1. Introduction

ActoLoan Financial Services Pvt. Ltd. ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan services.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name, date of birth, and gender
• Contact information (phone number, email address, residential address)
• Identity proof (Aadhaar, PAN, Passport, etc.)
• Financial information (income, employment details, bank account details)
• Credit history and credit score
• Documents (ID proof, address proof, income proof)

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and device information
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the collected information for the following purposes:

• To process and evaluate your loan application
• To verify your identity and conduct credit checks
• To communicate with you about your application and loan account
• To send OTPs and verification codes
• To process loan disbursements and repayments
• To comply with legal and regulatory requirements
• To improve our services and website functionality
• To send promotional offers and updates (with your consent)
• To prevent fraud and ensure security

4. Information Sharing and Disclosure

We may share your information with:

• Credit Bureaus: To check your credit history and score
• Banks and Financial Institutions: For loan processing and disbursement
• Service Providers: Third-party vendors who assist in our operations (IT services, SMS providers, etc.)
• Legal Authorities: When required by law or to protect our rights
• Business Partners: With your explicit consent

We do not sell your personal information to third parties.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security audits and updates
• Employee training on data protection

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic and usage
• Improve user experience
• Provide personalized content

You can control cookies through your browser settings, but this may affect website functionality.

7. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Object to processing of your information
• Withdraw consent at any time
• File a complaint with the data protection authority

To exercise these rights, please contact us at privacy@actoloan.com or call 1800 ACTOLOAN.

8. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes for which it was collected
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements

After the retention period, we securely delete or anonymize your information.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Children's Privacy

Our services are not intended for individuals under 21 years of age. We do not knowingly collect personal information from minors.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

• Email: privacy@actoloan.com
• Phone: 1800 ACTOLOAN
• Address: ActoLoan Financial Services Pvt. Ltd., [Your Office Address]