What they may do · DPDP §6(4)
What Bajaj Finserv (Bajaj Finance Limited) does with your data
A lender that profiles you via persistent cookies, runs AI facial recognition at its branches, sends data to CIBIL, Experian, CRIF and named analytics partners, and keeps records 5-10 years after you leave — or longer to improve its own products.
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Shares your data with partners
Passed to group companies, advertisers or analytics firms you never chose.
What this costs you. Your number and habits travel to companies you have never heard of and never agreed to. This is the step where the spam calls start.
Show me where they say that
Bajaj Finserv (Bajaj Finance Limited)’s own policy says “To be shared with CICs (CIBIL, Experian, CRIF) for bureau check and with partners, namely, Clevertap and UserExperior from within our Digital Lending Application (DLA) for behavioral analytics.”
Our summary information is shared with the credit bureaus CIBIL, Experian and CRIF for bureau checks and with named behavioural-analytics partners Clevertap and UserExperior; the policy elsewhere also covers sharing with BFL's Group companies, subsidiaries, service providers and Debt Management Services agencies.
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Builds an advertising profile of you
They watch what you view, tap and buy, and use it to decide which ads you see.
What this costs you. Your attention gets priced. What you hesitate over becomes a bid — and a profile built to predict you is a profile built to persuade you.
Show me where they say that
Bajaj Finserv (Bajaj Finance Limited)’s own policy says “use persistent cookies which are permanently placed on User’s computer to store non personal (Browser, ISP, OS, Clickstream information etc.) and profiling information (age, gender, income etc.).”
Our summary persistent cookies placed on the user's device store clickstream data plus profiling attributes such as age, gender and income; the policy separately lists advertising exclusive offers, promotions and customised search results among its stated purposes.
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Follows you onto other websites and apps
Their tracking carries on after you leave, through pixels and SDKs embedded elsewhere.
What this costs you. You get recognised on sites that have nothing to do with them. Closing the app does not close the file.
Show me where they say that
Bajaj Finserv (Bajaj Finance Limited)’s own policy says “To automatically populate third-party pages when you click on advertisements within app/website.”
Our summary clicking an advertisement inside the Bajaj Finance app or website causes the user's details to be automatically populated into the third party's pages. The scope disclosed is data flowing outward on an ad click — the policy does not describe pixels or SDKs placed on unrelated sites.
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Keeps your records long-term
Held on after you stop using the service.
What this costs you. Years after you delete the app, the record is still sitting there — and every year it sits there is another year it can leak.
Show me where they say that
Bajaj Finserv (Bajaj Finance Limited)’s own policy says “Information may be retained for an extended period (i) in case of requirement of any investigations under law or as part of any requirement before Courts/Tribunals/Forums/Commissions etc. and (ii) to enhance / improvise the products /services of BFL.”
Our summary retention may be extended beyond the published schedule both for legal proceedings and, separately, for BFL's own product and service improvement — an open-ended business purpose rather than a fixed statutory period.
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Processes your face or other biometrics
Face matching, liveness checks or similar.
What this costs you. You can change a leaked password in a minute. You cannot change your face. A biometric breach is permanent in a way nothing else is.
Show me where they say that
Bajaj Finserv (Bajaj Finance Limited)’s own policy says “By visiting such branches or authorized dealer stores, the User acknowledges and consents to the capture and limited processing of Users facial images for the purposes such as identity verification, service facilitation, and real-time matching with BFL’s internal customer database.”
Our summary AI-based facial recognition cameras at branches and authorised dealer stores capture users' facial images and match them in real time against BFL's internal customer database, and the data may be shared with authorised dealers.
What the policy does not mention
These are uses Bajaj Finserv (Bajaj Finance Limited)’s policy is silent on. Silence is not a promise — it means the document does not say, and we do not infer either way.
- Trains AI models on your content
Bajaj Finserv is one app. How many are on your phone?
Most people carry twenty to forty. Add yours and see the total in one screen — how many share your data, profile you for ads, or follow you across the web. Then take it back from all of them at once.
Manage my data with Saaph.in →Free to check · no account needed · built in India for the DPDP Act
Questions
What does Bajaj Finserv (Bajaj Finance Limited) do with my personal data?
According to Bajaj Finserv (Bajaj Finance Limited)'s own privacy policy, read on 2026-08-14, it discloses 5 of the six uses we track: shares your data with partners, builds an advertising profile of you, follows you onto other websites and apps, keeps your records long-term, processes your face or other biometrics.
Can I withdraw my consent from Bajaj Finserv (Bajaj Finance Limited)?
Section 6(4) of India's Digital Personal Data Protection Act 2023 gives you the right to withdraw consent for processing you agreed to. The Act's substantive provisions commence in stages up to May 2027, so a request made now asks for voluntary compliance and puts the date on record. Processing a company carries out under a legal obligation — such as KYC records the RBI requires — cannot be withdrawn.
Does Bajaj Finserv (Bajaj Finance Limited) track me for advertising?
Yes — Bajaj Finserv (Bajaj Finance Limited)'s published policy discloses this. The exact sentence it is based on is quoted on this page, with the date we read it and a link to the source.
Every use above is one Bajaj Finserv (Bajaj Finance Limited) declared in its own published privacy policy, which we
read on 2026-08-14. Quotes are verbatim; the summary beside each one is ours
and is labelled as ours. Nothing here is inferred.
Saaph.in is a DPDP consent and request management platform operated by Ronin Works
Private Limited. It is a communication facilitator, not your legal or authorised
representative. The DPDP Act 2023 commences in stages up to May 2027, so a request
made today asks for voluntary compliance and records the date you asked.
Our privacy policy