Privacy Policy

By providing your phone number on TwinSalary.com, you authorize TwinSalary.com and its representatives to contact you for offering services related to the product you selected, sharing product knowledge, promotional offers on the website, and offers from partner banks. This consent applies regardless of your registration under DND (Do Not Disturb) or DNC (Do Not Call) services. By leaving your number on our website, you agree to receive such calls, and no DNC check is required.

TwinSalary.com is dedicated to protecting the confidentiality, integrity, and security of your personal information. This Privacy & Security Policy explains how we safeguard your information provided through our websites, including www.TwinSalary.com, and how we use it in connection with our services ("Services"). "Personal information" refers to information that can identify you, such as your name, address, phone number, or email address.

TwinSalary.com maintains high privacy and security standards to protect your personal information. Our policies are regularly updated to address new challenges and advancements.

Your personal information will never be sold or rented to anyone. TwinSalary.com uses and discloses your information only as follows:

To analyze site usage and improve the Service.
To send you administrative notices, offer alerts, and communications relevant to your use of the Service.
To enable you to apply for products and services you have chosen.
For market research, project planning, troubleshooting, detecting and protecting against fraud or criminal activity.
To third-party contractors providing services to TwinSalary.com, bound by the same privacy restrictions.
To enforce TwinSalary.com's Terms of Use.
As outlined in this Privacy and Security Policy.

If you access the Service via a co-branded URL, your personal information may be shared with the co-brand partner. TwinSalary.com has a business relationship with these partners, and you cannot opt out of sharing your information if you apply through a co-branded URL.

Collection, Processing, Disclosure and Sharing Of Information

During the application process, you may need to provide/upload personal information, including your name, email address, gender, date of birth, mobile number, passwords, photograph, mobile phone information (contacts, SMS, phonebook), financial information (salary slips, bank statements, PAN card, bank account number), data from Credit Information Companies, and KYC details ("Personal Information"). You are responsible for ensuring the accuracy and truthfulness of the information you provide.

Certain areas and features of TwinSalary.com can be accessed without providing information, but other features, such as applying for a loan, require providing details like name, email address, address, mobile number, PAN number, employment, photograph, income details, co-loan applicant information, password, and username (collectively "Registration Information").

We may request additional personal information to provide more Service benefits. You can choose whether to provide this information, and it will be used only for the stated purpose. TwinSalary.com may anonymize or aggregate personal information and disclose it in a non-personally identifiable manner for:

Marketing and promotional purposes by third parties.
Comparing personal financial situations within the broader community.

Such information does not identify you individually. Access to your personal information is restricted and used only in accordance with specific procedures and safeguards. We may use third-party service providers to help provide the Service, such as sending emails or hosting features. These third parties are contractually obligated to use your information solely for the product or service they provide and to maintain its confidentiality.

Storage of your Personal Data

We store and process your personal data exclusively in India, in compliance with RBI regulations. Your data is secure with us.

Sharing of your Personal Data

Your personal data will not be shared without your consent. We seek explicit consent before using or sharing your data. In our business processes, we share data only on a need-to-know basis with designated partners or service providers.

Usage of your Personal Data

We use your personal data for business and banking activities, including:

Facilitating loans and advances.
Downloading and sending account statements.
Processing applications for banking services.
Sharing updates and promotional offers.

Changes to your registration information

If your registration information changes, you can update it when applying for a new product. To review and update your personal information while your application is in process, contact support@TwinSalary.com. Once a decision has been made, you cannot update the information in the application but can submit a new application with updated information.

We retain your information as long as your account is active or needed to provide services. If you wish to cancel your account or stop using your information, contact support@TwinSalary.com. We retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

Session Information

We use session information to improve your site experience. When you visit TwinSalary.com, we may collect technical and navigational information, such as operating system type, browser type, IP address, pages visited, and average time spent. This information helps improve the site and address compatibility issues. "Cookies" are text files stored by your browser. TwinSalary.com may set and access cookies to track your preferences and enhance your experience. You can delete or stop cookies, but this may impair site functionality. We encrypt our cookies for security.

Web beacons measure and analyze site usage. TwinSalary.com or third-party providers may use web beacons to study site usage and improve the Service.

We encrypt our cookies so that only we can interpret them.

We use Google Analytics and other third-party tracking services to capture usage statistics. These third parties use cookies but do not collect personal information. Our privacy policy covers only the use of cookies by TwinSalary.com, not by third parties.

Behavioral Targeting / Re-Targeting

We partner with third-party ad networks to manage our advertising on other sites. These partners use cookies and web beacons to collect non-personal information about your activities on this and other sites to provide targeted advertising based on your interests. You can opt out of targeted ads but will still receive generic ads.

Third-Party Services

Your personal information will not be shared with third parties unless you ask us to. If you apply for products or services from third parties, their use of your information is governed by their privacy policies. Evaluate these practices before using their services. TwinSalary.com is not responsible for third parties' privacy practices.

Testimonials, Blogs and forums

With your consent, we may post your testimonial with your name. To remove your testimonial, contact support@TwinSalary.com. Information submitted in blogs or forums can be read and used by others. We are not responsible for the information you choose to submit. To request removal of personal information from blogs or forums, contact support@TwinSalary.com.

Additional Policy Information

Our website includes widgets, which are interactive mini-programs from other companies. Personal information collected by widgets is governed by their privacy policies.

Linking to our site through social networking services like Facebook and Twitter allows you to share certain information with us. Social media services may collect information about your site activities. We are not responsible for the privacy practices of third-party sites linked to our website.

Disclosure of information

TwinSalary.com may share or disclose your information as required by law, to protect rights, investigate fraud, or respond to government requests. In a merger, acquisition, or sale of assets, you will be notified of changes in ownership and your choices regarding your information. We may share information with third parties with your prior consent.

Email & SMS Communications

Registered customers receive periodic emails and SMS alerts. You can opt out of promotional emails and newsletters but will still receive service-related communications.

Data Security

We use firewalls, encryption, and authentication procedures to protect your online sessions and prevent unauthorized access. Your registration information is transmitted securely. Our servers are in secure facilities with restricted access. We encrypt your password and backup drives. Employees cannot transfer sensitive content to insecure machines.

For security concerns, contact privacy@TwinSalary.com. We will respond promptly.

Policy Updates

We may update this policy to reflect changes in our information practices. We will notify you of material changes via email or a site notice. Review this page periodically for updates.

Permissions Required

Camera: We request access to your camera to upload a profile picture as part of the loan application process.

Contact us with any questions or concerns

If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to support@twinsalary.com

Our RBI registered NBFCs/lending partners: F Mec International Financial Services Ltd

Official Website: https://fmecinternational.com

Official Partner Page: https://fmecinternational.com/twinsalary.html

Our policies & services are fully regulated & 100% RBI compliant in all processes, duly defined by RBI.

Customer Support:

Email: support@twinsalary.com