Privacy Policy | Tyger Capital

At Tyger Capital, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, transfer, and safeguard your information in the course of providing our financial services, operating our website, mobile apps, and other digital or offline interfaces. By accessing or using our Services, you consent to the practices described in this policy.

1. Definitions & Scope

Personal Information means any information that can identify an individual, either directly or in combination with other data (e.g. name, address, date of birth, PAN, Aadhaar, contact details).
Sensitive Personal Information includes financial data, repayment history, credit scores, account numbers, income, and other data which is more sensitive in nature.
Non-Personal / Aggregate Information refers to data which does not reveal your identity, e.g. aggregated statistics, device/usage patterns, IP address.

This Privacy Policy applies to all individuals whose data is collected in connection with our Services — prospective borrowers, customers, partners, visitors to our website, etc.

2. What Information We Collect

We may collect the following categories of information, directly or via third parties:

2.1 Information You Provide

Identity & Personal Details: name, date of birth, gender, photograph, PAN, Aadhaar, voter ID, etc.
Contact Information: address, email, mobile phone, alternate contacts, emergency contacts.
Financial & Transaction Data: income, bank account numbers, statements, outstanding liabilities, assets, debt obligations, credit bureau data, repayment history, collateral details, etc.
Application / Service Data: details you submit in application forms, KYC documents, supporting documents, proposals, contracts.
Correspondence & Communications: queries, feedback, emails, chat logs, call recordings.
Device / Usage Data: IP address, browser type, OS, device identifiers, access times, cookies, usage logs, click streams.

2.2 Information from Third Parties

Credit Bureaus / Credit Information Companies (CICs) / credit reporting agencies.
Banks, financial institutions, references, guarantors, partners.
Government / regulatory databases (e.g. for KYC / identity verification).
Publicly available sources and partners.

2.3 Automated / Technical Data

Cookies, web beacons, usage logs, analytics data.
Geolocation (if authorized).
Device identifiers and telemetry data.

3. Purpose of Processing / Use of Information

We process your information for various legitimate business purposes, including but not limited to:

Verifying your identity, KYC / AML / regulatory compliance.
Assessing your creditworthiness, underwriting, risk evaluation, loan eligibility.
Processing, approving, disbursing, servicing, monitoring, and collecting loans / financial products.
Communicating with you — responding to queries, sending notices, statements, reminders.
Fraud detection, prevention, risk management, security, compliance investigations.
Maintaining and improving our Services, analytics, audits, market research.
Enforcing terms, resolving disputes, legal compliance, regulatory reporting.
Marketing, promotional communications (with your consent or as legally permitted).
Aggregated statistical analysis (non-identifiable) for internal use.

We will not use your information for purposes materially different from those disclosed in this policy without prior notice or fresh consent (if required in law).

4. Disclosure / Sharing of Information

Tyger may share or disclose your information under the following circumstances:

4.1 With Service Providers & Partners

We may share data with third-party service providers, agents, or vendors (e.g. IT services, auditing, data processing, payment gateways, collection agencies) who assist us in providing our Services. These parties are contractually obligated to maintain confidentiality and use data only for permitted purposes.

4.2 With Credit Bureaus / CICs

We may share your credit, repayment, default, or account performance data with recognized credit information companies / credit bureaus, as per applicable regulations.

4.3 With Lenders, Co-lenders, Guarantors, & Credit Institutions

If applicable, we may share your data with partner lending institutions, co-lenders, guarantors, in connection with loan syndication, credit assessment, or security enforcement.

4.4 For Legal, Regulatory & Compliance Purposes

We may disclose information when required by law or regulation (e.g. RBI, courts, law enforcement, tax or regulatory authorities), or to respond to legal process, investigations, or to protect our rights, property or safety.

4.5 In Business Transfers

If Tyger or its assets are acquired, merged, or reorganized, your information may be transferred as part of such transactions, subject to confidentiality and notice obligations.

4.6 With Your Consent

We may share your information with third parties not listed above if you explicitly consent to such sharing.

5. Data Retention

We will retain your Personal Information only as long as necessary to fulfill the purposes as described in this policy, or as required by applicable law, whichever is longer. After that, we will either delete or anonymize it such that you cannot be re-identified, unless retention is required for regulatory, compliance, litigation, or audit purposes.

6. Security & Safeguards

We take appropriate technical, administrative, and physical security measures to protect your data against unauthorized access, disclosure, alteration, or destruction. These include:

Encryption
Access controls, role-based permissions
Regular audits, vulnerability assessments
Secure development practices, network security
Employee awareness and confidentiality obligations
Incident response procedures

However, no system is perfectly secure. In case of a data breach, we will follow applicable regulatory obligations (including notifications to affected individuals or authorities, as required by law).

7. Cookies & Tracking Technologies

We (and third-party analytics providers) may use cookies, pixels, web beacons, local storage, or similar technologies to collect usage information, personalize content, improve Services, track user behavior, and for advertising/marketing activities (where applicable).

You may control or disable cookies via browser settings or opt-out options (though some features may stop working properly).

8. Your Rights & Choices

Depending on applicable laws, you may have certain rights concerning your personal information, including:

Access / obtain a copy of your personal data
Correct or rectify inaccurate or incomplete data
Erase / delete / request anonymization (subject to legal constraints)
Restrict or object to certain processing
Portability of data
Withdraw consent (for processing based solely on consent)
Lodge a complaint with supervisory / regulatory authorities

If you wish to exercise any of these rights, please contact us using the contact details below. We may request verification to confirm your identity before fulfilling the request.

9. Cross-Border Transfers

If your information is transferred, stored, or processed outside India (e.g. by our cloud / IT service providers), we will ensure that such transfers comply with applicable data protection laws and are secured via adequate safeguards (e.g. standard contractual clauses, security measures, binding corporate rules).

10. Links to Other Websites & Third-Party Services

Our Services may contain links to third-party websites, products, or services. We are not responsible for the privacy practices or content of those third parties. We recommend reviewing their privacy policies before interacting.

11. Updates to this Policy

We may revise or update this Privacy Policy from time to time to reflect changes in law, technology, business practices, or user feedback. Where required by law, we may also seek your consent.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, you may contact:

Tyger Capital
Address: 1004/5, 10th Floor, C-Wing, One BKC, C-66, G- Block, Bandra Kurla Complex, Bandra East, Mumbai 400 051, Maharashtra, India

Email: customercare.tcpl@tyger.in

Phone: 1800 210 0444

We will make reasonable efforts to address and resolve your request in a timely manner, in accordance with applicable laws.

Disclaimers & Acknowledgments

Use of our Services constitutes your acceptance of this Privacy Policy.
Nothing in this policy limits any rights granted to you by applicable law.
In case of conflict between this policy and any statutory provisions, the statutory provision shall prevail.

Change of Privacy Policy

TYGER CAPITAL reserves the full rights to change/alter/amend/modify the contents of the privacy policy from time to time without any prior notice or intimation.