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Information We Collect
DIGI-LOANS collects information to provide better services to our users. We collect information in the following ways:
- Personal Information: Name, email address, phone number, address, date of birth, PAN number, Aadhar number
- Financial Information: Income details, employment information, bank account details, credit history
- Technical Information: IP address, browser type, device information, cookies, usage data
- Application Data: Loan application details, document uploads, communication records
How We Use Your Information
We use the information we collect for the following purposes:
- Processing loan applications and providing financial services
- Verifying your identity and conducting KYC procedures
- Communicating with you about our services and updates
- Improving our platform and developing new features
- Complying with legal and regulatory requirements
- Preventing fraud and ensuring platform security
Information Sharing
We may share your information with:
- Banks & NBFCs: For loan processing and approval
- Credit Bureaus: For credit score verification and reporting
- Service Providers: Third-party vendors who assist in our operations
- Legal Authorities: When required by law or legal process
- Partners: Authorized agents and DSA partners for service delivery
Note: We never sell your personal information to third parties for marketing purposes.
Data Security
We implement comprehensive security measures to protect your information:
- ISO 27001 certified security protocols
- Bank-grade encryption for all data transmission
- Multi-factor authentication for account access
- Regular security audits and vulnerability assessments
- Secure data centers with 24/7 monitoring
- Employee training on data protection best practices
Your Rights
You have the following rights regarding your personal data:
- Access: Request copies of your personal data
- Rectification: Request correction of inaccurate information
- Erasure: Request deletion of your data (subject to legal requirements)
- Portability: Request transfer of your data to another service
- Objection: Object to processing of your data for specific purposes
- Restriction: Request limitation of data processing
Cookies and Tracking
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and user behavior
- Provide personalized content and advertisements
- Ensure platform security and prevent fraud
You can control cookie settings through your browser preferences.
Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain business records for audit purposes
Typically, we retain data for 7 years after account closure, unless legally required to retain for longer periods.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.
Changes to Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
- Email: operation@digi-loan.com
- WhatsApp: +91-8597383582
- Address: 8 Camac Street, Shantiniketan Building, 10th Floor, Room No 11, Kolkata 700017
Last Updated: July 24, 2025