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Fair Practice Code

Finova Capital Private Limited (Hereinafter referred to as Company or Finova) is a Non Deposit Taking NBFC registered with the Reserve Bank of India. This document provides details of the practices which Finova follows to ensure fair and transparent dealings with its customers and is compliant with the RBI Circular DNBS CC No 320/03.10.001/2012-13 dated February 18, 2013. This code will enable employees to provide better customer service and maintain transparency in business dealings with its customers.
Application of the Code

This code shall apply to all employees of the company and other persons authorized to represent it in the course of its business with respect to all products and services.

Commitment

Company shall adhere to this code to act fairly and reasonably in all dealings, on the ethical principle of integrity and transparency, to meet the standard practices prevalent in the finance industry.

 

 

(i) Application for loans and their processing

 

(ii) Loan appraisal and terms/conditions 

 

(iii) Disbursement of loans including changes in terms and conditions 

 

(iv) General 

 

Confidentiality

The Company shall collect personal information that it believes to be relevant and required to understand the customers profiles and conduct its business. The Company shall treat all personal information of customers as private and confidential and shall not divulge any information to a third person unless required by any law or Government authorities including Regulators or Credit agencies or where the sharing of information is permitted by the customer. If company shall avail services of any third party for providing support services, Company shall require that such third parties handle customers personal information with the same degree of confidentiality.

Advertising, Marketing and Sales 

 

Guarantors

When a person is considered to be a guarantor to a loan, company shall inform him/her the following under acknowledgement:

 

Credit Bureau/ Reference agencies