Privacy Policy

Aarya Loans Solution Pvt. Ltd. ("Aarya Loans", "we", "us", or "our") respects the privacy of individuals who visit our website, submit enquiries, or use our services.

This Privacy Policy explains how we collect, use, store, process and share personal information when you access our website or submit an enquiry/application for financial products facilitated through Aarya Loans.

By using our website or voluntarily providing your information to us, you acknowledge that you have read and understood this Privacy Policy.

1. About Aarya Loans

Aarya Loans Solution Pvt. Ltd. operates as a loan facilitation service, Direct Selling Agent (DSA) and authorised channel partner for various banks, NBFCs and financial institutions.

We facilitate customer enquiries and applications for financial products such as:

• Personal Loans
• Business Loans
• Home Loans
• Loan Against Property (LAP)
• New Car Loans
• Used Car Loans
• Education Loans
• Credit Cards, including HDFC Bank Credit Cards
• Other financial products offered through our authorised partners

Aarya Loans is generally not the lender. The relevant bank, NBFC or financial institution may independently process the customer's application and personal information under its own privacy policy and applicable requirements.

2. Information We May Collect

Depending on the product and services requested, we may collect information including:

A. Personal Information

• Full name
• Date of birth
• Gender, where required
• Mobile number
• Email address
• Residential address
• PAN details
• Aadhaar or other identity-document details, where required
• KYC-related information

B. Financial and Employment Information

• Monthly/annual income
• Employment details
• Employer/business name
• Business details
• Existing loan information
• Existing EMI obligations
• Banking information
• Bank account details, where required
• Credit-related information
• Property information for relevant loan products
• Vehicle information for vehicle loans

C. Documents

Depending on the financial product, we may receive or process:

• PAN card
• Aadhaar/identity documents
• Address proof
• Salary slips
• Income-tax returns
• Bank statements
• GST/business documents
• Property documents
• Vehicle documents
• Other documents required by the concerned lender

D. Technical Information

When you visit our website, certain technical information may automatically be collected, such as:

• IP address
• Browser type
• Device information
• Operating system
• Website pages visited
• Date and time of access
• Referring website
• Cookies and similar technologies

3. How We Collect Information

We may collect information:

• Directly from you through our website
• Through online enquiry/application forms
• Through telephone or WhatsApp communication
• Through email
• Through our authorised employees or representatives
• Through authorised referral/DSA partners
• From documents voluntarily submitted by you
• From banks, NBFCs or financial institutions where permitted
• From service providers assisting us with our business operations

We will seek appropriate consent wherever required under applicable law.

4. Purpose of Collecting Your Information

We may use your information for purposes including:

• Responding to your loan or financial-product enquiry.
• Understanding your eligibility for available products.
• Processing and facilitating your application.
• Sharing relevant information with appropriate banks, NBFCs or financial institutions for application processing.
• Completing KYC, verification and documentation requirements.
• Communicating with you regarding your application.
• Providing application-status updates.
• Providing information about relevant financial products and services.
• Preventing fraud and misuse.
• Maintaining business and transaction records.
• Complying with applicable laws and regulatory requirements.
• Improving our website, customer service and business processes.

5. Sharing of Personal Information

To facilitate the financial products requested by you, your information may be shared, where permitted and/or required, with:

• Banks
• NBFCs
• Financial institutions
• Credit information companies
• KYC/verification service providers
• Technology and IT service providers
• Communication service providers
• Document-processing/service providers
• Other authorised business partners involved in processing your enquiry/application

For example, if you submit an enquiry for a personal loan, relevant information may be shared with one or more appropriate lending partners for eligibility assessment and application processing.

The concerned lender may independently collect, process and retain your information according to its own privacy policy and applicable legal/regulatory requirements.

6. Credit Bureau and Credit Information

Where applicable and subject to the required consent, your information may be used by the concerned lender or authorised service provider to obtain or verify credit information from credit information companies such as:

• TransUnion CIBIL
• Experian
• Equifax
• CRIF High Mark

Aarya Loans does not independently determine your credit score or credit report.

