Privacy Policy

1. Introduction

1.1. This Privacy Policy describes how www.easiloan.com and related subdomains and websites (the “Site” or “we”) our mobile, tablet and other smart device application and any other application program interfaces (collectively, “Application”) and all the services listed on our Site and/or Application that we (Easiloan Techno Solutions Private Limited and/or its subsidiaries including Easiloan Tech Services Private Limited) may agree to provide from time to time (collectively, “Services”) (all the Platform, Application and Services together are hereinafter collectively referred to as the “Platform”) collects, uses, and discloses your Personal Information when you visit or make a purchase from the Platform. The Platform provides services in the field of information technology and in particular the services relating to designing e-modules and developing computer software and mobile application that facilitate rate of interest comparison and analysis, analysis on the needs of the customer, lead generation for loans, lead processing, screening of applications, keeping track of payment records post disbursal of loans, and other associated services and earns a fees, commission or other incentives for the same referred as (‘Platform Services’). This privacy policy shall be read with the Terms and Conditions. The capitalized terms existing in this privacy policy shall have meaning ascribed to them in the Terms and Conditions of the Platform available at URL https://www.easiloan.com.

1.2. This privacy policy explains how We collect, use, share, disclose and protect the information about the Users of the Platform provided therein (“Privacy Policy”).

1.3. We wish to express that Your privacy is of the utmost concern to Us. We shall treat any information received from You with the highest level of respect. We are committed to protecting and respecting Your privacy.

1.4. By using the Platform and Platform Services or by otherwise giving Us Your information, You will be deemed to have read, understood and agreed to the practices and policies outlined in this Privacy Policy and agree to be bound by the Terms and Conditions applicable to the Platform.

1.5. You hereby consent to our collection, use and sharing, disclosure of Your information, User Content as described in this Privacy Policy. We reserve the right to change, modify, add or delete portions of the terms of this Privacy Policy, at our sole discretion, at any time. If You do not agree with this Privacy Policy and the terms and conditions at any time, do not use any of the Platform services available on this Platform or give us any of Your information. If You use the Platform Services on behalf of someone else or an entity, You represent that You are authorised by such individual or entity to (a) accept this Privacy Policy on such individual’s or entity’s behalf, and (b) consent on behalf of such individual or entity to our collection, use and disclosure of such individual’s or entity’s information as described in this Privacy Policy. 1.6. This Privacy Policy and the Terms and Conditions describes the types of personal information, User Content that We may collect about You, the purposes for which We use the information, the circumstances in which we may share the information and the steps that We take to safeguard the information to protect Your privacy. We may collect additional information required for better performance of Platform and providing Our Platform Services which shall be notified to You from time to time.

2. Collecting Personal Information

2.1. When you visit the Platform, we collect certain information about your device, your interaction with the Platform, and information necessary to process your enquiries and purchases. We may also collect additional information if you contact us for customer support. In this Privacy Policy, we refer to any information that can uniquely identify an individual (including the information below) as “Personal Information”. See the list below for more information about what Personal Information we collect and why.

2.2. We may collect and process the following data about You:

a. Information You give us ("Submitted Information" includes User Content provided in the Terms & Conditions) Information You may give us information about You by registering on Our Platform, or by corresponding with Us (for example, by e-mail). This includes:

b. Information You provide when You register on the Platform, subscribe to the Platform Service, and when You report a problem with the Platform, or the Platform Service. The information You give us may include Your name, date of birth, sex, NHS number, e-mail address and phone number, username, mailing address, postal code, username and password and other registration information, registration data required for creating an Account.

2.3. If You choose to provide Us with personal information, You are consenting to the transfer and storage of that information on Our servers.

2.4. Device information

a.Examples of Personal Information collected: version of web browser, IP address, time zone, cookie information, what Platforms or products you view, search terms, and how you interact with the Platform.

b.Purpose of collection: to load the Platform accurately for you, and to perform analytics on Platform usage to optimize our Platform.

c.Source of collection: Collected automatically when you access our Platform using cookies, log files, web beacons, tags, or pixels

d.Disclosure for a business purpose: shared with our processor for payments with banks and payment gateway aggregators.

