Privacy Policy

1. Introduction

LoanSarthi ("we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy describes how we collect, use, store, and share your information when you visit our website, use our services, or interact with our advertisements. We are dedicated to maintaining the confidentiality, integrity, and security of your personal data.

2. Information We Collect

2.1 Personal Information Directly Provided by You:

Full name, including first name, middle name, and surname
Business name, registration details, and business type
Contact information including email address, phone number, and alternate contact numbers
Residential and business addresses
Date of birth and age
Identity verification documents (PAN card, Aadhaar card, passport)
Business documents (GST registration, registration certificate, partnership deed)
Financial information including bank statements, balance sheets, profit and loss statements
GST returns, ITR returns, and other tax-related documents
Annual turnover, monthly revenue, and business financial details
Business vintage and operational history
Director or partner information (for businesses)
Guarantor information and guarantor documents
Purpose of loan and loan amount required
Collateral details (if applicable)

2.2 Information Collected Automatically:

IP address and device identifiers
Browser type, version, and settings
Operating system and device information
Pages visited, time spent on pages, and navigation paths
Referring and exit pages
Search terms used on our website
Clicks, downloads, and other user interactions
Geographic location based on IP address
Access times and dates
Cookies and tracking technologies data

2.3 Information from Third Parties:

Credit information from credit bureaus (CIBIL, Experian, Equifax, CRIF High Mark)
Bank account information through account aggregator services
GST return data from GST network
Business verification data from third-party services
Information from our advertising and technology partners
Social media information (if you choose to link social accounts)

3. How We Use Your Information

3.1 Primary Business Purposes:

Processing and evaluating loan applications
Performing credit assessments and risk analysis
Verifying identity and conducting KYC/AML checks
Communicating about loan status, approvals, and rejections
Disbursing approved loans and managing loan accounts
Collection activities for overdue payments
Providing customer support and resolving queries

3.2 Website and Service Improvement:

Analyzing website usage patterns and user behavior
Improving website functionality and user experience
Developing new features and services
Conducting market research and analysis
Performance monitoring and optimization

3.3 Legal and Compliance:

Complying with applicable laws and regulations
Responding to legal requests and court orders
Preventing fraud, money laundering, and other illegal activities
Meeting regulatory reporting requirements
Maintaining records as required by law

3.4 Marketing and Advertising:

Sending promotional emails and marketing communications
Displaying personalized advertisements
Running advertising campaigns on Google Ads and other platforms
Conducting remarketing and retargeting campaigns
Newsletter distributions and product updates
Creating marketing personas and segments

4. Information Sharing and Disclosure

4.1 Partners and Service Providers:

Banking partners and NBFC partners for loan processing
Payment gateway providers for transactions
Credit bureau agencies for credit checks
Technology service providers for website hosting and development
Customer support service providers
Marketing and advertising service providers
Data analytics and business intelligence providers
Cloud storage and computing service providers

4.2 Legal Requirements:

Government authorities as required by law
Regulatory bodies (RBI, SEBI, IRDA)
Law enforcement agencies
Courts and tribunals
Tax authorities
Anti-money laundering authorities

4.3 Business Transfers:

In case of merger, acquisition, or sale of business
During corporate restructuring or reorganization
Asset transfers or business combinations

5. Data Security and Protection

We implement industry-standard security measures including:

256-bit SSL encryption for data transmission
Encrypted data storage with advanced encryption standards
Regular security audits and vulnerability assessments
Access controls and multi-factor authentication
Employee training on data protection and privacy
Secure development practices and code reviews
Regular backups and disaster recovery procedures
Network security monitoring and intrusion detection
Physical security measures for data centers

6. Cookies and Tracking Technologies

We use various cookies and tracking technologies:

Essential cookies for website functionality
Performance cookies for analytics (Google Analytics)
Advertising cookies for personalized ads
Social media cookies for social sharing features
Session cookies and persistent cookies
Web beacons and pixel tags
Local storage and session storage

You can manage cookie preferences through your browser settings or our cookie consent tool.

7. Your Privacy Rights

You have the following rights regarding your personal information:

Right to access your personal data
Right to rectification of inaccurate information
Right to erasure (right to be forgotten)
Right to restrict processing
Right to data portability
Right to object to processing
Right to withdraw consent
Right to lodge complaints with regulatory authorities

8. Data Retention

We retain your information for as long as necessary to:

Fulfill the purposes for which it was collected
Comply with legal obligations
Resolve disputes and enforce agreements
Meet regulatory requirements

Specific retention periods:

Loan application data: 7 years after loan closure
Website analytics data: 26 months
Marketing data: Until opt-out request
Customer support records: 3 years

9. International Data Transfers

If we transfer your data internationally, we ensure:

Adequate protection through approved transfer mechanisms
Appropriate safeguards and security measures
Compliance with applicable data protection laws
Contractual protections with service providers

10. Privacy Policy Updates

This Privacy Policy may be updated periodically to reflect:

Changes in our practices
Legal or regulatory requirements
New features or services
Technology updates

We will notify you of significant changes through:

Email notifications
Website notices
In-app notifications

11. Contact for Privacy Matters

For privacy-related inquiries or to exercise your rights, please contact us through the appropriate channels available on our website or refer to our Terms of Service for current contact information.