Privacy Policy

Yashian Services Pvt. Ltd. values your privacy and is committed to protecting your personal information at all times. This Privacy Policy outlines how we collect, use, share, and safeguard your data when you interact with our website, mobile application, or other digital services.

1. Information We Collect

Here’s the type of information we may collect and use:

• Personal Information:
  • Name, email address, phone number
  • PAN, Aadhaar (if voluntarily provided), income details, employment status
  • Bank account and financial information
• Credit Information:
  • Your credit score and credit report obtained from credit bureaus (such as CIBIL or others), only with your explicit consent
• Device & Usage Information:
  • IP address, browser type, device ID, operating system
  • Usage data such as pages visited, session time, and activity flow

Note: We do not access your contacts, call logs, SMS, media, or any other personal data from your device without your consent.

2. Why We Collect Your Data

We collect and process your personal information for purposes including but not limited to:

• Processing and evaluating your loan applications
• Conducting creditworthiness and KYC verification
• Fulfilling legal and regulatory requirements
• Enhancing user experience and improving our services
• Providing customer support and resolving disputes
• Sending important updates, offers, or service notifications (you may opt out)

3. Legal Basis for Processing

Your personal data is collected and used based on these legal reasons:

• Consent: Required for accessing credit reports and sending promotional content
• Contractual necessity: For processing loan applications or entering into service agreements
• Legal compliance: As mandated by applicable laws and regulatory bodies
• Legitimate interests: For fraud prevention, security, and service enhancement

4. Data Accuracy & Updates

You are responsible for ensuring the data you provide is accurate and up to date. You can request correction or update by contacting our support team.

5. Your Rights

As a user, you have the following rights:

• Access your personal information
• Request correction of incorrect or incomplete data
• Withdraw your consent at any time; however, this may impact your access to certain services
• Request deletion or portability of your data
• Opt out of marketing communications

6. Data Retention Policy

• Credit bureau data is retained for up to 6 months or until no longer required, whichever is earlier
• Other personal data is retained only as long as necessary to comply with legal, regulatory, or operational requirements
• We permanently delete or anonymize your data after it’s no longer needed

7. Information Sharing & Disclosure

Your data may be shared with:

• Banks and NBFCs registered with the RBI for evaluating loan eligibility and processing applications
• Third-party service providers (e.g., KYC agencies, credit bureaus) under strict confidentiality and data protection agreements
• Regulatory and law enforcement agencies if required by applicable laws

We never sell your personal information to third parties under any circumstances.

8. Security Measures

We employ industry-standard security protocols including:

• SSL encryption
• Secure server infrastructure
• Role-based access controls
• Multi-layered firewall systems

While we strive to protect your data, no digital system is 100% secure. We advise you to use strong passwords and remain vigilant against phishing or fraud.

9. Use of Cookies

We use cookies and similar technologies to:

• Remember user preferences
• Track site performance and analytics
• Improve overall website experience

You can control or disable cookies at any time by adjusting your browser settings.

10. Compliance with Indian Data Privacy Laws

This policy complies with:

• Information Technology Act, 2000 and its associated rules
• Information Technology Rules, 2011 — covering Reasonable Security Practices and Protection of Sensitive Personal Data
• Digital Personal Data Protection Act, 2023

All legal issues will be handled by courts in Jaipur, Rajasthan, India.

11. Children’s Privacy

Our services are only for people who are 18 or older. We do not collect data from anyone under 18 on purpose. If we find out we have such data, we will delete it right away.

12. Updates to This Policy

We may change this Privacy Policy to reflect updates in our practices or to meet legal requirements. Using our services after changes means you agree to the new terms. We suggest you check this page often.