Privacy Policy

Effective Date: 15 September 2025
Last Updated: 15 September 2025

Introduction

Welcome to EasyMoneyLoan (herein referred to as “Company”, “we”, “us”, or “our”). This Privacy Policy explains how we collect, use, and protect your personal data when you visit our website, apply for loans, or use our financial services. We comply with the Information Technology Act, 2000, relevant RBI guidelines, and the Digital Personal Data Protection Act, 2023 (DPDP Act). By accessing or using our services, you acknowledge that you have read and accepted this Policy and our Terms and Conditions.

Scope & Definitions

Personal Data refers to any information that can directly or indirectly identify an individual. The term processing includes all operations performed on personal data, such as collection, recording, storage, usage, sharing, or disclosure.

Information We Collect

We collect personal and financial information necessary to provide and enhance our services:

• Identification and Contacts: Full name, address, email, date of birth, and mobile number.
• KYC & Financial: Aadhaar (masked or verified), PAN, bank details, salary details, credit reports, and repayment history.
• Device & Usage: IP address, browser type, device identifiers, session logs, and on-site activity.
• Communication Data: Requests, call history, feedback, and customer care interactions.

We do not store full Aadhaar numbers and only use masked or verified numbers wherever possible.

Why We Collect & How We Use Data

Your personal data helps us to:

• Process loan applications and conduct KYC verification.
• Assess eligibility, manage repayments, and prevent fraud.
• Improve website functionality and enhance user experience.
• Send updates, alerts, and promotional messages (only with consent).
• Fulfil legal, tax, and compliance obligations.

Legal Bases

We rely on the following legal bases for processing personal data:

• Consent: For marketing communications and optional features.
• Contractual Necessity: For account creation and loan servicing.
• Compliance with Law: For fulfilling regulatory and reporting requirements.

Data Sharing & Retention

We may share your information with partner banks, NBFCs, verification agencies, or service providers strictly for legitimate business purposes. Data is retained only for as long as required by law or necessary for service delivery.

Security & User Rights

We implement industry-standard safeguards to protect your Personal Data from unauthorized access, alteration, or misuse. You have the right to access, correct, or request deletion of your data by contacting our Privacy Officer at the email address below.