2.5. Demo & Order information

a. Examples of Personal Information collected: name, address, phone number, email, payment information using third party payment gateway like RazorPay (https://razorpay.com/privacy/) & PayU (https://india.payu.com/privacy-portal/), demographic data (such as Your gender, Your date of birth and Your address, pin code), data regarding Your usage of the Platform Services, other information that You voluntarily choose to provide to us (such as information shared by You with us through emails or letters, passwords, details as provided at the time of registration or thereafter, call data records, details or information or Platform Services provided to Third Parties using our Platform Services and Platform; and Details of transactions You carry out through our Platform.

b. Purpose of collection: to provide products or services to you to fulfill our contract, to process your payment information, arrange for services, and provide you with invoices and/or order confirmations, communicate with you, screen our orders for potential risk or fraud, and when in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.

c. Source of collection: collected from you through telephonic conversations or website or payment links.

d. Disclosure for a business purpose: shared with our business partners and as set out herein

3. Minors

We do not intentionally collect Personal Information from children below 18 years directly. All the information about the Minor and Child is collected from either Parent/s or Guardian. If you are the parent or guardian and believe your child has provided us with Personal Information, please contact us at the address below to request deletion.

4. Sharing Personal Information

4.1. We share your Personal Information with service providers to help us provide our services and fulfil our contracts with you, as described above. For example:

a. We may share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

b. We will not sell or rent or otherwise disclose your information for commercial purposes to anyone in a way that is contrary to the commitments made and/or other than as set forth in this Privacy Policy.

c. We may share your information to an affiliate and/or business partner. We may also share, sell, and/or transfer your personal information to any successor-in-interest as a result of a sale of any part of Easiloan.com business or upon the merger, reorganization, or consolidation of it with another entity on a basis that it is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person, company, or Easiloan.com directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Easiloan.com. (The term "control," as used in the preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity).

d. There are a number of products/services such as loans, credit cards, mutual funds, offered by third Parties on our Platform, such as lenders, banks, credit card issuers, etc. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your personal information is governed by their privacy policies in addition to the Privacy Policy of Our Platform. Please note that Easiloan.com is not responsible for their privacy policies. Therefore, We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you wish to apply for their products or services.

5. Behavioural Advertising

5.1. As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For example:

a. We use Google Analytics to help us understand how our customers use the Platform. You can read more about how Google uses your Personal Information here: https://policies.google.com/privacy?hl=en.You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.

b. We share information about your use of the Platform, your purchases, and your interaction with our ads on other websites with our advertising partners. We collect and share some of this information directly with our advertising partners, and in some cases through the use of cookies or other similar technologies (which you may consent to, depending on your location).

5.2. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at: http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

5.3 You can opt out of targeted advertising by:

FACEBOOK - https://www.facebook.com/settings/?tab=ads

GOOGLE - https://www.google.com/settings/ads/anonymous

BING - https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads]

5.4. Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out platform at: http://optout.aboutads.info/.

6. Using Personal Information

6.1. The information submitted to us will be used primarily for the purpose of providing various Platform Services specified by us from time to time. Any information received is necessary to provide a level of certainty of intent and to maximize credibility. It may also be used to provide backup that may be helpful in Your desire to seek advice on various matters. It is also needed in order to aid with the continual improvement of the Platform, compile basic demographic data and to generally improve the Platform Services offered to You. We will not sell, share or rent Your confidential information to any independent Third Parties without Your prior consent. As a customer, at Your request only, we will provide Your preferred method of contact information to any third party that You specifically request to contact with

6.2. We may also use Your personal information to:

a. to facilitate Your use of the Platform;

b. to respond to Your inquiries or fulfil Your requests for information about the various Platform Services;

c. to provide You with information about Our Platform/Platform Services and to send You information, materials, and offers from us;

d. to help You address Your problems with the Platform including addressing any technical problems;

e. administer, operate, facilitate and manage Your relationship and/or account with Platform. This may include sharing such information internally as well as disclosing it to Third Parties, as described in the following paragraphs;

f. contact You or, if applicable, Your designated representative(s) by post, telephone, electronic mail, facsimile, etc., in connection with Your relationship and/or account;

g. provide You with information, recommendations, or advice concerning Platform Services offered by our Platform;

h. facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements;

i. to conduct financial and identity checks; fraud prevention checks; anti money laundering and credit checks;

j.to resolve disputes;

k. transfer information as required by or under applicable laws, or similar legal process;

l. when we believe in good faith that disclosure is necessary to protect our rights, protect Your safety or the safety of others, investigate fraud, or respond to a government request;

m. with our trusted service providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.

n. if the Company is involved in a merger, acquisition, or sale of all or a portion of its assets, You will be notified via email and/or a prominent notice on our Platform of any change in ownership or uses of this information, as well as any choices You may have regarding this information.

6.3. Further we would also use Your information for the purpose of

a.providing You the Platform Services,

b.for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes,

c.for sale or transfer of such research, statistical or intelligence data in an aggregated or non-personally identifiable form to Third Parties and affiliates,

d.for communication purpose so as to provide You our Platform Services in a better way and obtaining feedback,

e.We reserve a right to use Your information and provide it to Third Parties in the manner suitable for providing our Platform Services.

6.4. We also reserve the right to use information provided by or about You/User for the following purposes:

a. Publishing such information on the Platform;

b. Contacting Users for offering new products or services on the Platform;

c. Contacting Users for taking Platform Service feedback;

d. Analysing Platform usage patterns; and

e. Analysing anonymized information for commercial use.

6.5. We may also share personal information with our other corporate entities and affiliates to help detect and prevent identity theft, fraud and other potentially illegal acts; correlate related or multiple accounts to prevent abuse of our Platform Services; and to facilitate joint or co-branded Platform Services where such Platform Services are provided by more than one of our affiliate/ entity. Those entities and affiliates may not market to You as a result of such sharing unless You explicitly opt-in. We may disclose personal information if required to do so by Applicable Law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. We may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce our Terms or Privacy Policy; respond to claims that an advertisement, posting or other content violates the rights of a Third Party; or protect the rights, property or personal safety of our Users or the general public. Should such a transaction occur or take place, that other business entity (or the new combined entity) will be required to follow this Privacy Policy with respect to Your personal information.

6.6. When You share and communicate using our Platform Services, You choose the people who can see what You share and You choose to message. In some cases, people You share and communicate with may download or re-share this content with others on and off Our Platform Services.

6.7. If Your relationship with Easiloan under the Platform ends, we will continue to treat Your personal information; to the extent we retain it, as described in this Privacy Policy.

6.8. No administrator at Easiloan will have knowledge of Your password and other sensitive information. You will be responsible to protect such sensitive information against unauthorized access to Your password, Your computer and Your mobile phone and other device used by You.

6.9. We make all User information accessible to its employees, agents or partners and Third Parties only on a need-to-know basis, and binds only its employees to strict confidentiality obligations.

6.10. We may retain and submit all records of Your information to the relevant Third Parties for providing Platform Services.

6.11. Notwithstanding the above, We will not at any time be responsible for the confidentiality, security or distribution of Your personal information by our partners, affiliates, employees, agents and Third Parties outside the scope of our agreement with such partners and Third Parties, affiliates, employees and agents.

6.12. Further, We shall not be responsible for any breach of security or for any actions of any Third Parties or events that are beyond our reasonable control including but not limited to, acts of government, computer hacking, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc.

6.13. We may use Third-Party advertising companies to serve ads when You visit our Platform. These companies may use information (not including Your name, address, email address, or telephone number) about Your visits to our Platform in order to provide advertisements about goods/services and Platform Services of interest to You.

7. Confidentiality of Information

7.1. Access to information provided by You shall be allowed to employees, officers, agents, affiliates who we believe reasonably need to come into contact with that information to provide Platform Services to You or in order to do their duties.

7.2. Users who use any of the features on the Platform and the Platform Services agree and accept that they have been fully informed that the use of features may lead to publication to all Users of the Platform of any information that may be posted by them while using any feature/ Platform Services on the Platform. Users further agree that the authenticity of, and consequences from the posting by Users of any information about themselves or any other person, are the sole responsibility of the User.

7.3. Users further agree and accept that the terms of the Privacy Policy will be applicable to the use of all features, existing and new available on the Platform. The Users agree and accept that confidentiality of information posted on such Platform/ Platform Services has been waived by the Users of such Platform/Platform Services themselves.

8. Lawful basis

8.1. Pursuant to the General Data Protection Regulation (“GDPR”), if you are a resident of the European Economic Area (“EEA”), we process your personal information under the following lawful bases:

8.1. Your consent;

8.2. The performance of the contract between you and the Platform;

8.3. Compliance with our legal obligations;

8.4. To protect your vital interests;

8.5. To perform a task carried out in the public interest;

8.6. For our legitimate interests, which do not override your fundamental rights and freedoms.

9. Protection of the information

9.1. We invest in high-quality security to protect User privacy. We follow strict security procedures in the storage and disclosure of information which You have given us, to prevent unauthorised access.

9.2. The following additional information will be of interest to You as a User to this Platform:

1. In order to provide efficient and reliable Platform Services and to improve the Service options available to You, all the entities registered with Easiloan may be given, or given access to, Your personal information. This would be done to facilitate settlement of Your transactions or the maintenance of Your accounts, or as part of its arranging for the performance of specialized Platform Services. When so sharing Your personal information, we adhere to applicable industry standards regarding the protection of personal information.

b. We do not disclose Your personal information to Third Parties, except as described in this policy. Third party disclosures may include sharing such information with non-affiliated companies/ Third Parties that perform features/ part of Platform Services for Your Account or facilitate Your transactions with Platform, including those that provide professional, legal or accounting advice to Platform. Non-affiliated companies that assist Platform in providing Platform Services to You are required to maintain the confidentiality of such information to the extent they receive it and to use Your personal information only in the course of providing such Platform Services and only for the purposes that Platform dictates.

9.3. We may also disclose Your personal information to fulfil Your instructions, to protect our rights and interests and those of our business affiliates, partners. Finally, under limited circumstances, Your personal information may be disclosed to Third Parties as permitted by, or to comply with industry practices.

9.4. This Privacy Policy provides a general statement of the ways in which We protect Your personal information. You may, however, in connection with specific Platform Services offered by Platform, be provided with privacy policies or statements that supplement this Privacy Policy. This Privacy Policy may be changed from time to time to reflect changes in our practices concerning the collection and use of personal information. The revised Privacy Policy will be effective immediately upon posting to our Platform. We reserve a right to obtain additional information deemed fit for providing Platform Services. We may also change the manner in which we use your information best suitable to provide you with the Platform Services. By accepting this Policy you agree to be bound by the Terms and Conditions of the Platform and any amendments done from time to time.

9.5. Identity theft and the practice currently known as "phishing" are of great concern. Safeguarding information to help protect You from identity theft is a top priority. We do not and will not, at any time, request Your credit card information or national identification numbers in a non-secure or unsolicited e-mail or telephone communication.

10. Data Security

10.1. We use a number of mechanisms (encryption, passwords, and physical security) to protect the security and integrity of User’s personal information against unauthorized access and disclosure. Unfortunately, no data transmission over the internet can be guaranteed to be completely secure. So while we strive to protect such information, we cannot ensure or warrant the security of any information/ User Content that the User transmits to Platform. Once we possess any personal information;

10.2. we will take reasonable steps to protect that information from misuse and loss and from unauthorized access, modification or disclosure.

11. Data Retention

The process for deleting credit information after six months is as follows:

11.1 Data Retention Policy: Credit information is retained for a maximum of six months from the date of collection or last usage, in accordance with our data retention policy.

11.2 Automated Deletion: After the six-month period, credit information is automatically flagged for deletion by our system.

11.3 Deletion Process: The flagged information is then securely deleted from all databases and backups, ensuring no remnants are left. This includes purging data from logs and archival storage.

11.4 Verification: Post-deletion, the system generates a report to confirm that the credit information has been successfully deleted.

11.5 Compliance Check: Regular audits are conducted to ensure adherence to the deletion process and compliance with data protection regulations.

12. Comments And Questions

If User’s have any questions regarding our privacy practices or this privacy statement, feel free to contact us at: compliance@easiloan.com.

13. Cookies

13.1. A cookie is a small amount of information that’s downloaded to your computer or device when you visit our Platform. We use a number of different cookies, including functional, performance, advertising, and social media or content cookies. Cookies make your browsing experience better by allowing the website to remember your actions and preferences (such as login and region selection). This means you don’t have to re-enter this information each time you return to the Platform or browse from one page to another. Cookies also provide information on how people use the website, for instance whether it’s their first time visiting or if they are a frequent visitor

13.2. We use the following cookies to optimize your experience on our Platform and to provide our services.

13.3. The length of time that a cookie remains on your computer or mobile device depends on whether it is a “persistent” or “session” cookie. Session cookies last until you stop browsing and persistent cookies last until they expire or are deleted. Most of the cookies we use are persistent and will expire between 30 minutes and two years from the date they are downloaded to your device.

13.4. You can control and manage cookies in various ways. Please keep in mind that removing or blocking cookies can negatively impact your user experience and parts of our Platform may no longer be fully accessible.

13.5. Most browsers automatically accept cookies, but you can choose whether or not to accept cookies through your browser controls, often found in your browser’s “Tools” or “Preferences” menu. For more information on how to modify your browser settings or how to block, manage or filter cookies can be found in your browser’s help file or through such Platforms as www.allaboutcookies.org.

13.6. Additionally, please note that blocking cookies may not completely prevent how we share information with third parties such as our advertising partners. To exercise your rights or opt-out of certain uses of your information by these parties, please follow the instructions in the “Behavioural Advertising” section above.

14. Do Not Track

Please note that because there is no consistent industry understanding of how to respond to “Do Not Track” signals, we do not alter our data collection and usage practices when we detect such a signal from your browser.

15. Changes

We may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal, or regulatory reasons.

16. Contact

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact by mail using the details provided below:
contact@easiloan.com

17. Consent Withdrawal Process:

The Turnaround Time (TAT) for deleting credit information following a customer's request for consent withdrawal is typically 24 hours. This timeframe ensures compliance with regulatory requirements, allows adequate time to verify the request, process the data deletion, and confirm the action with the customer.

18. Grievance