When you use our loan services, we collect personal information that you provide directly to us. This includes your name, email address, phone number, date of birth, employment details, income information, bank account details, and other financial information necessary to process your loan application.
We may also collect information about your credit history, CIBIL score, and other credit-related data from credit bureaus and financial institutions to assess your loan eligibility and determine appropriate loan terms.
When you visit our website, we automatically collect certain information about your device and browsing behavior, including your IP address, browser type, operating system, pages visited, time spent on pages, and referring website addresses.
Device information (IP address, browser type, operating system)
Usage data (pages visited, time spent, click patterns)
Location data (general geographic location based on IP)
Cookies and similar tracking technologies
This information helps us improve our services, analyze user behavior, and provide you with a better experience on our platform.
We use your personal information primarily to provide, maintain, and improve our loan services. This includes processing your loan applications, verifying your identity and creditworthiness, communicating with you about your loan status, and providing customer support.
Your financial information is used to assess your loan eligibility, determine appropriate interest rates and loan terms, and facilitate the loan approval and disbursement process.
We may also use your information to send you important updates about your loan account, promotional offers for new loan products (with your consent), conduct market research and analytics, comply with legal obligations, prevent fraud and ensure security, and improve our website and services.
Account management and customer service
Marketing communications (with your consent)
Legal compliance and regulatory requirements
Fraud prevention and security measures
We will never sell your personal information to third parties for their marketing purposes without your explicit consent.
We share your information with our partner banks, financial institutions, and lenders to process your loan applications and facilitate loan disbursements. These partners are bound by strict confidentiality agreements and are only authorized to use your information for the specific purpose of evaluating and processing your loan application.
We may also share your information with credit bureaus and credit rating agencies to verify your credit history and assess your creditworthiness as part of the loan approval process.
We may share your information with trusted third-party service providers who assist us in operating our website, conducting business, or serving our users. These service providers include cloud hosting providers, payment processors, analytics services, and customer support platforms.
Cloud storage and hosting services
Payment processing and verification services
Analytics and marketing service providers
Legal and compliance advisors
All third-party service providers are contractually obligated to protect your information and use it only for the purposes specified in our agreements with them.
We implement industry-standard security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction. This includes the use of encryption technologies, secure socket layer (SSL) protocols, firewalls, and regular security audits.
All sensitive financial information is encrypted both in transit and at rest. We use secure servers and databases with restricted access, and all employees and contractors are required to sign confidentiality agreements and undergo security training.
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records and loan-related information may be retained for extended periods as required by law or regulatory requirements.
Active accounts: Information retained while account is active
Closed accounts: Minimum 7 years as per regulatory requirements
Marketing data: Until you opt-out or request deletion
Legal requirements: As mandated by applicable laws
When information is no longer needed, we securely delete or anonymize it in accordance with our data retention policies and applicable legal requirements.
Cookies are small text files that are placed on your device when you visit our website. We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, personalize content, and remember your preferences.
We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period) to provide various functionalities on our website.
We use essential cookies that are necessary for the website to function properly, analytics cookies to understand how visitors interact with our site, and marketing cookies to deliver relevant advertisements and track campaign effectiveness.
Essential cookies: Required for website functionality
Analytics cookies: Help us improve website performance
Marketing cookies: Enable personalized advertising
Preference cookies: Remember your settings and choices
You can control and manage cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our website.
You have the right to access, review, and update your personal information at any time. You can access your account information through your user dashboard or by contacting our customer support team. If you find any inaccuracies in your information, you can request corrections.
You also have the right to request a copy of all personal information we hold about you in a structured, commonly used, and machine-readable format.
You have several rights regarding your personal information, including the right to request deletion of your data (subject to legal and regulatory requirements), the right to object to certain processing activities, the right to restrict processing in certain circumstances, and the right to data portability.
Right to access your personal information
Right to correct inaccurate information
Right to request deletion of your data
Right to opt-out of marketing communications
To exercise any of these rights, please contact us using the contact information provided in this privacy policy. We will respond to your request within a reasonable timeframe and in accordance with applicable laws.
Our website may contain links to third-party websites, services, or applications that are not operated or controlled by us. These third-party services have their own privacy policies and terms of service. We are not responsible for the privacy practices or content of these external sites.
When you click on links to third-party websites or use third-party services integrated into our platform, your information may be collected by those third parties. We encourage you to review the privacy policies of any third-party services you access through our platform.
We may integrate third-party services into our platform for various functionalities, including payment processing, identity verification, credit checks, and analytics. These services may collect and process your information in accordance with their own privacy policies.
Payment gateway providers for transaction processing
Credit bureaus for credit history verification
Identity verification services for KYC compliance
Analytics platforms for website performance tracking
We carefully select our third-party service providers and ensure they meet our security and privacy standards. However, we recommend reviewing their privacy policies to understand how they handle your information.
Our services are intended for individuals who are at least 18 years of age. We do not knowingly collect personal information from children under the age of 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately.
If we become aware that we have collected personal information from a child under 18 without parental consent, we will take steps to delete that information from our systems as soon as possible.
In cases where we may need to collect information from individuals under 18 (such as for educational loans with parental co-signers), we require explicit parental consent and verification before processing any such information.
Services restricted to users 18 years and older
No intentional collection of data from minors
Immediate deletion if minor data is discovered
Parental consent required for educational loans
We are committed to protecting the privacy of children and comply with all applicable laws and regulations regarding the collection of information from minors.
We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes to this policy, we will notify you by email (sent to the email address specified in your account) or by posting a prominent notice on our website.
We encourage you to review this privacy policy periodically to stay informed about how we collect, use, and protect your information. Your continued use of our services after any changes to this policy constitutes your acceptance of the updated policy.
The effective date of this privacy policy is indicated at the top of this document. We will maintain a version history of all policy changes, and you can access previous versions upon request.
Notification of material changes via email
Prominent notice on website for significant updates
Version history maintained for transparency
Continued use implies acceptance of changes
If you do not agree with any changes to this privacy policy, you may discontinue using our services and request deletion of your account and personal information, subject to our legal and regulatory obligations.
If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact our Privacy Officer. We are committed to addressing your privacy concerns and will respond to your inquiries in a timely manner.
You can reach us through email, phone, or postal mail. For privacy-related matters, we recommend using our dedicated privacy contact channel to ensure your inquiry is handled by the appropriate team.
For privacy-related inquiries, data access requests, or to exercise your privacy rights, you can contact us using any of the following methods. Please include your full name, email address, and a description of your request to help us process it efficiently.
Email: privacy@KASLoans.com
Phone: Available through customer support
Postal Mail: Contact us for our mailing address
Response Time: Within 30 days of receipt
We take your privacy seriously and will make every effort to address your concerns promptly and thoroughly. If you are not satisfied with our response, you may also contact your local data protection authority.
