1. Introduction
Loan Financial respects your privacy. This Privacy Policy explains what data we collect, why we collect it, how we use it, and the choices you have regarding your information.
2. Information We Collect
- Personal Information: Full name, mobile number, PAN card, email, address, bank account details (where required), income information, application reference.
- Payment Information: Processing fee amount, UTR/reference number, payment proof uploads. Card/UPI details are processed securely by third-party payment providers.
- Technical Information: IP address, browser/device details, usage logs, cookies, analytics data.
3. How We Use Information
- To process and verify your loan application.
- For KYC, credit bureau, and bank verification where required by law or business process.
- To manage processing fee payments and refunds.
- To provide customer support and send application updates.
- For fraud detection, compliance, and improving our services.
4. Sharing of Information
We may share your information only with:
- Payment providers (for processing transactions securely).
- KYC/verification partners and credit bureaus (where necessary).
- Service providers (hosting, email, analytics) under confidentiality agreements.
- Regulatory authorities, courts, or government bodies when legally required.
We never sell or rent your personal information to advertisers or third parties.
5. Cookies and Tracking
We use cookies and similar technologies to improve site performance, manage sessions, and analyze traffic. You may control cookies through browser settings, but some features may not function properly if disabled.
6. Data Security
We implement appropriate technical and organizational safeguards such as SSL, secure servers, database access control, and prepared statements (PDO). However, no online system is completely secure, so users are advised to exercise caution.
7. Data Retention
We retain your personal information only as long as necessary to fulfill business, legal, and regulatory requirements. Financial and application records may be stored for several years as per applicable laws.
8. Your Rights
- Request access to your data.
- Request correction of inaccurate or incomplete data.
- Request deletion of data (subject to regulatory limitations).
- Object to certain types of data processing.
To exercise these rights, please contact us at support@loanfinancial.in.
9. Children’s Privacy
We do not knowingly collect personal information from individuals under 18 years of age. If such data is discovered, we will take steps to delete it promptly.
10. Third-Party Services
Our website may link to third-party services (such as payment gateways, analytics tools). Each has its own privacy policy, and we are not responsible for their practices. Please review their policies separately.
11. Changes to Policy
We may update this Privacy Policy periodically. Major changes will be communicated via website notices or email. The effective date at the top of this page reflects the latest version.
12. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact:
- Email: support@loanfinancial.in
- Phone: +91 12345 67890
- Address: Loan Financial, Connaught Place, New Delhi — 110001