1. Who we are
This Privacy Policy explains how FinClick360 Technologies Private Limited ("FinClick360", "we", "us", "our"), a company incorporated in India with its office at 703 Wealth Space Skyline, Station Road, Vidhyavihar West, Mumbai 400086, Maharashtra, India, collects, uses, shares and protects information when you use our website www.finclick360.com, our web and mobile applications, and related services (together, the "Platform").
This policy is published in line with the Digital Personal Data Protection Act, 2023 and the rules made under it (together, the "DPDP Law"), the Information Technology Act, 2000 and other applicable Indian laws.
By registering on or using the Platform, you confirm that you have read and understood this policy.
2. Our role with your data
Your own information (the information about you and your users that you give us to set up and run your account): FinClick360 decides how this is used and acts as the Data Fiduciary.
Information about your debtors, creditors and other business contacts that is contained in the accounting data you sync or upload (for example, from Tally): we process this on your behalf and on your instructions, to provide the services you use, such as ledger sharing and payment reminders. You are responsible for having the right to share this information with us and to contact these parties.
3. Information we collect
3.1 Account and business information
Name, mobile number, email address, designation, business name, business address, GSTIN, PAN and other details you give us at registration or later.
3.2 Accounting and financial data
Data you sync or upload from your accounting software (including Tally), such as ledgers, invoices, receivables, payables, outstanding balances, transaction history, and the names and contact details of your debtors and creditors.
3.3 Usage and device information
Pages and features used, log data, IP address, browser and device type, operating system, app version and crash reports.
3.4 Communications
Messages, support requests and feedback you send us, and records of reminders and calls sent through the Platform on your instructions.
3.5 Payment information
When you purchase a plan or AI credits, payment is processed by our third-party payment partners or by bank transfer. We receive confirmation of the payment and billing details. We do not store your full card or bank account details.
4. How we use your information
We use your information to:
- create and manage your account and verify your identity;
- provide the Platform's features, including dashboards, ledger sharing, and payment reminders through WhatsApp, email and AI calling on your instructions;
- provide customer support and send service-related messages (such as account, billing and security notices);
- carry out internal analytics (see section 5);
- provide AI-based analysis, only where you have bought AI credits and given consent (see section 6);
- share your data with a bank or financial institution, only with your specific consent (see section 7);
- detect, prevent and investigate fraud, misuse and security incidents; and
- comply with legal obligations and respond to lawful requests from authorities.
We do not sell your personal data or your business data to anyone.
5. Internal analytics
We use the data on the Platform for internal analytics so we can understand how the Platform is used, fix problems, improve features and plan new ones. Where possible we use aggregated or de-identified data for this purpose. Internal analytics is carried out by FinClick360 and its service providers working for us, and the results are used only within FinClick360. We do not publish or share any analytics that identify you, your business, your debtors or your creditors.
6. AI features and AI credits
6.1 When AI is used
Certain features ("AI Features") use large language models from third-party AI providers, currently OpenAI and Anthropic (Claude). AI Features are used only if you purchase AI credits and accept the AI consent at the time of purchase.
6.2 What we send to AI providers
To generate the output you request, we send the relevant financial data from your account, such as ledger entries, invoice values, outstanding amounts, transaction history and summary figures, together with the instruction needed to perform the analysis.
6.3 What we do not send to AI providers
We do not send the contact information of you, your debtors or your creditors to AI providers. This includes mobile numbers, email addresses and postal addresses. We remove or mask this information before any data is sent.
6.4 Your authorisation
By purchasing AI credits and accepting the AI consent, you authorise FinClick360 Technologies Private Limited to share your financial data, as described in 6.2, with the AI providers listed above, for the purpose of AI analysis and returning the output to you.
6.5 How AI providers handle the data
AI providers process the data to generate a response and return it to us. We use these providers under their business / API terms, which do not permit them to use the data to train their models. These providers may process data on servers located outside India (see section 9).
