Privacy Policy

At LoanWithin, we sincerely appreciate the trust and confidence you place in us. We are committed to upholding high ethical standards in the collection, use, storage, and protection of your personal information. Protecting your privacy and ensuring the security of your information are our highest priorities. We understand that sharing personal information online can raise privacy concerns, and we are committed to handling such information responsibly and in accordance with applicable laws and regulatory requirements.

This Privacy Policy applies to all websites and services operated and managed by LoanWithin, including the website available at https://www.loanwithin.com/. We encourage you to read this Privacy Policy together with our Terms and Conditions and other applicable policies available on our website. By accessing or using our website or services, you confirm that you have read, understood, and agreed to the terms outlined in this Privacy Policy. Where consent is required under applicable law, such consent will be obtained through appropriate means.

By providing your personal information to LoanWithin, you acknowledge and agree to its collection, use, storage and processing for the purpose specified in the Privacy Policy, subject to applicable law. This Policy explains the type of information we may collect, the purpose for which such information may be used, and the circumstances in which it may be disclosed or shared.

At LoanWithin, transparency and responsible handling of personal information are important principal. We endeavour to process personal information in a secure and responsible manner and in accordance with applicable data protection laws, regulations and regulatory requirements.

Information We Collect

We collect the following types of information to improve our services and deliver a better user experience:

• Personal Information: Information you provide to us, which may include your name, mobile number, email address, date of birth, address, identification details and other information required for providing our products and services.
• Financial Information: Information relating to your bank account, payment details, financial transactions and other financial information that may be required for processing, disbursing and servicing your loan or providing related services.
• Transaction Information: Information relating to your loan applications, loan account, disbursement, repayment, repayment history, outstanding amount and other transactions undertaken in connection with our product and services.
• Information from Third Parties: Where permitted by applicable law and necessary for providing our services, we may receive information from authorised third parties, including service providers, verification, agencies, financial institutions, payment providers and other entities involved in providing or supporting our services. Such information will be processed in accordance with this Privacy Policy and applicable law.

We take reasonable technical and organisational measures to protect personal information against unauthorised access, misuse, alteration, disclosure, loss or destruction. Access to personal information is restricted to authorised persons who require such information for legitimate business, contractual, legal or regulatory purposes. However, no method of transmission or storage can be guaranteed to be completely secure.

How We Use Your Information

• Loan Processing: To receive, process, and assess your loan applications, verify the information provided by you, determine your eligibility, and provide or facilitate the provision of suitable loan products and services.
• Customer Support: To respond to your queries, request, complaints and grievances and to provide customer support in relation to our product and services.
• Legal and Regulatory Compliance: To verify identity, undertake applicable KYC and due diligence requirement, prevent and detect fraud, and financial crime, and comply with applicable laws, regulations, regulatory directions, court orders and lawful requests from governmental, regulatory or law enforcement authorities.
• Website and Service Improvement: To monitor and analyse the use of our website and services, where permitted by applicable law, and improve their functionality, security, quality and user experience.

Information Disclosure and Sharing

We respect the privacy of your personal information and do not sell your personal information for monetary consideration. We may disclose or share your personal information where necessary for providing our products and services, fulfilment contractual obligations, complying with applicable law, protecting our legal rights or preventing fraud and other unlawful activities:

• Service Providers: We may share relevant information with authorised third-party service providers assisting us with activities such as technology services, credit verification, payment processing, customer support, data processing, information security and other operational activities.
• Legal Requirements: Disclosure when required by law, regulation, or court order.
• Business Transfers: In the event of a merger, restructuring, acquisition, sale or transfer of our business or asset, relevant, personal information may be transferred to the successor or acquiring entity, subject to applicable law.

Your Data Protection Rights

• Access: You may request access to the personal information held by us about you, subject to applicable law.
• Correction or Deletion: You may request correction of inaccurate or incomplete personal information.
• Withdrawal of Consent: Where processing is based on your consent, you may withdraw such consent, subject to applicable law and any consequences arising from such withdrawal.