Data Privacy Policy

Effective Date: 25 May 2025

Company: Loan Doctor Fintech Private Limited

1. Introduction

Loan Doctor (“Company”, “we”, “us”, or “our”) is committed to protecting your personal and financial data. This Data Privacy Policy explains how we collect, use, share, and safeguard your information when you use our website, mobile apps, or services for government subsidy loan scheme assistance.

2. What Information We Collect

We collect the following types of data:

A. Personal Information

• Full name

• Date of birth

• PAN, Aadhaar, Voter ID, etc.

• Address and contact details

• Bank account details

B. Financial & Employment Information

• Income proof (salary slips, ITR, etc.)

• Business or employment details

• Loan history and CIBIL score (if applicable)

C. Technical Information

• IP address

• Device identifiers

• Location data

• Cookies and browsing behavior

3. Purpose of Data Collection

We collect and process your data for:

• Eligibility analysis for government subsidy loan schemes • Preparing and submitting loan applications

• Liaising with banks, NBFCs, or government departments

• Identity verification and KYC compliance

• Customer support and communications

• Improving our services and user experience

4. Consent and User Rights

By using our services, you voluntarily consent to the collection and processing of your data.

You have the right to:

• Access your stored data

• Correct inaccurate or outdated information

• Withdraw consent at any time (subject to legal requirements)

• Request deletion or restriction of your data

• File complaints with the Data Protection Board of India (if applicable)

5. Data Sharing & Disclosure

We may share your data with:

• Government departments (for subsidy verification)

• Partner banks, NBFCs, and financial institutions

• KYC & credit verification agencies

• Our authorized employees and service partners (on a need-to-know basis)

We do not sell your data to third parties under any circumstances.

6. Data Storage and Security

We use secure cloud infrastructure, data encryption, and access controls to protect your information.

• Data is stored on servers located in India (in compliance with applicable regulations)

• We regularly audit and update our security systems

• Access to personal data is restricted to authorized personnel only

7. Cookies and Tracking Technologies

We use cookies and tracking tools to:

• Improve website functionality

• Analyze user behavior

• Personalize your experience

You can manage cookie preferences through your browser settings.

8. Retention Policy

Your data will be retained:

• As long as necessary to fulfill the service purpose

• As required by law, regulation, or financial compliance (e.g., KYC)

Once no longer required, data will be securely deleted or anonymized.

9. Third-Party Links

Our website may contain links to third-party platforms. We are not responsible for their privacy practices or content. We advise users to read their policies separately.

10. Children’s Data

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

11. Updates to This Policy

We may update this policy periodically. Changes will be posted on this page with the updated date. Continued use of our services constitutes your acceptance of the revised policy.

12. Contact Us

For questions, requests, or grievances related to data privacy, please contact our Team.

Email: support@loandoctor.in

Phone: 9353851407

Address: 3rd Floor, Rank Group Building, Near Benakanalli Metro Station, TIN Factory KR Puram, Bangalore 560048