Loan At Click

Privacy Policy

Loan At Click, operated by LOAN AT CLICK FINTECH SERVICES, is committed to safeguarding your privacy and ensuring the protection of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, store, and protect your information when you access our website www.loanatclick.com or avail any of our services.

By accessing or using our Website, you consent to the collection, storage, processing, and sharing of your information in accordance with this Privacy Policy.

This Privacy Policy is published in compliance with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, along with all applicable laws and regulations.

1. Definitions

For the purposes of this Privacy Policy:

“We,” “Us,” “Our,” refers to LOAN AT CLICK FINTECH SERVICES.
“You” or “Your” refers to any individual who accesses the Website or avails our Services.
“Personal Information” (PI) means any information related to an identifiable person including, but not limited to, name, address, contact details, date of birth, email address, Aadhaar, PAN, KYC information, financial details, and any other details voluntarily provided by you.
“Sensitive Personal Data or Information” (SPDI) refers to financial information such as bank account details, payment instrument details, passwords, credit scores, or other information categorized as sensitive under applicable law.

2. Applicability

This Privacy Policy applies to:

All current and former users of our Website and Services.
Any person who provides Personal Information to Loan At Click while accessing the Website, availing our products, or interacting with our representatives.

We strongly recommend reviewing this policy periodically to stay informed of any updates.

3. Information We Collect

When you access our Website or Services, we may collect the following categories of information:

Personal Details: Name, gender, date of birth, contact details, email address, marital status, residential/correspondence address.
KYC & Identity Information: Aadhaar, PAN, voter ID, driving license, or any officially valid documents as per regulatory requirements.
Financial Information: Bank account details, income proofs, credit scores, and other loan-related data required for processing loan applications.
Login & Authentication Data: User IDs, passwords, and authentication information for accessing secure sections of the Website.
Communication Preferences: Records of interactions with our team via calls, emails, SMS, or WhatsApp.
Cookies & Technical Data: IP addresses, browser type, operating system, and other technical information collected through cookies to enhance your user experience.

4. Use of Information

The information we collect may be used for the following purposes:

To provide and process loan services requested by you.
To verify your identity and assess your eligibility for financial products.
To improve our Website, services, and user experience.
To communicate product updates, offers, and marketing materials, subject to your consent.
To comply with legal and regulatory obligations.
For internal analytics, credit scoring, and risk assessment.

5. Sharing & Disclosure of Information

We respect your privacy and will not sell or rent your personal information to third parties. However, we may share your information in the following circumstances:

With Lending Partners & Financial Institutions: For processing your loan application and related services.
With Group Companies & Affiliates: For operational, marketing, and customer support purposes.
With Service Providers: For IT, payment processing, analytics, and customer service support.
For Legal Compliance: When required under applicable law, regulation, or court order.
During Business Transfers: In case of mergers, acquisitions, or corporate restructuring.

All third parties handling your information are contractually bound to maintain confidentiality and use your information only for authorized purposes.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance user experience, remember preferences, and improve website performance. You may modify your browser settings to disable cookies; however, some features of the Website may not function properly as a result.

7. Data Security

Loan At Click employs reasonable security practices, including SSL encryption, firewalls, and access controls to safeguard your information against unauthorized access, disclosure, alteration, or destruction.

While we strive to protect your data, no method of transmission over the Internet is completely secure, and we cannot guarantee absolute security.

8. Consent & Withdrawal

By using our Website or Services, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

You may withdraw your consent at any time by contacting us at sales@loanatclick.com; however, this may affect your ability to use our services.

9. Communications & Opt-Out

We may contact you via phone calls, emails, SMS, or WhatsApp for service-related updates or promotional offers.

You may opt out of promotional communications at any time by following the instructions in the communication or by emailing us at sales@loanatclick.com.

Service-related communications, such as transaction alerts, will continue as long as you use our services.

10. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to read the privacy policies of any third-party websites you visit.

11. Policy Updates

Loan At Click reserves the right to update or modify this Privacy Policy at any time. Significant changes will be communicated through email or notices on our Website prior to becoming effective.

12. Contact Us

For any questions or concerns regarding this Privacy Policy or to withdraw consent, please contact us at:

LOAN AT CLICK FINTECH SERVICES
Email: sales@loanatclick.com
Phone: +91 92057 55537
Website: www.loanatclick.com