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Privacy Policy 

Effective Date: November 2024 

At Instalment Express, your privacy is of paramount importance to us. We are committed to maintaining the confidentiality and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect the information you provide to us when you access our website or use our services. By using our services, you consent to the practices described in this policy. 

1. Information We Collect

We collect information to provide better services and ensure seamless loan processing. The types of information we collect include:

a. Personal Information 

This includes data that identifies you directly or indirectly, such as:
  • Identification Information: Name, date of birth, and government-issued identification numbers (e.g., PAN, Aadhaar). 
  • Contact Details: Email address, phone number, and mailing address. 
  • Financial Information: Bank account details, income, employment details, and credit history where applicable. 
  • Loan-Specific Information: Details of your loan request, including purpose, repayment preferences, and other related data. 

b. Non-Personal Information 

This includes data that cannot identify you personally, such as:
  • Device Information: Browser type, operating system, and device details. 
  • Usage Information: Pages visited, time spent on the website, and clickstream data.  
  • IP Address: Location data derived from your IP address to enhance our services.  

c. Cookies and Tracking Technologies 

We use cookies, web beacons, and similar technologies to:
  • Enhance user experience by remembering preferences. 
  • Monitor website traffic and analyze trends.  
  • Deliver targeted advertisements and marketing campaigns. 
You can manage your cookie preferences through your browser settings.

2. How We Use Your Information 

We use the collected information to deliver efficient services and ensure compliance with legal obligations. Specific purposes include:

a. Loan Processing 

  • Evaluating eligibility and creditworthiness. 
  • Verifying the accuracy of the information provided. 
  • Communicating loan approval, rejection, or additional requirements.

b. Service Improvement 

  • Enhancing user experience through personalized content. 
  • Conducting data analysis and research to improve our products and services.  

c. Customer Support 

  • Addressing queries, concerns, and feedback. 
  • Providing updates about your loan status or account activity. 

d. Marketing and Promotions 

  • Sending offers, updates, and newsletters about our services. 
  • Delivering customized advertisements based on browsing behavior (with consent). 

3. Data Sharing and Disclosure 

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

a. Service Providers 

We may share data with trusted third-party partners who assist us in providing services, such as: 
  • Credit reporting agencies for eligibility checks. 
  • Payment processors to manage transactions. 
  • IT and analytics providers to enhance system performance and security. 
You can manage your cookie preferences through your browser settings.  

b. Legal Obligations 

We may disclose your data if required to:  
  • Comply with legal or regulatory requirements. 
  • Protect against fraud, unauthorized access, or legal claims. 

c. Corporate Transactions 

In case of a merger, acquisition, or asset sale, your data may be transferred as part of the business. 

4. Data Security 

Your information is safeguarded using industry-standard security measures, including: 
  • Encryption: All sensitive data is encrypted during storage and transmission.  
  • Access Controls: Only authorized personnel have access to your information.   
  • Regular Audits: Our systems are regularly monitored and tested for vulnerabilities.  

5. Your Rights 

We are committed to empowering you to exercise control over your personal data. You have the following rights:  

a. Access and Correction 

Request access to your data and correct inaccuracies.   

b. Data Deletion 

Request deletion of your data, subject to legal and operational requirements. 

c. Consent Management 

Withdraw consent for marketing communications or other processing activities. 

d. Data Portability 

Request transfer of your data to another service provider, where feasible.
To exercise these rights, contact us at legal@instalmentexpress.com   

6. Third-Party Links 

Our website may contain links to third-party websites. These sites operate independently of Instalment Express and have their privacy policies. We encourage you to review their policies before sharing any information. Instalment Express is not responsible for the practices of these third-party sites. 

7. Children’s Privacy 

Instalment Express does not offer services to individuals under the age of 18. We do not knowingly collect or process personal data from minors. If we become aware that a minor has provided us with personal information, we will delete it immediately. 

8. Changes to This Privacy Policy 

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Any changes will be posted on this page with an updated “Effective Date.” We encourage you to review this policy regularly.  

9. Contact Us 

If you have questions or concerns about this Privacy Policy or how we handle your personal information, please contact us: 
Instalment Express
Email: legal@instalmentexpress.com
Phone: +91 9322281410
Address: 2nd Floor Arrisa Avenue, Kharadi, Pune – 411014  
This detailed Privacy Policy underscores our commitment to protecting your information while providing you with a seamless and secure loan experience. Thank you for trusting Instalment Express

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