We value your privacy and are committed to safeguarding your personal and financial information.
1.1 Information We Collect
- Personal identification details: Name, Date of Birth, Gender, Photograph
- Contact details: Phone Number, Email, Residential/Office Address
- Identity & KYC documents: Aadhaar, PAN, Passport, Driving License, Voter ID
- Financial information: Bank account details, Income proof, Employment information, Credit score/history
- Transactional information: Loan details, Repayment history, Repayment mandate details (eNACH/UPI/Bank Transfer)
1.2 Purpose of Data Collection
- Loan application processing
- KYC verification (as per RBI Master Directions)
- Repayment management via eNACH or other digital modes
- Regulatory reporting to RBI/NPCI and partner NBFCs/Banks
- Fraud detection, risk analysis, and customer due diligence
1.3 Data Storage & Security
- Data is stored in encrypted format on secure servers located in India
- Multi-level access controls are applied; only authorised personnel can access sensitive data
- Regular audits are conducted to ensure compliance with IT Act, 2000 and DPDP Act, 2023 (Digital Personal Data Protection Act)
1.4 Data Sharing
- Data may be shared with Banks, NBFCs, Auditors, Credit Bureaus (CIBIL, Experian, etc.), Regulators, and Law Enforcement agencies only for lawful purposes
- We do not sell, rent, or misuse customer data for marketing without explicit consent
1.5 Customer Rights
- Right to access your personal data
- Right to request correction of inaccurate information
- Right to withdraw consent (subject to ongoing loan obligations)
- Right to raise privacy-related grievances with our Grievance Officer