1. Regulatory Status
RitzFiN (RitzFin FinServ & Advisory) is a financial services and advisory firm engaged in providing loan solutions, Insurance and Investment consultation, and legal advisory services.

We operate as a:
Direct Selling Agent (DSA) ,Channel Partner, Financial Services & Advisory Firm, Legal Advisory service firm.
RitzFiN is not a Bank, NBFC, or Financial Institution.
We do not Accept public deposits, Lend money directly, Issue credit facilities in our own name. All financial products are offered in association with regulated Banks and Non-Banking Financial Companies (NBFCs). We are partnered with IRDA and SEBI registered Insurance and Mutual Funds companies.

2. Nature of Services
RitzFiN provides Personal Loan Assistance, Home Loan & LAP Sourcing, MSME / Business Loan Facilitation, Credit Card Sourcing, Car loan, Financial Documentation Assistance, General Financial Advisory & Consultation, Legal Advisory services
Final loan approval, interest rates, terms, and disbursement are solely at the discretion of the respective lending institution.

3. Transparency & Fair Practice
We are committed to Ethical sourcing practices, Transparent communication, no misleading promises, Clear disclosure of fees (if applicable), Responsible data handling
We do not guarantee loan approval. All approvals are subject to the lending institution’s internal policies and eligibility criteria.

4. Fees & Charges
RitzFiN may receive payout from partner banks/NBFCs as per industry norms.
Any service fee, if applicable, will be disclosed to the client in writing prior to engagement.
No hidden charges policy.
Legal Advisory Service may charge nominal Registration fees.

5. General Legal Disclaimer
RitzFiN (RitzFin Finserv & Advisory) provides legal advisory assistance through empaneled qualified advocates and legal professionals. RitzFiN is not a law firm. Legal opinions, drafting, and litigation services are rendered by independent licensed legal practitioners as per applicable Indian laws.

6. Loan & Banking Compliance Disclaimer
RitzFiN acts as a Direct Selling Agent (DSA) / Channel Partner for various Banks and NBFCs. Loan approvals, sanction terms, interest rates, and disbursements are at the sole discretion of the respective lending institution, subject to eligibility and regulatory norms prescribed by the Reserve Bank of India (RBI).

7. Investment & Mutual Fund Disclaimer
Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. RitzFiN acts as a distributor and does not guarantee returns.

8. Insurance Compliance Disclaimer
RitzFin work as a broker or intermediary for Insurance Companies. Insurance services are facilitated through licensed insurance intermediaries in accordance with regulations prescribed by the Insurance Regulatory and Development Authority of India (IRDAI). Policy issuance and claim settlement are subject to insurer terms and conditions.

9. Confidentiality Statement
All client information and documentation shared with RitzFiN are treated as confidential and handled in accordance with applicable data protection and privacy norms.

10. Grievance Redressal- For any concerns or complaints, clients may contact:
Email: ritzfinserv@gmail.com
Phone: 9707497283
We aim to resolve all grievances within 7–14 working days.
If unresolved, clients may escalate concerns directly to the respective lending institution.

PRIVACY POLICY
1. Information We Collect- RitzFiN may collect:
Name, contact details, PAN, Aadhaar, KYC documents, Income details, Employment /business information, Bank details, Credit-related information,etc
Information is collected only for the purpose of facilitating financial services.

2. Use of Information- Your information is used for:
Loan application processing
Eligibility assessment
Document verification
Communication with partner banks/NBFCs
Regulatory compliance requirements
We do not sell, trade, or rent personal information to third parties.

3. Data Sharing- Information may be shared with:
Partner Banks/NBFCs/ Insurance Companies/Mutual Fund Distributors
Credit bureaus (CIBIL, Experian, etc.)
Regulatory authorities, if required by law
We do not store sensitive personal data beyond what is required for business or regulatory purposes.
Data sharing is strictly limited to service-related purposes.

4. Data Protection- RitzFiN implements:
Secure digital storage
Restricted internal access
Confidential handling of client documents
Privacy and Confidentiality
We strive to protect your data against unauthorized access, misuse, or disclosure.

5. Consent- By submitting your information to “RitzFiN”, you:
Authorize us to share your details with partner financial institutions
Consent to verification of credit history
Agree to communication via phone, email, SMS, or WhatsApp

6. Cookies & Website Tracking- Our website may use cookies for:
Improving user experience
Analytics tracking
Service enhancement
Users may disable cookies through browser settings.

7. Policy Updates
RitzFiN reserves the right to update this Compliance & Privacy Policy periodically. Updated versions will be published on this page.

“RitzFiN – Commitment to Deliver customized Financial & Legal Solutions with Integrity, Expertise, and Trust.”