Privacy Policy

We collect information you provide directly to us when you use our services, including:

Personal Identification Information: Full name, date of birth, PAN card number, Aadhaar number (last 4 digits only), and photograph where required.

Contact Information: Mobile number, email address, and residential/office address.

Financial Information: Monthly income, employment details, company name, bank account details, existing loan obligations, and credit score (obtained with your consent).

Device & Usage Information: IP address, browser type, operating system, pages visited, time spent on pages, and referring URLs collected automatically when you visit our website.

Communication Records: Records of your interactions with our customer support team, including calls, emails, and chat messages.

PaisaSetu.com uses the information we collect for the following purposes:

Loan Matching & Processing: To match you with suitable loan products from our partner banks and NBFCs, and to facilitate the loan application process.

Identity Verification: To verify your identity and assess your creditworthiness in compliance with KYC (Know Your Customer) norms mandated by the Reserve Bank of India (RBI).

Communication: To contact you regarding your loan application, send updates, respond to inquiries, and provide customer support.

Service Improvement: To analyse usage patterns, improve our platform, and develop new features and services.

Legal Compliance: To comply with applicable laws, regulations, and legal processes, including RBI guidelines and Prevention of Money Laundering Act (PMLA) requirements.

Marketing: With your consent, to send you information about loan products, interest rate updates, and financial tips that may be relevant to you. You may opt out at any time.

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

Partner Banks & NBFCs: We share your information with our lending partners solely for the purpose of processing your loan application. All partners are bound by confidentiality agreements and applicable data protection laws.

Service Providers: We engage trusted third-party service providers (e.g., KYC verification agencies, credit bureaus, cloud hosting providers) who assist us in operating our platform. These providers are contractually obligated to protect your data.

Credit Bureaus: With your explicit consent, we may share your information with credit bureaus such as CIBIL, Experian, Equifax, or CRIF High Mark for credit assessment purposes.

Legal Requirements: We may disclose your information if required by law, court order, or government authority, or to protect the rights, property, or safety of PaisaSetu.com, our users, or the public.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy protections.

We implement industry-standard security measures to protect your personal information:

Encryption: All data transmitted between your browser and our servers is encrypted using 256-bit SSL/TLS encryption. Sensitive data at rest is also encrypted.

Access Controls: Access to personal data is restricted to authorised personnel on a need-to-know basis. All employees with data access are bound by confidentiality obligations.

ISO 27001 Compliance: Our information security management system is aligned with ISO 27001 standards.

Regular Audits: We conduct periodic security audits and vulnerability assessments to identify and address potential risks.

Incident Response: We maintain a data breach response plan and will notify affected users and relevant authorities as required by law in the event of a security incident.

While we take all reasonable precautions, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and keep your login credentials confidential.

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, unless a longer retention period is required or permitted by law.

Active Users: Data is retained for the duration of your relationship with us and for a period of 7 years thereafter, in compliance with RBI guidelines and applicable financial regulations.

Loan Applicants: Application data is retained for 5 years from the date of application, regardless of whether the loan was approved or rejected.

Marketing Data: If you have opted in to marketing communications, we retain your contact information until you opt out or request deletion.

Deletion Requests: You may request deletion of your personal data by contacting us at [email protected]. We will process your request within 30 days, subject to legal retention obligations.

As a user of PaisaSetu.com, you have the following rights regarding your personal data:

Right to Access: You may request a copy of the personal information we hold about you.

Right to Correction: You may request correction of inaccurate or incomplete personal information.

Right to Deletion: You may request deletion of your personal data, subject to legal retention requirements.

Right to Withdraw Consent: Where processing is based on your consent, you may withdraw it at any time. Withdrawal does not affect the lawfulness of processing prior to withdrawal.

Right to Opt Out of Marketing: You may opt out of marketing communications at any time by clicking "unsubscribe" in any email or by contacting us directly.

Right to Data Portability: You may request your data in a structured, machine-readable format.

To exercise any of these rights, please contact us at [email protected] or call +91 784 000 6867.

We use cookies and similar tracking technologies to enhance your experience on our website:

Essential Cookies: Required for the website to function properly (e.g., session management, security). These cannot be disabled.

Analytics Cookies: Help us understand how visitors interact with our website (e.g., pages visited, time spent). We use this data in aggregate, anonymised form.

Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. These are only set with your consent.

You can control cookie settings through your browser preferences. Note that disabling certain cookies may affect the functionality of our website. For more information, please refer to your browser's help documentation.

Our website may contain links to third-party websites, including partner bank and NBFC websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

When you click on a lender's link or are redirected to a partner's application portal, your information will be subject to that lender's privacy policy in addition to ours.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at [email protected] and we will take steps to delete such information.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

- Update the "Last Updated" date at the top of this page - Notify registered users via email - Display a prominent notice on our website

Your continued use of our services after the effective date of the revised policy constitutes your acceptance of the changes. We encourage you to review this policy periodically.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

**PaisaSetu.com (Trustera Services)** Email: [email protected] Phone: +91 784 000 6867 Address: New Delhi, India Business Hours: Monday – Saturday, 9:00 AM – 7:00 PM IST

We aim to respond to all privacy-related inquiries within 5 business days.