Privacy Policy
Effective Date: 15/12/2025
Last Updated: 20/01/2026
At FIVS (Financial & Insurance Consultancy Services), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and safeguard customer data while delivering financial and insurance consultancy services.
By accessing our website or availing our services, you consent to the practices described below.
1. Who We Are
FIVS is a financial and insurance consultancy firm providing assistance for loans, credit cards, mutual funds, and insurance products through associations with IRDAI-registered insurers, RBI-regulated banks and NBFCs, and licensed broking agencies.
2. Information We Collect
We may collect the following information:
- Personal details (name, phone number, email, address)
- Identity and KYC documents (PAN, Aadhaar, DL, etc.)
- Financial information (income proof, bank statements, credit data)
- Insurance policy and claim-related documents
- Website usage data (IP address, cookies, browser type)
3. Purpose of Data Collection
Your information is used solely for:
- Loan and insurance application processing
- KYC verification as per RBI & IRDAI guidelines
- Policy issuance, servicing, and claim assistance
- Regulatory compliance and audit requirements
- Customer communication and service improvement
4. Data Sharing & Disclosure
FIVS may share customer data only when necessary with:
- RBI-regulated banks and NBFCs
- IRDAI-registered insurance companies
- Licensed insurance broking agencies
- Government or regulatory authorities (when legally required)
We do not sell, trade, or misuse customer data.
5. Data Protection & Security
FIVS follows reasonable security practices as prescribed under Indian IT laws and regulatory standards. Access to sensitive data is restricted and monitored.
Despite best efforts, no online platform can guarantee complete security.
6. IRDAI & RBI Compliance Statement
- FIVS operates strictly as a consultancy and facilitation service provider.
- Insurance products are offered through IRDAI-registered insurers and licensed intermediaries.
- Loan and credit services are facilitated through RBI-regulated banks and NBFCs.
- Final approvals, pricing, underwriting, and claim decisions rest solely with the respective institutions.
7. Cookies Policy
Our website may use cookies to improve user experience and performance. Users may disable cookies through browser settings.
8. User Rights
Customers may request:
- Access to personal data
- Correction of inaccurate information
- Withdrawal from marketing communication