Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

Privacy Policy

At SMFG India Credit Co. Ltd.(Formerly Fullerton India Credit Co. Ltd.) (“SMFG India Credit”) we are strongly committed to protect the personal and financial information that the customer submits to us and would endeavor to protect it from unauthorized use.

Collection of Information

In the course of using SMFG India Credit website/mobile app or availing the products and services vide the online application forms/mobile app and questionnaires, SMFG India Credit may become privy to the personal information of its customers, including information that is of a confidential nature.

SMFG India Credit is strongly committed to protecting the privacy of its customers and has taken all necessary and reasonable measures to protect the confidentiality of the customer information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Commitment or in terms of the agreements, if any, with the Customers.

In addition, like most Sites/mobile apps, SMFG India Credit will use small bits of data called “cookies” stored on the users’ computers/mobile phones to stimulate a continuous connection. “Cookies” let store information about customers’ preferences and passwords and allow customers to move to different pages of our secure Site/mobile app without having to re-enter their password information. Any information collected is stored in secure databases protected via a variety of access controls and is treated as confidential information by SMFG India Credit.

Therefore, the customers should be careful with usage of the username and password by maintaining confidentiality and ensure that customers do not knowingly or accidentally share, provide and facilitate unauthorized use of it.

Use and disclosure of Personal & Financial Information

The POS machine transactions in Rural business are routed through Pinelabs terminals. SMFG India Credit will protect customer's personal information against unauthorized use, dissemination or publication in the same manner in which SMFG India Credit would protect its confidential information of like nature over website/mobile app. However under certain conditions SMFG India Credit may share this information.

SMFG India Credit may use the personal information to improve its services to customers and to keep customers updated about our new products or other information that may be of interest to the customer. SMFG India Credit may share information in the course of normal business operations, such as providing services the customer has subscribed for, and any activity related to these services such as collection of fee. It may become necessary for SMFG India Credit to disclose customer personal information to its agents and contractors in the course of normal business operations for the above referred purpose. However, these parties would be required to use the information obtained from SMFG India Credit for such purposes exclusively. SMFG India Credit will endeavor to take all reasonable steps to ensure that the confidentiality of customer information is maintained by imposing strict confidentiality standards on all the third parties to whom it discloses such information.

SMFG India Credit may be required to disclose customer personal and financial information to the statutory authorities in connection with any legal process that may be initiated by such authorities in accordance with applicable laws.

SMFG India Credit may also share customer information to provide customers with superior services and a range of offers. SMFG India Credit may use this information to advise customers about products, services and other marketing materials, which SMFG India Credit think may be of interest to customers. SMFG India Credit may also invite visitors to this site to participate in market research and surveys and other similar activities. If one desires SMFG India Credit to limit such sharing whereby one would not like to be informed of offers available one may contact SMFG India Credit at  . Otherwise, SMFG India Credit will use the customer information to improve visitor experience on the site and make subsequent offers to the visitor on products which may be of interest to him / her.

The customer authorizes SMFG India Credit to exchange, share, part with all information related to the details and transaction history of the Customers to its Affiliates / Subsidiaries / Banks / Financial institutions / Credit bureaus / Agencies/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold SMFG India Credit liable for use or disclosure of this information.

The POS machine transactions in Rural business are routed through Pinelabs terminals.

Exclusions from Privacy Policy

Other websites/mobile app that customers may access via website/mobile app may have different privacy policies and access to such web sites/mobile app will not be subject to this privacy policy. SMFG India Credit recommends that customers read the privacy statement of each such websites/mobile apps to find out how they protect customer personal information.


Due to changes in legislation or enhancements to functionality and content on the website, SMFG India Credit may make changes to privacy policy (without being obliged to do so) and would reflect those changes in this privacy policy statement. Hence customers are requested to go through the privacy policy statement on a regular basis.

Non Binding

Please note that this privacy policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

Prohibited Actions

While using SMFG India Credit website/mobile app, the customer agrees not to, by any means (including hacking, cracking or defacing any portion of the Site) indulge in illegal or unauthorized activities including the following:

  • Restrict or inhibit any authorized user from using SMFG India Credit website/mobile app
  • Use the website/mobile app for unlawful purposes
  • Harvest or collect information about website/mobile app users without their express consent
  • "Frame" or "mirror" any part of the website/mobile app without our prior authorization
  • Engage in spamming or flooding
  • Transmit any software or other materials that contain any virus, time bomb, or other harmful or disruptive component
  • Remove any copyright, trademark or other proprietary rights notices contained in the website/mobile app
  • Use any device, application or process to retrieve, index, "data mine" or in any way reproduce or circumvent the navigational structure or presentation of the website/mobile app
  • Permit or help anyone without access to the Site to use the Site through your username and password or otherwise

At SMFG India Credit, we only do what’s right for you and will at all points of time strive to ensure your privacy.