Privacy Policy

1. Information We Collect

We collect the following types of information:

Personal Information:

• Name, date of birth, gender
• Contact details (email, phone, address)
• Identity documents (PAN, Aadhar)
• Employment and income details
• Bank account information

Financial Information:

• Credit score and credit history
• Bank statements
• Existing loan details
• Income tax returns

Technical Information:

• IP address and browser type
• Device information
• Usage data and cookies

2. How We Use Your Information

We use your information for:

• Processing loan applications and verifying identity
• Credit assessment and risk analysis
• Loan disbursal and collection
• Communication about your application and account
• Compliance with legal and regulatory requirements
• Fraud prevention and security
• Improving our services

3. Information Sharing

We may share your information with:

• Credit bureaus (CIBIL, Equifax, Experian)
• Banks and financial institutions for loan processing
• Regulatory authorities (RBI, government agencies)
• Service providers and third-party vendors
• Legal authorities when required by law

We do not sell your personal information to third parties.

4. Data Security

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

• SSL/TLS encryption for data transmission
• Secure data storage with encryption
• Access controls and authentication
• Regular security audits
• Employee training on data protection

5. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of data (subject to legal requirements)
• Opt-out of marketing communications
• Withdraw consent (where applicable)
• Lodge a complaint with authorities

6. Cookies Policy

We use cookies and similar technologies to enhance your experience. You can control cookie preferences through your browser settings. Essential cookies are necessary for the website to function properly.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy and comply with legal obligations. Loan-related data is retained for at least 8 years as per RBI guidelines.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

9. Changes to Privacy Policy

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

10. Contact Us

For privacy-related queries or to exercise your rights, contact us at:

• Data Protection Officer:
• Email: privacy@kadelfinance.com
• Phone: +91 9910432346
• Address: 123 Finance Street, Mumbai, MH 400001