Privacy Policy

1. Introduction and scope

This Privacy Policy (“Policy”) explains how Zylo Capital Investments Private Limited, a company incorporated under the Companies Act, 2013 (CIN: U64990RJ2026PTC114941), with its registered office at E-161, First Floor, Ashiana Gulmohar Park, Bhiwadi, Tijara, Alwar, Rajasthan – 301019, India (“Company”, “we”, “us” or “our”), handles information collected through the website www.loanbazaar.io and any related mobile application Loanbazaar (together, the “Platform”, operated under the brand “Loan Bazaar”).

Loan Bazaar is a loan-comparison and facilitation platform. We help you discover, compare and apply for home-loan and related credit products offered by banks, non-banking financial companies and other regulated lenders (“Lending Partners”). We are not a lender. We do not sanction, price, underwrite or disburse loans. Any loan is granted directly by a Lending Partner under its own terms, and the credit relationship is between you and that Lending Partner.

This Policy is published in accordance with the Information Technology Act, 2000 and the rules framed under it, the Digital Personal Data Protection Act, 2023 and applicable rules, and other applicable Indian law. It should be read together with our Terms of Use and Grievance Redressal Policy.

By accessing the Platform, creating an account, or submitting your information to us, you confirm that you have read and understood this Policy and consent to the collection, use and sharing of your information as described here. If you do not agree, please do not use the Platform or provide us your information.

2. The information we collect

We collect the following categories of information:

• (a) Information you give us: Your name, date of birth, gender, residential and correspondence address, email address, mobile number, and the one-time passwords used to verify them. To process a loan enquiry we may also collect employment and income details, bank-account and existing-loan information, details of the property you intend to finance, PAN and other identifiers, and KYC documents and identity proofs you choose to upload.
• (b) Information collected automatically: Device and connection data such as IP address, device type, operating system, browser type, internet service provider, language settings, the pages you view, and your interactions with the Platform, collected through cookies and similar technologies.
• (c) Information from third parties: With your consent, we may receive information about you from credit information companies (credit bureaus), our Lending Partners, identity- and document-verification agencies, and analytics or fraud-prevention providers, to help present relevant products and progress your application.

Some of the above (such as financial information and certain KYC data) constitutes sensitive personal data. We collect it only where it is needed for the purposes in this Policy and handle it in line with applicable law.

Accuracy: You agree that the information you provide is true, current and complete, and that you will keep it updated through your account or by contacting us.

Minors: The Platform is intended for users aged 18 and above. We do not knowingly collect data from anyone under 18. If we learn that we have, we will delete it within a reasonable period. A parent or guardian who believes a minor has shared information with us may contact our Grievance Officer (Section 11).

Device permissions: During sign-up or while using certain features, we may request access to your device’s camera, storage, location or SMS. You may grant or decline these, though declining may limit certain features.

3. How we use your information

We use your information only for the following purposes:

• To create and administer your account and verify your identity;
• To operate the comparison features and present loan products that may suit your profile;
• To share your application and supporting details with Lending Partners you choose to apply to, so they can evaluate and process your request;
• To communicate with you about your enquiries, applications, service updates, security alerts and transactional messages;
• With your consent, to send you offers, product information and marketing communications;
• For internal analytics, research, auditing and improvement of our services;
• To detect, prevent and investigate fraud, security incidents and misuse of the Platform; and
• To comply with applicable law and respond to lawful requests from courts, regulators or government authorities.

4. How we share your information

We do not sell your personal data. We share it only as set out below:

• (a) Lending Partners: This is central to our service. When you choose to compare or apply for a product, you authorise us to share the relevant information with the applicable banks, NBFCs and other Lending Partners so they can assess eligibility, communicate with you and process your loan. Once shared, that Lending Partner handles your data under its own privacy policy, over which we have no control.
• (b) Credit bureaus: With your consent, we or our Lending Partners may share your information with, and obtain your credit information from, credit information companies for the purpose of evaluating your application.
• (c) Service providers: We share information with vendors who support us — for example, hosting, cloud storage, communication, payment, verification, customer-support and analytics providers — under obligations of confidentiality and only to the extent needed for their services.
• (d) Legal and regulatory: We may disclose information where required by law, regulation, legal process or enforceable governmental request, or where we believe disclosure is necessary to protect our rights, your safety or the safety of others, or to prevent fraud or credit risk.
• (e) Corporate transactions: If we are involved in a merger, acquisition, restructuring or sale of assets, your information may be transferred as part of that transaction, subject to the recipient honouring protections at least as strong as those in this Policy.
• (f) Cross-border transfers: Your information may be stored or processed outside India by us or our service providers. Where this happens, we take steps consistent with applicable Indian law to ensure it remains protected, and by using the Platform you consent to such transfer.

5. Your consent and your choices

Withdrawing consent: You may withdraw consent you have given for the processing of your personal data at any time by contacting our Grievance Officer or using the consent-withdrawal process on the Platform. Withdrawal will not affect processing already carried out, and may mean we can no longer provide some or all of the services.

Your rights: Subject to applicable law, you may request access to the personal data we hold about you, ask us to correct or update inaccurate data, request erasure, and nominate another individual to exercise your rights in the event of death or incapacity. To exercise these rights, contact our Grievance Officer.

Marketing opt-out: You can opt out of promotional communications using the unsubscribe link in our emails, the opt-out option in messages, or by contacting us. We will still send you essential service and transactional messages.

6. Cookies and tracking technologies

We use cookies and similar technologies to keep you signed in, remember your preferences, understand how the Platform is used, and improve and secure our services. We do not store sensitive personal information in cookies. You can disable or delete cookies through your browser settings, though some features may not work properly as a result. Some third parties (for example analytics or advertising partners) may set their own cookies through the Platform; their use of cookies is governed by their own policies, which we do not control.

7. Data security

We maintain reasonable technical, administrative and physical safeguards — including encryption in transit, access controls and secured networks — designed to protect your information against unauthorised access, alteration, disclosure or loss, in line with applicable law. Access is restricted to authorised personnel bound by confidentiality obligations. No system is completely secure; while we work to protect your data, we cannot guarantee absolute security, and you share information with us at your own risk. Please notify us immediately of any suspected unauthorised access or security breach.

8. Data retention

We retain your information only for as long as necessary to fulfil the purposes in this Policy, including to provide our services, comply with legal, regulatory, accounting or reporting obligations, resolve disputes and enforce our agreements. When data is no longer required, we delete or anonymise it.

9. Third-party links

The Platform may contain links to third-party websites and the sites of Lending Partners. We are not responsible for the content, privacy practices or accuracy of those sites. We encourage you to review their privacy policies before sharing your information with them.

10. Changes to this Policy

We may update this Policy from time to time. The current version will always be posted on the Platform with a revised “Last updated” date and takes effect once posted. Please review it periodically. Your continued use of the Platform after changes are posted constitutes acceptance of the updated Policy.

11. Grievance Officer

In accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023, the contact details of our Grievance Officer are:

We aim to acknowledge and resolve complaints within the timelines prescribed under applicable law.

12. Governing law and jurisdiction

This Policy is governed by the laws of India. Any dispute arising out of or relating to this Policy is subject to the exclusive jurisdiction of the courts at Alwar, Rajasthan.

13. Severability

If any provision of this Policy is held invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in full force.

14. Contact us

For any questions about this Policy or your information, contact us at info@loanbazaar.io or E-161, First Floor, Ashiana Gulmohar Park, Bhiwadi, Tijara, Alwar, Rajasthan – 301019, India.