Privacy Policy

DIGI-LOANS is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services. This policy applies to all users of our website (www.digi-loan.com), mobile applications, and related services. By using our platform, you consent to the data practices described in this policy. We comply with applicable Indian laws including the Information Technology Act, 2000, and rules thereunder, as well as RBI guidelines for DSA operations.

We collect the following types of information: PERSONAL INFORMATION: • Identity Information: Full name, date of birth, gender, PAN number, Aadhaar number, photographs • Contact Information: Address, email address, mobile number • Financial Information: Income details, bank statements, employment information, credit history • KYC Documents: ID proofs, address proofs, income documents AUTOMATICALLY COLLECTED INFORMATION: • Device Information: IP address, browser type, operating system, device identifiers • Usage Data: Pages visited, time spent, click patterns, search queries • Location Data: Geographic location (with your consent) • Cookies and Tracking: Session data, user preferences THIRD-PARTY INFORMATION: • Credit Bureau Data: Credit scores and reports from CIBIL, Experian, Equifax • Bank Verification: Account verification data from banking partners • Employment Verification: Data from employment verification agencies

We use collected information for the following purposes: LOAN PROCESSING: • Evaluating loan eligibility and processing applications • Conducting credit assessments and verification • Facilitating communication with lending partners • Managing loan documentation and disbursement PLATFORM OPERATIONS: • Creating and managing your account • Providing customer support and assistance • Sending transaction alerts and updates • Processing payments and commissions SERVICE IMPROVEMENT: • Analyzing usage patterns to improve our services • Developing new features and products • Conducting research and analytics • Personalizing your experience LEGAL AND COMPLIANCE: • Complying with legal obligations and regulations • Preventing fraud and unauthorized activities • Enforcing our terms and conditions • Responding to legal requests and court orders

We may share your information with: LENDING PARTNERS: • Banks and NBFCs for loan processing and approval • Information shared includes application details, KYC documents, and credit reports • Each lending partner has their own privacy policies SERVICE PROVIDERS: • Credit bureaus for credit score verification • Payment processors for transaction handling • Cloud service providers for data storage • Communication platforms for SMS and email services REGULATORY AUTHORITIES: • Reserve Bank of India (RBI) as required • Government agencies upon valid legal request • Law enforcement for fraud prevention WE DO NOT: • Sell your personal information to third parties • Share information for unrelated marketing purposes • Disclose information without legitimate business need

We implement comprehensive security measures to protect your data: TECHNICAL SAFEGUARDS: • 256-bit SSL encryption for all data transmissions • Encrypted storage for sensitive personal information • Secure server infrastructure with regular security audits • Multi-factor authentication for account access • Regular security testing and vulnerability assessments ADMINISTRATIVE CONTROLS: • Strict access controls and role-based permissions • Employee training on data protection practices • Background checks for personnel handling sensitive data • Incident response procedures for security breaches PHYSICAL SECURITY: • Secure data centers with 24/7 monitoring • Restricted physical access to servers • Disaster recovery and backup systems Despite our best efforts, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security but are committed to protecting your information to the best of our abilities.

You have the following rights regarding your personal information: ACCESS AND CORRECTION: • Request access to your personal information we hold • Request correction of inaccurate or incomplete data • Receive a copy of your data in a portable format CONSENT MANAGEMENT: • Withdraw consent for data processing (may affect services) • Opt-out of marketing communications • Manage cookie preferences DATA DELETION: • Request deletion of your personal information • Subject to legal retention requirements • Some data may be retained for legitimate business purposes COMMUNICATION PREFERENCES: • Choose how we contact you (email, SMS, phone) • Opt-out of promotional communications • Continue receiving transactional updates To exercise these rights, contact us at operation@digi-loan.com or call +91 8597383582.

Our platform uses cookies and similar technologies: TYPES OF COOKIES: • Essential Cookies: Required for platform functionality • Performance Cookies: Help us understand how you use our platform • Functional Cookies: Remember your preferences and settings • Analytics Cookies: Provide insights for service improvement THIRD-PARTY COOKIES: • Google Analytics for usage analysis • Payment processor cookies for transactions • Social media cookies for sharing features MANAGING COOKIES: • You can control cookies through browser settings • Disabling cookies may affect platform functionality • Our Cookie Consent banner allows you to manage preferences We do not use cookies for targeted advertising or sell cookie data to third parties.

We retain your information based on the following criteria: RETENTION PERIODS: • Active Account Data: Duration of account activity plus 7 years • Loan Application Data: 10 years from application date (as per regulatory requirements) • KYC Documents: As mandated by RBI and other regulators • Transaction Records: 10 years for financial records • Communication Records: 5 years from last communication AFTER RETENTION PERIOD: • Data is securely deleted or anonymized • Some data may be retained in aggregated form for analytics • Legal holds may extend retention as required DATA MINIMIZATION: • We only collect data necessary for stated purposes • Regular reviews to remove unnecessary data • Archival of inactive data with restricted access

Our platform is not intended for individuals under 18 years of age. • We do not knowingly collect information from children • If we discover we have collected data from a child, we will delete it promptly • Parents or guardians who believe their child has provided information should contact us immediately All loan applicants must be at least 18 years old as per Indian banking regulations.

We may update this Privacy Policy from time to time to reflect: • Changes in our data practices • New regulatory requirements • Platform feature updates • Feedback from users and stakeholders NOTIFICATION OF CHANGES: • Material changes will be communicated via email • Updated policy will be posted on our website • Effective date will be clearly indicated • Continued use constitutes acceptance of changes We encourage you to review this policy periodically for any updates.

In accordance with Information Technology Act, 2000 and rules made thereunder, we have appointed a Grievance Officer: GRIEVANCE OFFICER DETAILS: Name: Operations Team Email: operation@digi-loan.com Phone: +91 8597383582 WhatsApp: +91 8597383582 Address: DIGI-LOANS Kolkata, West Bengal India Response Time: We aim to acknowledge complaints within 48 hours and resolve them within 30 days. For regulatory complaints, you may also contact RBI through their Sachet portal: https://sachet.rbi.org.in/