children under the age of 18. We do not knowingly collect
informaon from children under 18.
12. Data retenon and destrucon
FHFSL will maintain all necessary records of transacons between itself and the customer, both
domesc and internaonal, for at least ve years from the date of the transacon.
At the end of 5 years from the date of such transacon that required collecon of such data all
records (physical as well as digital) will be reviewed in a commiee formed for review of such data
and headed by Chief Informaon Ocer. A decision shall be made if FHFSL should destroy this
data in accordance with the data retenon policies outlined below.
• If data is of a repeat customer who regularly opts for FHFSL products and services and we
would need a historical transacon trail to process further applicaons, an excepon shall
be made and documented to archive such data for another calendar year. All archived data
will get reviewed at the end of a calendar year from the date of archival.
• If data pertains to a customer whose applicaon was rejected or applicaon was abandoned
by the customer before compleon and no product, or services have been availed in the
said transacon, such data will be purged. Electronic les will be deleted, Database entries
will be masked, and physical documents will be destroyed by a document destrucon
company hired by FHFSL.
• If there have been no new transacons iniated by the customer his\her data will will be
purged. Electronic les will be deleted, Database entries will be masked, and physical
documents will be destroyed by a document destrucon company hired by FHFSL.
13. Changes to this Policy
We may update this Policy from me to me. We will nofy you of any changes by posng the
new Policy on the Plaorm. You are advised to review this Policy periodically for any changes.
14. Obligaons of the User
You hereby agree that you shall not host, display, upload, modify, publish, transmit, store, update
or share any informaon that:
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
(i). belongs to another person and to which the user does not have any right.
(ii).is in violates any law for the me being in force.
(iii). deceives or misleads the addressee about the origin of the message or knowingly and
intenonally communicates any informaon which is patently false or misleading in nature but may
reasonably be perceived as a fact.
(iv). impersonates another person; and
(v).is patently false and untrue, and is wrien or published in any form, with the intent to mislead
or harass a person, enty or agency for nancial gain or to cause any injury to any person.
15. Severability
Each clause of this Policy shall be and remain separate from and independent of and severable
from all and any other clauses herein except where otherwise expressly indicated or indicated by
the context of the Policy. The decision or declaraon that one or more clauses are null and void
shall have no eect on remaining clauses of this Policy. This Policy does not apply to any
informaon other than the informaon collected through the Plaorm. This Policy shall be
inapplicable to any unsolicited informaon You provide us through this Plaorm or through any
other means. This includes, but is not limited to, informaon posted in any public areas of the
Plaorm. All unsolicited informaon shall be deemed to be non-condenal and the Company is
free to use and/ or disclose such unsolicited informaon without any limitaons.
16. Indemnity
You agree and undertake to indemnify us in any suit or dispute by any third party arising out of
disclosure of informaon by you to third pares either through our Plaorm or otherwise and your
use and access of websites, applicaons and resources of third pares. We assume no liability for
any acons of third pares with regard to your Personal Informaon or sensive personal data or
informaon which you may have disclosed to such third pares.
FLY HI FINANCIAL SERVICES LTD
Registered Address: 611, 6th Floor, Pragati Tower, Rajendra Place, Delhi Central Delhi DL 110008
Corporate Address: 1013, 10
th
Floor, Corporate Annex, Near Udyog Bhavan Sonawala Road, Goregaon (E), Mumbai 400063
CIN: U74899DL1994PLC062940 Email: contactus@yhinance.com Contact: 8655741646
17. Contact Us
If you have any quesons about this Policy, please contact us at contactus@yhinance.com.
Any query related to the services (Loan disbursal, repayments etc.) would be answered only
through dedicated email - contactus@yhinance.com.
In accordance with the relevant provisions of the Informaon Technology Act, 2000, and the rules
made thereunder and the applicable RBI guidelines, the name and contact details of the Grievance
Ocer who can be contacted with respect to any complaints or concerns including those
pertaining to breach of the Terms of Use, Privacy Policy and other polices of the Company are
published as under:
Email: ngro@yhinance.com
Contact no: 7208003102
The Grievance Ocer can be contacted between 10am to 5pm from Monday to Friday except on
public holidays.
16. Governing Law and Jurisdicon
The Company is incorporated in, and based out of India, and is duty bound to abide by the
applicable Indian laws. The courts at Mumbai, India shall have exclusive jurisdicon in relaon to
any disputes arising out of or in connecon with this Policy.
17. Compliance with RBI Guidelines
This Policy is designed to comply with the Reserve Bank of India (RBI) guidelines on Regulaon of
Prepaid Payment Instruments and Merchant Stored Value Facilies (PPs & MSVs), including the
guidelines for digital lending. We will only collect the minimum amount of PI necessary to process
your loan applicaon and service your loan. We will not store your biometric data. We will obtain
your explicit consent before collecng any PI and will allow you to withdraw your consent at any
me.
