Privacy Policy

This Privacy Policy explains how Shree Krishna Beopar Private Limited ("Company", "we", "our" or "us") collects, uses, stores, discloses and protects your personal data when you visit our website, apply for our financial products or use our lending services. We process personal data in accordance with the Digital Personal Data Protection Act, 2023, applicable rules, directions issued by the Reserve Bank of India (RBI), and other applicable laws.

1.Personal Data We Collect

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

• Identity information, including your name, date of birth, PAN, Aadhaar (where permitted by law), or other officially valid identification documents.
• Contact information, including your mobile number, email address and residential address.
• Financial and employment information, including bank account details, income, occupation, repayment history and credit information.
• Loan-related information, including application details, supporting documents, guarantor information and collateral details (where applicable).
• Technical information, including IP address, device information, browser type, cookies and website usage information.
• Any other information that is necessary to provide our lending services or to comply with applicable legal and regulatory requirements.

We collect only the personal data that is reasonably necessary for the purposes described in this Privacy Policy.

2.How We Use Your Personal Data

Your personal data may be processed for the following purposes:

• Evaluating and processing loan applications;
• Conducting identity verification and KYC checks;
• Assessing creditworthiness and repayment capacity;
• Disbursing and servicing loans;
• Communicating with you regarding your loan or our services;
• Preventing fraud, financial crime and unauthorized activities;
• Complying with legal, regulatory and reporting obligations;
• Resolving customer queries and grievances;
• Improving our products, services and website performance; and
• Sending promotional communications where permitted by law or where you have provided 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 (Credit Bureaus);
• KYC verification agencies;
• Payment service providers;
• Collection and recovery agencies authorized by the Company;
• Auditors, legal advisors and professional consultants;
• Technology and cloud service providers; and
• Regulatory authorities, courts or government agencies where required by law.

4.Data Security

We maintain appropriate administrative, technical and organizational security measures to protect personal data against unauthorized access, loss, misuse, alteration or disclosure.

Although we take reasonable steps to safeguard your information, no electronic transmission or storage system can be guaranteed to be completely secure.

5.Data Retention

We retain personal data only for as long as necessary to provide our services, fulfil contractual obligations, comply with legal or regulatory requirements, resolve disputes, or protect our legal rights.

Where retention is no longer required, personal data will be securely deleted or anonymized in accordance with applicable laws.

6.Your Rights

Subject to applicable law, you may have the right to:

• Request access to your personal data;
• Request correction or updating of inaccurate information;
• Request erasure of personal data where permitted by law;
• Withdraw your consent where processing is based on consent;
• Raise concerns through our grievance redressal mechanism; and
• Nominate another person to exercise your rights where permitted under applicable law.

Withdrawal of consent will not affect any processing carried out before such withdrawal or any processing required under applicable law.

7.Cookies

Our website may use cookies and similar technologies to improve website functionality, analyse traffic and enhance user experience.

You may manage or disable cookies through your browser settings. However, doing so may affect certain website functions.

8.Third-Party Services

Our website or digital lending platform may use third-party service providers for technology, analytics, payment processing, customer support and regulatory compliance. These service providers process personal data only for authorized purposes and are required to maintain appropriate confidentiality and security safeguards.

9.Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices or applicable laws. The latest version will always be available on our website and will become effective upon publication.

10.Contact Us

If you have any questions, requests or complaints regarding this Privacy Policy or the processing of your personal data, please contact: