Grievance Redressal Policy

1. Scope

This Grievance Redressal Policy applies to all customers, partners, and visitors who interact with BharatFincred through our website, phone, WhatsApp, or in-person. It covers complaints related to:

• Our loan advisory and referral services
• Data privacy and consent concerns
• Misleading information or calculator inaccuracies
• Conduct of BharatFincred staff or representatives
• Partner lender issues escalated through BharatFincred
• Unauthorized use of your personal data

Note: For complaints specific to a lender's loan terms, approval decisions, or disbursements, you should contact the lender directly. BharatFincred can assist in escalation where appropriate.

2. How to Raise a Grievance

We offer multiple channels to register your complaint:

3. Information to Include in Your Complaint

To help us resolve your complaint quickly, please include:

• Full name and contact details (phone and email)
• Date of the incident or transaction
• Nature of the complaint (service issue, data concern, mis-selling, etc.)
• Reference number (if any) from previous communication
• Supporting documents or screenshots (if applicable)
• Desired resolution

4. Resolution Process

5. External Escalation

If you are not satisfied with the resolution provided by BharatFincred, you may approach:

• RBI Ombudsman — For complaints related to banking or NBFC services: cms.rbi.org.in
• Consumer Forum — Under the Consumer Protection Act, 2019, at your district, state, or national level
• DPDPB — Data Protection Board of India for data privacy violations (once operational)