Privacy Policy

A. Information you provide directly:

• Full name, date of birth, and gender
• Mobile number, email address, and residential address
• PAN card number, Aadhaar number (where applicable)
• Employment type, employer name, and monthly income
• Loan requirements (amount, type, tenure)
• Bank account details (only when required by partner lenders)
• Documents uploaded for loan processing (salary slips, bank statements, ITR)

B. Information collected automatically:

• IP address, browser type, and version
• Device identifiers, operating system, and screen resolution
• Pages visited, time spent, and clickstream data
• Referring website URLs and search terms
• Cookie data, session identifiers, and local storage data
• Geolocation (with your permission)

We use the personal information we collect for legitimate business purposes, including:

• Processing, evaluating, and facilitating your loan applications with lending partners.
• Checking loan eligibility and generating pre-approved loan offers.
• Fetching credit information from authorized Credit Information Companies (CRIF, CIBIL, etc.).
• Communicating regarding application status, customer service queries, and updates.
• Improving website performance, user experience, and developing new financial products.
• Complying with applicable laws, regulations, RBI guidelines, and legal processes.
• Detecting, preventing, and investigating fraud, security breaches, and illegal activities.

We process your personal information based on one or more of the following legal grounds:

• Consent: You have given explicit consent for specific processing activities (e.g. credit bureau check).
• Contractual Necessity: Processing is required to perform the services requested by you.
• Legal Obligation: Processing is necessary to comply with applicable laws (e.g. KYC, AML guidelines).
• Legitimate Interests: Processing is required for legitimate business operational security and fraud prevention.

We do not sell, rent, or trade your personal information to third parties. We may share your information with:

• Banking Partners & NBFCs: RBI-regulated lending institutions to process your loan application.
• Credit Information Companies: CRIF High Mark, TransUnion CIBIL, Equifax for credit checks.
• Service Providers: Technology, communication, analytics, and infrastructure vendors working under strict data privacy contracts.
• Regulatory & Law Enforcement Authorities: When required by law, court order, or government regulation.

With your explicit authorization, we may fetch your credit score and credit report from CRIF High Mark, TransUnion CIBIL, and Equifax. This inquiry may appear as a "soft" or "hard" inquiry on your credit report depending on the stage of processing.

Please refer to our Credit Report Terms of Use for complete details.

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, loss, or destruction, including:

• 256-bit SSL/TLS encryption for all data transmission.
• Secure, access-controlled servers and databases.
• Regular security audits, vulnerability assessments, and penetration testing.
• Role-based access controls and multi-factor authentication for internal systems.
• Employee data protection training and confidentiality agreements.
• Incident response and data breach notification procedures.

While we take every precaution to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

We use cookies, web beacons, pixel tags, and similar tracking technologies to enhance your browsing experience, analyze site traffic, and deliver relevant content and advertisements. You can control cookie preferences through your browser settings. Please refer to our Cookies Policy for full details.

We retain your personal information for as long as is necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Active loan application data: Retained for the duration of the loan lifecycle plus 7 years.
• Enquiry data (no loan applied): Retained for up to 3 years.
• Marketing consent records: Retained until you withdraw consent.
• Log and technical data: Retained for up to 12 months.

After the applicable retention period, your data will be securely deleted or anonymized.

Under applicable Indian data protection laws and in line with emerging DPDP Act, 2023 provisions, you have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of any inaccurate or incomplete personal data.
• Deletion: Request deletion of your personal data (subject to legal retention obligations).
• Portability: Request transfer of your data in a structured, machine-readable format.
• Objection: Object to processing of your data for marketing or profiling purposes.
• Withdraw Consent: Withdraw consent for specific processing activities at any time.
• Grievance: Lodge a complaint with our Grievance Officer or the relevant data protection authority.

To exercise any of these rights, please contact our Data Privacy Officer at care@loanlogic.in. We will respond to all requests within 30 days.

Your personal information is primarily stored and processed in India. Where we use international cloud service providers or technology vendors, appropriate data transfer safeguards (such as standard contractual clauses) are in place to ensure your data is protected in accordance with applicable law.

Our services are intended for individuals aged 18 years and above. We do not knowingly collect, solicit, or process personal information from anyone under the age of 18. If we discover that we have inadvertently collected information from a minor, we will delete such information promptly. If you believe a minor has submitted information through our platform, please contact us immediately.

Our Website may contain links to third-party websites, applications, and services. This Privacy Policy applies only to our Website. We are not responsible for the privacy practices or content of any third-party sites. We encourage you to review the privacy policies of any third-party sites you visit through links on our Website.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on this page with a revised "Last Updated" date. Where changes are material, we may also notify you by email or a prominent notice on our Website. Your continued use of our services after the effective date constitutes your acceptance of the updated Policy.

In accordance with the Information Technology Act, 2000 and rules made thereunder, the name and contact details of our Grievance Officer are:

• Name: Grievance Officer — LoanLogic
• Email: care@loanlogic.in
• Phone: +91 9966698879
• Address: Flat No 203, 2nd Floor, Viswa Central, Above Canara Bank, Ameerpet, Hyderabad – 500016
• Working Hours: Monday to Saturday, 9:30 AM – 6:30 PM IST

We will acknowledge and address grievances within 30 days of receipt in accordance with applicable law.