Privacy and Security Policy
Date Last Revised: 17/09/2014
By providing your number at TheLoanWala.com you are authorizing The LoanWala & it's representatives to give you a call to offer you our services for the product you have opted for, imparting product knowledge, offering promotional offers running on website & offers offered by our partner banks. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing The LoanWala & it's representatives to give you a call for the above mentioned purposes till 45 days of leaving your number on our website. Also based on your active opt-in you are open to receiving promotional offers from The LoanWala & our partner banks. Hence, there is no DNC check required for the number you have left on our website.
TheLoanWala.com is committed to maintaining the confidentiality, integrity and security of all the personal information of our users. This Privacy & Security Policy explains how we protect personal information provided through our websites such as www.TheLoanWala.com and how we use that information in connection with our service offered through the Site (the "Service"). "Personal information" for purposes of this Policy means information that identifies you, such as your name, address, phone number or email address. TheLoanWala.com applies high privacy and security standards to protect your personal information. We regularly re-evaluate our policies and adapt them as necessary to deal with new challenges & regulation by different govt. Institution.
Your personal information will never be sold
We will not sell or rent your personal information to anyone, for any reason, at any time. TheLoanWala.com uses and discloses your personal information only as follows:
- to analyze usage of the site and to improve the Service;
- to send you any administrative notices, offer alerts and communications relevant to your use of the Service;
- to enable you to apply for certain products and services for which you have chosen to apply;
- for market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
- to third-party contractors that provide services to TheLoanWala.com and are bound by these same privacy restrictions;
- as otherwise set forth in this Privacy and Security Policy.
We limit the collection and use of personal information
Certain areas and features of TheLoanWala.com are available to you without the need to provide to us any information. However, other features of the Site or the Service such as applying for a loan will require providing TheLoanWala.com with details such as a your name, email address, address, mobile #, PAN #, employment & income details, personally identifying information about a potential co-loan applicant (should you select this option), password and to participate on our forum boards, a username (collectively the "Registration Information"). In order to provide your bank statement or payslip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow TheLoanWala.com to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/payslips and are not stored in our system.
From time to time we may request more personal information in order to provide you with other benefits of the Service. In such instances, you will always be given the opportunity to provide or to decline to provide that information, and it will be used only for the stated purpose. TheLoanWala.com may make anonymous or aggregate personal information and disclose such data only in a non-personally identifiable manner to:
- Third parties for their marketing and promotional purposes, such as the number of users who applied for a loan
- Users of the Service for the purpose of comparing of their personal financial situation relative to the broader community.
Changes to your registration information
If your Registration Information provided when you applied for a product on Sites changes, you may update it whenever you apply for a new product such as a loan via the Service. To review and update your personal information to ensure it is accurate while your application is in process, contact us at support@TheLoanWala.com. You will not be able to update the information you have provided in an application after a decision has already been made on it; however you may create and submit a new application with your updated information. We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at support@TheLoanWala.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Session information is only used to improve your experience on the site
When you visit TheLoanWala.com, we may collect technical and navigational information, such as operating system type, browser type, IP address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to potential software compatibility issues, or it may be analyzed to improve the Site.
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer's hard drive. TheLoanWala.com may set and access cookies on your computer to track and store preferential information about you. For example, TheLoanWala.com may assign a cookie to you, to enable you to adjust your loan search preferences without needing to re-enter your information. Please note that almost all Internet browsers will allow you to delete cookies stored on your computer and to stop cookies from being stored on your computer. If you choose to eliminate cookies, the full functionality of the Service will be impaired for you.
We encrypt our cookies so that only we can interpret them.
Web beacons are images embedded in a Web page or email for the purpose of measuring and analyzing site usage and activity. TheLoanWala.com, or third party service providers acting on our behalf, may use Web beacons to help us study Site usage and improve the Service.
Behavioural Targeting / Re-Targeting
Third parties will not be given your personal information unless you ask us to do so.
Testimonials, Blogs and other forums on TheLoanWala.com
With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at support@TheLoanWala.com. If you use a blog or other public forum on our Site, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these forums. These forums may be hosted by TheLoanWala.com or by one of our third party service providers on TheLoanWala.com's behalf. To request removal of your personal information from our blog or community forum, contact us at support@TheLoanWala.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Additional Policy Information
Facebook, Twitter, & Other Social Networking Media You may link to our site using social networking services such as Facebook & Twitter. These services will authenticate your identity and provide you the option to share certain personal information with us such as your sign-in information, name and email address to link between the sites. Social networking media services like Facebook & Twitter give you the option to post information about your activities on this Web site to your profile page to share with others within your network.
Like Button If you use the "Like" button to share something, that item will appear on your Facebook profile page and also on your friends' newsfeed, depending on your Facebook privacy settings. You may also receive updates in your Facebook newsfeed from this site or item in the future. Facebook also collects information such as which pages you have visited on this and other sites that have implemented the "Like" button.
Disclosure of your information to protect our rights or if required by law
Notwithstanding the foregoing, TheLoanWala.com reserves the right (and you authorize TheLoanWala.com) to share or disclose your personal information when TheLoanWala.com determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
- as required by law, such as to comply with a subpoena, or similar legal process
- when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request
- if TheLoanWala.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information
- to any other third party with your prior consent to do so.
Email & SMS communications from us
We provide our registered customers with periodic e-mailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting TheLoanWala.com or third-party goods or services. TheLoanWala.com subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails/SMS, such as email/SMS alerts.
We keep your data secure
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect TheLoanWala.com accounts and systems from unauthorized access.
When you register for the Service, TheLoanWala.com requires a password from you for your privacy and security. TheLoanWala.com transmits information such as your Registration Information for TheLoanWala.com or Account Credentials securely.
Our servers are in secure facilities where access requires multiple levels of authentication, including an identity card and biometrics recognition procedures. Security personnel monitor the facilities 7 days a week, 24 hours a day.
Our databases are protected from general employee access both physically and logically. We encrypt your Service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.
We enforce physical access controls to our buildings.
No employee may put any sensitive content on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).
However, it is important to understand that these precautions apply only to our Site and systems.
You are responsible for maintaining the confidentiality of your login id and password
If you have any security related concern, please contact us at privacy@TheLoanWala.com. We will work closely with you to ensure a rapid and personal response to your concerns.
Whenever there is a change to our Privacy and Security Policy we post updates on our website
Contact us with any questions or concerns
If you have questions, comments, concerns or feedback regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to privacy@TheLoanWala.com.
R J FinCorp Consultancy Pvt. Ltd
H-95, Sector -63, Noida