Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your information.

1. Information We Collect

We collect information that you provide directly to us when applying for our loan services. This includes:

Personal Information:

• Full name and contact details
• Date of birth and age
• Address and residential information
• Phone number and email address
• Government-issued ID numbers (Aadhaar, PAN, etc.)

Financial Information:

• Income details and employment information
• Bank account details
• Credit score and credit history
• Loan amount requested and purpose

Technical Information:

• IP address and browser information
• Device information and operating system
• Website usage patterns and preferences
• Cookies and similar technologies

2. How We Use Your Information

We use the collected information for the following purposes:

• Processing and evaluating loan applications
• Verifying your identity and creditworthiness
• Communicating about your application status
• Providing customer support and assistance
• Complying with legal and regulatory requirements
• Preventing fraud and maintaining security
• Improving our services and website functionality
• Sending relevant updates and notifications

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

With Your Consent:

We will share your information when you have given us explicit consent to do so.

For Legal Compliance:

• With regulatory authorities (RBI, government agencies)
• Credit bureaus for credit assessment and reporting
• Law enforcement when required by law

Service Providers:

• Third-party verification agencies
• Payment processors and banks
• Technology service providers (with data protection agreements)

4. Data Security

We implement robust security measures to protect your personal and financial information:

• SSL encryption for all data transmission
• Secure servers with regular security updates
• Access controls and authentication measures
• Regular security audits and monitoring
• Employee training on data protection
• Compliance with industry security standards

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including legal and regulatory requirements. Typically:

• Active loan accounts: For the duration of the loan plus 7 years
• Application data: Up to 7 years from application date
• Marketing preferences: Until you opt out
• Legal compliance: As required by applicable laws

6. Your Rights and Choices

You have the following rights regarding your personal information:

Access and Correction:

• Request access to your personal information
• Correct inaccurate or incomplete information
• Update your contact preferences

Communication Preferences:

• Opt out of marketing communications
• Choose your preferred communication channels
• Update notification settings

Data Portability:

Request a copy of your data in a structured, machine-readable format where technically feasible.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your website experience:

• Essential cookies for website functionality
• Analytics cookies to understand usage patterns
• Marketing cookies for relevant advertising
• Preference cookies to remember your settings

You can manage cookie preferences through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We recommend reviewing their privacy policies before providing any information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we become aware of such collection, we will delete the information promptly.

10. Updates to Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes through our website or other appropriate channels.

11. Contact Us

If you have questions about this privacy policy or how we handle your personal information, please contact us: