Privacy Policy

1. Overview & Introduction

Horizon Finance (“we”, “our”, “us”), operating under Licence No. 32120328036, is committed to protecting the privacy and confidentiality of personal and financial information provided by our customers, website visitors, and loan applicants. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website https://horizonfinanz.com, apply for loans, or interact with our customer support.

2. Information We Collect

We collect information necessary to evaluate loan applications, verify identities, fulfill regulatory requirements, and deliver customer service:

• Personal Identity Data: Full name, date of birth, residential address, Aadhaar number, PAN card details, and photo identification.
• Contact Information: Mobile number, WhatsApp phone number, and email address.
• Financial Information: Income details, bank account numbers, existing loan details, and gold ornament valuation data.
• Technical & Usage Data: IP address, browser type, device information, and site interaction logs.

3. How We Use Your Information

Your information is used strictly for legitimate financial and administrative purposes, including:

• Processing Gold Loan, Car Re-Finance, Top-Up Loan, and Personal Loan applications.
• Verifying identity, customer due diligence, and KYC compliance under applicable Indian laws.
• Contacting you regarding loan status, interest schedules, repayment reminders, and customer support.
• Generating official brochure downloads, loan calculation estimates, and digital receipts.
• Preventing fraud, unauthorized transactions, and financial misrepresentation.

4. Data Storage & Security Measures

We implement robust physical, electronic, and procedural safeguards to secure your personal data. All physical gold assets are stored in bank-grade secure vaults with 24/7 surveillance and insurance. Digital records are stored on secure servers with encrypted communication protocols. Access to customer data is strictly restricted to authorized staff on a need-to-know basis.

5. Information Sharing & Disclosure

Horizon Finance does not sell, rent, or trade your personal information to third parties for marketing purposes. Information may only be shared with:

• Partner banking institutions and accredited vault/storage partners involved in loan processing.
• Regulatory authorities, law enforcement agencies, or courts when mandated by law or court order.
• Authorized service providers bound by strict confidentiality obligations.

6. Your Rights & Contact Information

You have the right to request access to, correction of, or updating of your personal information stored with us. For any privacy-related queries or requests, please contact our Compliance Officer: