Introduction

This Privacy Policy explains how LoanTalk collects, uses, processes, stores, and protects personal information provided by visitors and users of loantalk.co.in.

By accessing our website or submitting your details through our enquiry forms, you acknowledge that you have read and understood this Privacy Policy.

Information We Collect

We may collect personal information that you voluntarily provide to us when you submit an enquiry, request information, or use our services.

• Full name
• Mobile / phone number
• Email address
• City and location
• Employment or business details
• Income-related information
• Loan requirement and purpose
• Property-related information, where applicable
• Other information voluntarily provided by you

How We Collect Your Information

We may collect information through loan enquiry forms, contact forms, website interactions, telephone communications, WhatsApp, email, and other communication channels through which you voluntarily provide your information.

Purpose of Collecting Information

LoanTalk may use your personal information for the following purposes:

• To respond to your loan enquiry.
• To understand your financial requirements.
• To provide information about suitable loan products.
• To connect you with relevant banks and NBFCs.
• To facilitate communication regarding your enquiry.
• To verify information provided by you.
• To improve our website and services.
• To provide relevant updates and service information.
• To comply with applicable legal and regulatory requirements.

Sharing of Your Information

To provide the services requested by you, LoanTalk may share relevant information with trusted and authorized third parties, including:

• Banks
• NBFCs
• Financial institutions
• Lending partners
• Authorized representatives
• Service providers
• Technology and communication service providers

Information will be shared for legitimate purposes connected with your enquiry, service delivery, verification, communication, and related financial services.

Loan Partners & Third Parties

LoanTalk may connect you with banks, NBFCs, financial institutions, and other lending or service partners.

Once your information is shared with a third-party lender or service provider, that party may process your information according to its own privacy policy, terms, and applicable legal requirements.

Cookies & Website Technologies

Our website may use cookies, analytics tools, pixels, and similar technologies to improve website functionality, understand visitor behaviour, measure website performance, and improve our services.

You may be able to manage or disable cookies through your browser settings. Disabling certain cookies may affect some website functionality.

Data Security

LoanTalk takes reasonable measures to protect the personal information collected through our website against unauthorized access, misuse, alteration, disclosure, or destruction.

However, no method of transmission or electronic storage can be guaranteed to be completely secure.

Data Retention

We may retain personal information for as long as reasonably necessary to fulfil the purposes for which it was collected, provide requested services, maintain business records, resolve disputes, prevent fraud, comply with legal obligations, and meet applicable regulatory requirements.

Your Privacy Choices

Depending on applicable law, you may have rights regarding your personal information, including the ability to request access, correction, updating, or withdrawal of consent where applicable.

You may contact LoanTalk using the available contact details to raise a request regarding your personal information.

Withdrawal of Consent

Where processing of your personal information is based on consent, you may request withdrawal of your consent through the available communication or opt-out mechanisms provided by LoanTalk.

Withdrawal of consent may not affect the lawfulness of processing carried out before such withdrawal and may not apply where continued processing is required or permitted by applicable law.

Marketing & Promotional Communication

Subject to applicable consent and regulatory requirements, LoanTalk may send you information about loan products, financial services, offers, updates, and other relevant communications through permitted communication channels.

Children's Privacy

Our website and services are intended for individuals who are legally capable of entering into financial transactions. We do not knowingly collect personal information from children for loan or financial services.

Fraud & Security Awareness

LoanTalk will not ask you to share confidential banking credentials such as your ATM PIN, UPI PIN, internet banking password, CVV, or OTP for processing a loan enquiry.

Please do not share confidential banking information with anyone claiming to represent LoanTalk.

Third-Party Links

Our website may contain links to third-party websites or services. LoanTalk is not responsible for the privacy practices, content, security, or policies of third-party websites.

We recommend reviewing the privacy policy of any third-party website before providing your personal information.

Changes to This Privacy Policy

LoanTalk may update or modify this Privacy Policy from time to time to reflect changes in our services, technology, business practices, or applicable laws and regulations.

Any updated version will be published on this page with the revised effective date.

Governing Law

This Privacy Policy shall be governed by and interpreted in accordance with the applicable laws of India.