Privacy Policy

PaisaFactory ("we", "us", "our") respects your privacy. This policy explains what information we collect when you use our website, mobile application, and partner services, and how we use and protect it.

1. Information we collect

We may collect information you provide directly, including:

• Name, email address, phone number, and contact details
• Identity and KYC documents required for loan applications (PAN, Aadhaar, address proof, income proof, etc.)
• Employment, business, and financial information relevant to credit assessment
• Bank account or UPI details for disbursement and partner payouts
• Communications you send us via forms, email, or support channels

We may also collect technical data automatically, such as device type, IP address, browser type, app version, and usage analytics to improve our services.

2. How we use your information

We use personal information to:

• Process loan and credit card enquiries and applications
• Share necessary details with lending partners and service providers for underwriting and fulfilment
• Verify identity and prevent fraud
• Operate partner/agent accounts, commissions, and withdrawals
• Send service-related notifications and respond to support requests
• Comply with applicable laws and regulatory requirements
• Improve our website, app, and user experience

3. Sharing of information

We do not sell your personal data. We may share information with:

• Regulated banks and NBFCs participating in our partner network
• Technology vendors who host or support our platform under confidentiality obligations
• Credit bureaus and verification agencies as permitted by law and with your consent where required
• Government or regulatory authorities when legally required

4. Data security

We implement reasonable administrative, technical, and physical safeguards to protect personal information. No method of transmission over the internet is 100% secure; we encourage you to use strong passwords and protect your login credentials.

5. Data retention

We retain personal information for as long as needed to provide services, meet legal and regulatory obligations, resolve disputes, and enforce agreements. Retention periods may vary by data type and applicable law.

6. Your rights

Depending on applicable law (including India's Digital Personal Data Protection Act, where relevant), you may have the right to access, correct, update, or request deletion of your personal data, and to withdraw consent for certain processing. Contact us at privacy@paisafactory.in to exercise these rights.

7. Cookies and tracking

Our website may use cookies and similar technologies for essential functionality, analytics, and preferences. You can control cookies through your browser settings.

8. Third-party links

Our site may link to third-party websites or app stores. We are not responsible for their privacy practices. Please review their policies separately.

9. Children's privacy

Our services are not directed to individuals under 18. We do not knowingly collect data from minors.

10. Changes to this policy

We may update this policy from time to time. The "Last updated" date at the top will reflect changes. Continued use of our services after updates constitutes acceptance of the revised policy.

11. Contact

For privacy-related questions, contact:
PaisaFactory
F1 Siddhi Vinayak Plaza, Near Sanganer Stadium, Sanganer, Jaipur 302029
Phone: +91 95714 06060
Email: privacy@paisafactory.in
Website: paisafactory.in

This is a template privacy policy. Have it reviewed by qualified legal counsel before publishing, and update placeholders (registered entity name, address, grievance officer details) for compliance.