Privacy Policy

1. Information We Collect

To facilitate loan discovery, verify applicant credentials, and transmit loan intake files to participating lending partners, we collect information across the following categories:

• Identity & Contact Details: Full legal name, date of birth, gender, residential address, mobile telephone number, email address, and Permanent Account Number (PAN).
• Occupational & Income Records: Employment classification (salaried or self-employed), employer or enterprise name, monthly net take-home salary, annual audited turnover, and declared ongoing monthly debt obligations (EMIs).
• KYC & Verification Documentation: Uploaded copies of identity proofs (PAN card, Aadhaar, Passport, or Voter ID), address verification documents, bank account statements, salary slips, and Income Tax Returns (ITR).
• Technical & Telemetry Data: IP address, device identifier, browser classification, operating system, and timestamped authentication session logs.

2. Purpose of Data Processing

Paisanagar processes personal data strictly for specified, legitimate business purposes:

• Authenticating user identity and establishing verified customer portal accounts.
• Evaluating borrower parameters against participating lender underwriting matrices.
• Facilitating the transmission of completed, applicant-approved loan application files to selected Banks and RBI-registered NBFCs.
• Providing self-service milestone tracking and real-time application status notifications.
• Complying with statutory fraud-prevention, record-keeping, and legal requirements under Indian law.

3. Consent-Driven Information Sharing

Paisanagar operates exclusively as an institutional loan marketplace. We share applicant information only under the following disciplined circumstances:

• Participating Lending Institutions: When an applicant authorizes submission for a specific loan facility, the relevant application dossier and supporting documents are securely transmitted to the chosen Bank or NBFC for independent credit evaluation.
• Authorized Service Providers: Trusted technological infrastructure partners (cloud hosting, document encryption, and SMS/OTP delivery services) operating under strict non-disclosure and data processing agreements.
• Statutory Mandates: Where disclosure is legally demanded by a judicial court order, regulatory authority, or law enforcement agency operating under applicable Indian statutes.
• No Commercial Sale of Data: Paisanagar does not sell, lease, or monetize borrower personal contact records with unrelated third-party telemarketers or advertisers.

4. Data Security & Storage Protocols

We maintain multi-tiered administrative, physical, and technological safeguards to protect personal data against accidental loss, unauthorized access, destruction, or disclosure:

• Paisanagar applies appropriate technical and organizational safeguards to protect information in transit and at rest, subject to the platform's implemented security controls and applicable requirements.
• Sensitive identifiers (including PAN and credential hashes) are stored with cryptographic protections.
• Access to uploaded documents is governed by strict role-based access control (RBAC), multi-factor authentication, and immutable audit logging.

5. Data Retention & Borrower Rights

We retain personal information for the period required to service active loan applications, fulfill statutory record-keeping obligations, and resolve potential operational disputes.

Under applicable Indian data protection principles, applicants hold rights including:

• The right to access and review personal information maintained on the platform.
• The right to request rectification of inaccurate, outdated, or incomplete personal data.
• The right to withdraw consent for active marketing communications or prospective lender submissions.

6. Grievance Redressal & Contact Information

For questions regarding this Privacy Policy, data protection practices, or to exercise your privacy rights, please direct inquiries to our designated team: