1. Information we collect

We may collect the following types of information when you interact with Loan Kitab:

• Information you provide: name, email address, phone number, postal address, date of birth, government ID (if required for verification), employment and income details, and any other information you provide when applying for a loan or contacting us.
• Application & financial data: loan amount requested, repayment preferences, bank account details, KYC/identity verification data (where applicable).
• Automatically collected data: IP address, device information (model, OS, browser), pages visited, referral URL, timestamps, and analytics data.
• Cookies & tracking: information from cookies and similar technologies. See the “Cookies & Tracking” section below.

2. How we use your information

We use collected information for purposes including:

• To provide, operate and maintain our services (loan application processing, account management).
• To verify identity, perform KYC and credit checks (where necessary).
• To communicate with you about your account, applications, updates, and marketing (with your consent where required).
• To personalise content and improve our website and offerings.
• To prevent fraud, abuse, and to comply with legal obligations.
• To send transactional messages, reminders, or notices about security and policy changes.

We will only use your sensitive financial and identity data where necessary and with appropriate safeguards and legal basis.

3. Cookies & tracking technologies

We use cookies, local storage, and similar technologies to enhance your experience. Cookies help us remember preferences, enable core site functionality, and gather analytics.

• Essential cookies: required for the site to function (session management, form submissions).
• Performance & analytics: Google Analytics and other tools that help us understand traffic and improve features.
• Advertising & targeting: used if you opt into marketing to provide relevant offers.

You can manage cookie preferences through your browser settings. Blocking certain cookies may affect site functionality.

4. Third-party services & sharing

We may share information with:

• Service providers who help operate our website and services (payment processors, hosting providers, analytics providers).
• Credit bureaus and payment networks for credit checks and risk assessment.
• Law enforcement, regulators, or other parties when required by law or to protect rights and safety.

We require third-party partners to keep your data secure and only use it for permitted purposes. We do not sell your personal data.

5. Data retention

We retain personal data only as long as necessary to fulfil the purposes described in this policy, to comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods vary by data type and legal requirement.

6. Security

We use reasonable administrative, technical, and physical safeguards to protect personal data. However, no method of transmission or storage is 100% secure. If we learn of a data breach that is likely to result in serious harm, we will notify affected users and regulators as required by law.

7. Your rights

Depending on your jurisdiction, you may have rights including:

• Access and receive a copy of your personal data.
• Correct inaccurate or incomplete data.
• Request deletion of personal data (subject to legal exceptions).
• Object to or restrict processing of personal data.
• Withdraw consent where processing is based on consent.

To exercise these rights or make requests, contact us at the address below. We may ask to verify your identity before fulfilling requests.

8. Children

Our services are not intended for children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us personal data, contact us and we will take steps to remove it.

9. International transfers

Your information may be processed or stored in countries other than your own. Where required, we will implement safeguards to ensure an adequate level of protection for your data.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Effective date” at the top. Material changes may be communicated by email or prominent notice on our site.

11. Contact us

If you have questions, requests, or concerns about this Privacy Policy, please contact:

Loan Kitab
Email: privacy@loankitab.com
Phone: +91 93074 45907
Address: [Insert company address]