Privacy Policy
Effective Date: [08/02/2026]
This Privacy Policy describes how Loanhelpline.in (“Company”, “We”, “Us”, or “Our”) collects, uses, shares, and protects your personal information when you use our website (https://loanhelpline.in), our AI Agents, WhatsApp Chatbots, mobile applications, or interact with our support team (collectively referred to as “Services”).
This document is an electronic record in terms of the Information Technology Act, 2000 and rules thereunder.
1. Information We Collect
We collect various types of information to process your loan applications and provide better services:
- Personal Information: Name, email address, phone number, residential address, date of birth, gender, and occupation.
- Identity & KYC Documents: PAN Card number, Aadhaar number (masked/encrypted), Voter ID, Passport, or other government-issued IDs.
- Financial Information: Bank account details, salary slips, income tax returns (ITR), and employment details.
- Credit Information: By using our services, you authorize us to fetch your Credit Score (CIBIL/Experian/Equifax) and credit history to assess your loan eligibility.
- Technical Data: IP address, browser type, device information, cookies, and operating system used to access our services.
2. Consent & DND Override
By registering your mobile number and email on our Website or interacting with our AI Agents/WhatsApp Bots:
- Explicit Consent: You expressly authorize Loanhelpline.in, our partners, and affiliates to contact you via Phone Call, SMS, WhatsApp, or Email.
- DND Override: This authorization overrides your registration with the National Do Not Call Registry (DND/NDNC). You agree not to hold us liable for any “unsolicited” communication regarding your loan application or related financial products.
3. How We Use Your Information
Your data is primarily used for the following purposes:
- To verify your identity and eligibility for loan products.
- To connect you with our Lending Partners (Banks, NBFCs) for loan processing.
- To fetch and analyze your Credit Report from Credit Information Companies (CICs).
- To communicate with you regarding your application status, offers, and updates.
- To comply with legal and regulatory requirements (e.g., KYC norms, PMLA).
4. Sharing of Information (Disclosure)
We value your privacy and only share data on a “Need-to-Know” basis:
- Lending Partners: We share your details with Banks, NBFCs, and financial institutions strictly for the purpose of processing your loan application.
- Service Providers: Third-party vendors who assist us with KYC verification, credit checks, or customer support (e.g., WhatsApp service providers).
- Legal Authorities: We may disclose information if required by law, court order, or government agency for compliance or investigation purposes.
We do not sell your personal data to unrelated third parties for random marketing purposes.
5. Data Security
We understand that your financial data is sensitive. We implement Reasonable Security Practices and Procedures as mandated by the Information Technology Act, 2000.
- Measures: We use standard encryption protocols, firewalls, and secure servers to protect your data from unauthorized access, alteration, or disclosure.
- Disclaimer: No method of transmission over the internet is 100% secure. While we strive to protect your data, you agree that you use our services at your own risk.
6. Cookies and Tracking
We use cookies to enhance your browsing experience. Cookies help us remember your preferences and analyze website traffic. You can choose to disable cookies through your browser settings, but this may limit some features of our website.
7. Data Retention & Deletion
- Retention: We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by applicable laws (e.g., for audit or legal disputes).
- Deletion Request: You may request the deletion of your account/data by contacting our Grievance Redressal Officer. However, we may retain certain data if required by law or for fraud prevention.
8. Third-Party Links
Our Services may contain links to third-party websites (e.g., Bank portals). We are not responsible for the privacy practices or content of those external sites. We encourage you to read their privacy policies.
9. Grievance Redressal
In accordance with the Information Technology Act, 2000 and rules made thereunder, if you have any questions, concerns, or grievances regarding this Privacy Policy or your data, please contact our Grievance Redressal Officer:
- Email: GRO@LoanHelpline.in
10. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated “Effective Date.”