6.6 Withdrawing consent
You can withdraw your AI consent at any time from your account settings or by writing to us. Once you withdraw, we will stop sending your data to AI providers, and AI Features will no longer be available on your account. Withdrawal does not affect processing done before it.
6.7 Accuracy
AI outputs are generated automatically and may be incomplete or inaccurate. Please review them before relying on them for any business, financial, tax or legal decision.
7. Sharing with banks and financial institutions
FinClick360 is not a bank, lender or non-banking financial company, and we do not make credit decisions. With your specific prior consent, we may share your data with a bank or financial institution that you choose, where the bank requires it for:
- a loan or credit facility you have applied for or are exploring;
- invoice discounting; or
- periodic (for example, monthly) statements or information the bank requires from you under an existing facility.
Before any sharing, we will tell you which bank will receive the data, what data will be shared and the purpose. We will not share your data with any bank or financial institution without your consent.
You may withdraw consent for future sharing at any time. Once a bank receives your data, its own privacy policy and terms apply to its use of that data.
8. Other sharing
Apart from sections 6 and 7, we share information only:
- with service providers who help us run the Platform, such as cloud hosting, database, messaging (WhatsApp business service providers), email delivery, telephony and AI calling, analytics, customer support and payment providers. They may use the data only to provide services to us and are bound by confidentiality and data protection obligations;
- with people you authorise, such as your team members, accountants or other users you add to your account;
- when the law requires it, such as in response to a court order, a request from a government authority, or to protect the rights, safety or property of FinClick360, our users or others; and
- in a business transfer, such as a merger, acquisition or sale of assets, where the recipient will be bound to protect your data in line with this policy.
9. Data storage and transfers outside India
Your data is primarily stored on servers with reputed cloud service providers. Some service providers, including AI providers, may process data outside India. Any such transfer is made in accordance with the DPDP Law and is not made to any country that the Government of India has restricted.
10. How long we keep your data
We keep your data while your account is active and for as long as needed to provide the Platform. After you close your account, or when the purpose for which the data was collected is complete, we will delete or anonymise your data within 90 days, unless we are required to keep it longer under law (for example, tax, accounting or audit requirements), or need it to resolve disputes or enforce our agreements.
11. Security
We use reasonable security measures to protect your data, including encryption in transit and at rest, access controls, logging and monitoring, and regular security reviews. No system is completely secure. If a personal data breach occurs, we will inform affected persons and the Data Protection Board of India as required by the DPDP Law.
12. Your rights
Subject to the DPDP Law, you have the right to:
- access a summary of your personal data we process and the processing activities;
- correct, complete or update your personal data;
- erase your personal data, where it is no longer needed and we are not required to keep it by law;
- withdraw consent you have given, including AI consent and bank-sharing consent;
- nominate another person to exercise your rights in the event of your death or incapacity; and
- raise a grievance with us, and, if not resolved, approach the Data Protection Board of India.
To exercise these rights, write to connect@finclick360.com. We may need to verify your identity before acting on a request.
If you are a debtor, creditor or other contact of one of our customers and have a question about your data, please contact that customer first. We will assist them in responding to you.
13. Children
The Platform is meant for businesses and is not intended for anyone under 18 years of age. We do not knowingly collect personal data of children.
14. Cookies
We use cookies and similar technologies to keep you signed in, remember your preferences, and understand how the Platform is used. You can control cookies through your browser settings, though some features may not work without them.
15. Grievance Officer
If you have any questions, concerns or complaints about this policy or how your data is handled, contact our Grievance Officer:
We will acknowledge your complaint promptly and aim to resolve it within 30 days.
16. Governing law and jurisdiction
This policy is governed by the laws of India. Any dispute, claim or matter arising out of or in connection with this policy or the processing of your data shall be subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra, and no other court shall have jurisdiction. This does not limit any right you have under the DPDP Law to approach the Data Protection Board of India.
17. Changes to this policy
We may update this policy from time to time. We will post the updated version on this page with a new "Last updated" date, and notify you by email or in-app notice of any material change. Where a change requires fresh consent under law, we will ask for it.