SilverLake Financial Technologies Pvt. Ltd. ("Brihas", "we", "us") operates as a Lending Service Provider (LSP) under RBI's Digital Lending Directions, 2025. We are committed to protecting your personal data in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and all applicable RBI circulars on data governance.
2. Data We Collect
We collect business entity information (name, PAN, GSTIN, registered address), authorized signatory details (name, email, phone, KYC documents), transactional data processed through our platform, device and usage information necessary for platform security, and any information you voluntarily provide through our forms or communications.
3. How We Use Your Data
Your data is used exclusively for facilitating financial services through our partner RBI-regulated institutions, platform operation and improvement, regulatory compliance including KYC/AML obligations, communication regarding your account and our services, and fraud detection and prevention.
4. Data Storage & Localization
In compliance with RBI's data localization requirements (RBI/2017-18/153), all payment system data and personal financial data is stored exclusively on India-based servers. Any data processed abroad for operational purposes is deleted within 24 hours as mandated.
5. Data Sharing
We share data only with our partner RBI-regulated banks and NBFCs as required for service delivery, regulatory authorities and law enforcement when legally required, and service providers who process data on our behalf under strict contractual obligations. We never sell your personal data to third parties.
6. Your Rights Under DPDP Act
You have the right to access your personal data held by us, request correction of inaccurate data, request erasure of data (subject to regulatory retention requirements), withdraw consent for data processing, and nominate a representative for data rights. To exercise these rights, contact our Data Protection Officer at dpo@brihas.in.
7. Data Retention
We retain your data for the duration of your account's active status and for such additional period as required by applicable laws, including a minimum of 5 years after account closure per RBI KYC/AML directions and CERT-In's 180-day log retention requirements.
8. Security
We implement bank-grade security measures including encryption at rest and in transit, multi-factor authentication, regular security audits by CERT-In empanelled auditors, and incident response procedures compliant with the 6-hour reporting mandate under CERT-In directions.
9. Updates to This Policy
We may update this policy to reflect regulatory changes or operational improvements. Material changes will be communicated via email and platform notification.
10. Contact
For privacy-related queries: dpo@brihas.in. For general queries: hello@brihas.in
Terms of Use
Last updated: March 2026
1. About Brihas
Brihas is a product of SilverLake Financial Technologies Pvt. Ltd., a company incorporated under the laws of India. We operate as a Lending Service Provider (LSP) under the RBI (Digital Lending) Directions, 2025, in partnership with RBI-regulated banking institutions. Brihas itself is not a bank, NBFC, or deposit-taking institution.
2. Eligibility
Our services are available to Indian-registered businesses including private limited companies, LLPs, partnership firms, sole proprietorships, and registered freelancers. You must be 18 years or older and an authorized representative of the business entity to use our platform.
3. Financial Services Disclaimer
All financial products — including business accounts, corporate cards, and working capital facilities — are issued and managed by our partner RBI-regulated banks and NBFCs. Brihas acts as a technology and service intermediary. All loan disbursals flow directly from the lending partner's accounts to the borrower's bank account as mandated by RBI directions. Brihas does not hold or pool borrower funds at any stage.
4. User Obligations
You agree to provide accurate and current KYC and business information, not misuse the platform for money laundering, terrorism financing, or any illegal activity, comply with all applicable laws and RBI regulations, maintain the confidentiality of your account credentials, and promptly notify us of unauthorized access.
5. Intellectual Property
All content, trademarks, software, and design elements on this platform are the property of SilverLake Financial Technologies Pvt. Ltd. and protected under Indian intellectual property laws.
6. Limitation of Liability
Brihas provides the platform on an "as is" basis during the beta period. We are not liable for decisions made by partner banks regarding credit approval or account opening, service interruptions due to regulatory actions or force majeure, or losses arising from unauthorized access due to your failure to secure credentials.
7. Governing Law
These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.
8. Contact
For terms-related queries: legal@brihas.in
Grievance Redressal
Last updated: March 2026
Our Commitment
In accordance with RBI's Fair Practices Code and the Digital Lending Directions, 2025, Brihas is committed to providing a transparent and accessible grievance redressal mechanism for all users.
Level 1 — Customer Support
For any complaints or concerns, reach us first at support@brihas.in or through the in-app support channel. We acknowledge all complaints within 24 hours and aim to resolve them within 7 working days.
Level 2 — Grievance Officer
If your complaint is not resolved satisfactorily at Level 1, or within the stipulated timeframe, you may escalate to our designated Grievance Officer. Email: grievance@brihas.in. The Grievance Officer will respond within 48 hours and resolve the matter within 15 working days.
Level 3 — Lending Partner's Grievance Mechanism
Since all financial products are issued by our RBI-regulated partner institutions, you may also approach the respective lending partner's grievance redressal mechanism. Details of the relevant partner and their grievance contact will be provided in your Key Fact Statement (KFS) and loan agreement.
Level 4 — RBI Ombudsman
If your complaint remains unresolved after 30 days, you have the right to approach the RBI Integrated Ombudsman Scheme. Complaints can be filed online at cms.rbi.org.in or by calling 14448. This is a free-of-cost mechanism established by the Reserve Bank of India for consumer protection.
Response Timelines
Acknowledgement: Within 24 hours. Level 1 resolution: Within 7 working days. Level 2 resolution: Within 15 working days. Final escalation: RBI Ombudsman available after 30 days if unresolved.
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