Privacy Policy – Badaloan

1. Information We Collect

We collect the following categories of information:

a. Personal Information

• Full Name, Date of Birth, Gender

• PAN, Aadhaar or Government-issued ID

• Contact Details (Phone, Email, Address)

b. Financial Information

• Bank Account Details

• Income Proof (Salary Slips, ITR, Bank Statements)

• Credit Score & Credit History

c. Device & Usage Information

• IP address, browser type, operating system

• Pages visited, time spent, device identifiers

d. Other Information

• Employment details

• References (if provided)

---

2. How We Use Your Information

We use your information for:

• Loan eligibility verification and risk assessment

• Processing loan applications and disbursements

• Enabling repayment services (auto-debit, reminders)

• Verifying your identity and documents

• Compliance with legal obligations

• Customer support and communication

• Improving our services, security, and fraud prevention

---

3. Sharing of Information

We may share your information with:

• Credit Bureaus: To assess and report creditworthiness

• Financial Institutions: Banks, NBFCs, and payment gateways

• Regulatory Authorities: As required under law

• Service Providers: For IT, KYC, analytics, and support services

• Collection Agencies: In the case of loan defaults

We do not sell or rent your personal data to third parties.

---

4. Data Storage & Security

• Your data is stored securely using encryption and access control measures

• We follow industry-standard security practices (SSL, firewalls, secure servers)

• Access to data is restricted to authorized personnel only

---

5. User Rights

You have the right to:

• Access or correct your personal information

• Withdraw consent (may affect service eligibility)

• Request deletion of your data (as allowed by law)

• Raise a complaint about misuse or data handling