Personal Data Processing Consent

1.Personal Data We Collect

Depending on the products or services you request, we may collect and process the following categories of personal data:

Identity Information

• Full name
• Date of birth
• Gender
• Photograph
• Government-issued identification details (such as PAN, Aadhaar, Passport, Voter ID, Driving Licence or any other officially valid document)

Contact Information

• Mobile number
• Email address
• Residential and correspondence address

Financial Information

• Bank account details
• Income and employment information
• Salary or business details
• Loan repayment history
• Existing liabilities
• Credit score and credit reports obtained from authorized Credit Information Companies (CICs)

KYC and Verification Information

• Documents submitted for Know Your Customer (KYC) verification
• Information required under applicable RBI regulations, the Prevention of Money Laundering Act (PMLA), and related regulatory requirements

Loan-related Information

• Loan applications
• Supporting financial documents
• Property or collateral information (where applicable)
• Guarantor information (where applicable)
• Repayment performance and servicing records

Technical Information

When you access our website or digital platforms, we may collect technical information such as:

• IP address
• Device information
• Browser information
• Cookies and similar technologies
• Usage and log information

2.Purpose of Processing

We process your personal data only for lawful purposes, including:

Loan Evaluation and Processing

• Assessing your eligibility for credit
• Conducting credit appraisal and underwriting
• Verifying identity and KYC information
• Evaluating repayment capacity
• Assessing collateral or security where applicable

Loan Administration

• Loan approval or rejection
• Loan disbursement
• Account servicing
• Collection of repayments
• Customer support

Regulatory Compliance

To comply with applicable laws and regulatory requirements, including but not limited to:

• RBI regulations
• RBI Digital Lending Guidelines
• Know Your Customer (KYC) Directions
• Prevention of Money Laundering Act (PMLA)
• Credit Information Companies (Regulation) Act
• Income-tax and other statutory requirements

Risk Management

• Fraud prevention
• Identity verification
• Transaction monitoring
• Internal audits
• Security monitoring

Credit Bureau Reporting

To obtain and furnish information to authorized Credit Information Companies (CICs) as permitted by applicable law.

Recovery and Enforcement

Where permitted by law, we may process personal data for:

• Recovery of overdue loans
• Enforcement of contractual rights
• Legal proceedings
• Exercise of security interests
• Recovery through authorized recovery mechanisms

Service Improvement

• Improving our lending services
• Website analytics
• Customer experience enhancement
• Product development

Marketing Communications

We may send information regarding our products or services only where permitted under applicable law and, where required, based on your consent.

3.Sharing of Personal Data

We may share your personal data only where necessary and permitted by applicable law, including with:

• Loan Service Providers (LSPs)
• Credit Information Companies (CICs)
• KYC verification agencies
• Payment service providers
• Collection agencies authorized by us
• Legal, regulatory or governmental authorities
• Auditors and professional advisors
• Technology service providers acting on our behalf

All such disclosures shall be made only for lawful purposes and subject to appropriate contractual and security safeguards.

4.Retention of Personal Data

Your personal data will be retained only for as long as necessary to:

• Provide our lending services;
• Comply with applicable legal and regulatory requirements;
• Resolve disputes;
• Enforce contractual obligations; or
• Meet record retention obligations prescribed under applicable laws.

Upon expiry of the applicable retention period, personal data will be securely deleted or anonymized unless continued retention is required by law.

5.Your Rights

Subject to the provisions of the Digital Personal Data Protection Act, 2023, you may exercise the following rights:

• Right to obtain information regarding the processing of your personal data;
• Right to request correction or updating of inaccurate or incomplete personal data;
• Right to request erasure of personal data where permitted under applicable law;
• Right to withdraw consent at any time, where processing is based on consent;
• Right to seek redress of grievances through our designated grievance mechanism;
• Right to nominate another individual to exercise your rights in accordance with applicable law.

Withdrawal of consent shall not affect any processing carried out prior to such withdrawal or any processing required under applicable law.

6.Your Consent

By providing your consent, you confirm that:

• You have read and understood this Consent;
• The personal data provided by you is true, accurate and complete to the best of your knowledge;
• You voluntarily consent to the collection, use, storage, sharing and processing of your personal data by Shree Krishna Beopar Private Limited for the purposes described in this Consent and in accordance with applicable laws.

7.Contact Us

For any questions, requests, withdrawal of consent, or grievances relating to the processing of your personal data, please contact:

If you are not satisfied with the resolution of your grievance, you may exercise the remedies available under the Digital Personal Data Protection Act, 2023 and other applicable laws.