7. Customer Consent

By submitting your details through our website or otherwise voluntarily providing information to us, you consent to our collection and use of your information for the purposes described in this Privacy Policy, subject to applicable law.

Where separate or specific consent is legally required, such consent will be obtained through an appropriate mechanism.

You may be contacted through:

• Phone calls
• SMS
• WhatsApp
• Email
• Other permitted communication channels

regarding your enquiry, application, financial products or related services.

8. Marketing Communications

Where permitted by applicable law and based on the relevant consent, we may send information regarding financial products, offers or services that may be relevant to you.

You may request to stop marketing communications by contacting us through our official contact details.

Please note that even after opting out of marketing communications, we may continue to send essential service-related communications concerning an existing enquiry, application or transaction where necessary.

9. Data Security

We take reasonable technical and organisational measures to protect personal information against unauthorised access, misuse, alteration, disclosure or destruction.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

Customers should also take reasonable precautions to protect their passwords, OTPs, banking information and other confidential information.

Aarya Loans will not ask customers to share OTPs, passwords, ATM PINs or internet banking passwords for loan processing.

10. Data Retention

We may retain personal information for as long as reasonably necessary to:

• Provide or facilitate requested services
• Complete application and transaction-related processes
• Maintain business records
• Meet contractual obligations
• Comply with applicable legal, regulatory and audit requirements
• Resolve disputes and enforce agreements
• Prevent fraud and misuse

The retention period may vary depending on the nature of the information and the purpose for which it was collected.

Where information is no longer required, it may be deleted, anonymised or securely disposed of, subject to applicable legal requirements.

11. Third-Party Websites

Our website may contain links to websites operated by banks, NBFCs, financial institutions or other third parties.

These third-party websites have their own privacy policies and terms.

Aarya Loans is not responsible for the privacy practices, security or content of third-party websites.

Customers should review the privacy policy of the relevant third party before providing information through its website.

12. Cookies

Our website may use cookies and similar technologies to:

• Improve website functionality
• Understand website usage
• Improve user experience
• Analyse website traffic
• Maintain website security
• Support marketing and communication activities, where applicable

You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

13. Children's Privacy

Our website and services are intended for adults who are legally eligible to apply for the relevant financial products.

We do not knowingly seek to collect personal information from children for loan or financial-product applications.

If we become aware that personal information has been submitted by a child without appropriate consent, we may take reasonable steps to delete such information, subject to applicable law.

14. Your Rights and Choices

Subject to applicable law, you may have rights regarding your personal information, including the right to:

• Request information about the personal data held by us
• Request correction of inaccurate or incomplete information
• Withdraw consent where withdrawal is legally available
• Request deletion of information where legally applicable
• Opt out of certain marketing communications
• Raise a complaint regarding the handling of your personal information

Some requests may be subject to legal, regulatory, contractual or operational limitations.

To exercise applicable rights or raise a privacy-related concern, please contact us using the details provided below.

15. Fraudulent or Unauthorised Communications

Aarya Loans does not authorise any person to collect confidential banking credentials such as:

• OTP
• ATM PIN
• Internet banking password
• UPI PIN
• Debit/Credit Card PIN

Customers should not share such information with anyone claiming to represent Aarya Loans, a bank or an NBFC.

If you receive a suspicious communication, please contact us through our official contact details.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, business practices, technology or applicable legal/regulatory requirements.

Any updated Privacy Policy will be published on our website with the revised effective date.

We encourage users to review this page periodically.

17. Grievance / Privacy Contact

If you have any questions, requests or complaints regarding the handling of your personal information, please contact us:

We will endeavour to address privacy-related concerns within a reasonable period and in accordance with applicable law.

18. Governing Law

This Privacy Policy shall be governed by the laws applicable in India.

Subject to applicable law, courts having jurisdiction in Mumbai, Maharashtra shall have jurisdiction over matters relating to this Privacy Policy.

19. Acceptance

By using the Aarya Loans website and submitting your personal information, you acknowledge that you have read and understood this Privacy Policy and agree to the processing of your information as described herein, subject to applicable law.