Privacy Policy

1. Information We Collect

Personal Information:

• • Full name, date of birth, and age
• • Contact information (phone, email, address)
• • Identity documents (PAN, Aadhaar, Passport, etc.)
• • Employment and income details
• • Bank account and financial information
• • Credit history and score information
• • Property and asset details

Automatically Collected Information:

• • IP address and browser information
• • Device type and operating system
• • Website usage patterns and analytics
• • Cookies and tracking technologies

2. How We Use Your Information

• • Loan Processing: To evaluate and process your loan applications
• • Verification: To verify your identity, income, and creditworthiness
• • Communication: To contact you regarding your application and services
• • Risk Assessment: To assess credit risk and determine loan eligibility
• • Compliance: To comply with legal and regulatory requirements
• • Service Improvement: To improve our services and customer experience
• • Marketing: To send relevant offers and updates (with your consent)

3. Information Sharing and Disclosure

We may share your information with:

Financial Institutions:

• • Banks and NBFCs for loan processing
• • Co-lending partners and investors
• • Insurance companies for loan protection

Third-Party Service Providers:

• • Credit bureaus (CIBIL, Experian, Equifax, CRIF)
• • Document verification agencies
• • Property valuation companies
• • Legal and technical consultants
• • IT service providers and cloud storage

Legal and Regulatory Bodies:

• • Government authorities and regulators
• • Law enforcement agencies
• • Courts and tribunals
• • Tax authorities

4. Data Security Measures

• • Encryption: All sensitive data is encrypted during transmission and storage
• • Access Control: Strict access controls and authentication mechanisms
• • Firewalls: Advanced firewall protection and intrusion detection
• • Regular Audits: Periodic security audits and vulnerability assessments
• • Employee Training: Regular privacy and security training for staff
• • Secure Disposal: Secure deletion of data when no longer required

5. Data Retention

• • Personal data is retained only as long as necessary for business purposes
• • Loan-related documents retained as per RBI guidelines (minimum 8 years)
• • KYC documents retained as per regulatory requirements
• • Marketing data retained until you opt-out or withdraw consent
• • Website analytics data retained for 24 months

6. Your Rights and Choices

You have the right to:

• • Access: Request information about data we hold about you
• • Correction: Request correction of inaccurate or incomplete data
• • Deletion: Request deletion of your data (subject to legal requirements)
• • Portability: Request transfer of your data to another service provider
• • Withdrawal: Withdraw consent for marketing communications
• • Objection: Object to processing of your data for marketing purposes

7. Cookies and Tracking

We use cookies to:

• • Remember your preferences and settings
• • Analyze website traffic and user behavior
• • Provide personalized content and advertisements
• • Improve website functionality and performance

You can control cookies through your browser settings, but disabling cookies may affect website functionality.

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 encourage you to review their privacy policies before providing any personal 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 children. If we become aware of such collection, we will take steps to delete the information immediately.

10. International Data Transfers

Your data may be transferred to and processed in countries outside India for:

• • Cloud storage and backup services
• • Technical support and maintenance
• • Analytics and business intelligence

We ensure appropriate safeguards are in place for such transfers.

11. Changes to Privacy Policy

We may update this privacy policy from time to time. Material changes will be notified through:

• • Email notifications to registered users
• • Prominent notices on our website
• • SMS notifications for significant changes

12. Contact Information

For privacy-related queries, complaints, or to exercise your rights, contact us: