Effective Date: [10/10/2025]

PNJ Finserv (“we,” “our,” “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services related to loans, insurance, real estate, and investments.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, address, PAN, Aadhaar or other identity details, financial documents (when applying for loans or insurance).

• Service-related Information: Loan or policy applications, payment history, property details, and investment preferences.

• Technical Information: IP address, browser type, device information, and cookies to enhance your browsing experience.

2. How We Use Your Information

We use your personal information to:

• Provide and manage our services (loans, insurance, real estate, investments).

• Process your applications, requests, and transactions.

• Communicate with you regarding services, offers, and updates.

• Improve our website, services, and customer support.

• Comply with legal, regulatory, and security requirements.

3. How We Share Your Information

We do not sell or rent your personal information. We may share your information only:

• With our trusted partners, financial institutions, or service providers to deliver services.

• When required by law or regulatory authorities.

• To prevent fraud, enforce our terms, or protect the rights and safety of our clients.

4. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

• Personalize your browsing experience.

• Analyze website traffic and usage trends.

• Improve website performance and functionality.

You can manage or disable cookies through your browser settings.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal data from unauthorized access, disclosure, alteration, or destruction. However, no online data transmission or storage can be guaranteed to be 100% secure.

6. Your Rights

You have the right to:

• Access and review the personal information we hold about you.

• Request corrections to your personal information.

• Withdraw consent to certain uses of your data (subject to legal restrictions).

To exercise these rights, contact us at info@pnjfivserv.com