At OneTapLoan, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and services (“Platform”).
sBy using OneTapLoan, you agree to the practices described in this Privacy Policy. If you do not agree, please refrain from using our services.
1. Information We Collect
We may collect the following types of information:
a) Personal Information
- Name, date of birth, gender, and contact details (phone, email, address).
- Government-issued IDs (PAN, Aadhaar, Passport, etc.) for KYC verification.
- Employment and income details.
- Bank account and financial information.
b) Non-Personal & Technical Information
- Device details, IP address, browser type, OS, and app usage.
- Cookies and similar technologies to improve user experience.
c) Loan Application Data
- Credit history, repayment records, credit bureau reports.
- Supporting documents you upload (salary slips, bank statements, business proofs).
2. How We Use Your Information
Your information may be used to:
- Verify your identity (KYC) and assess eligibility for loans.
- Process and manage your loan applications.
- Share details with our registered lending partners, NBFCs, and banks.
- Improve our services, user experience, and security.
- Communicate with you (status updates, repayment reminders, promotional offers).
- Comply with legal obligations and regulatory requirements.
3. Sharing & Disclosure
We may share your data with:
- Lending partners (Banks/NBFCs): To process and disburse loans.
- Credit Bureaus: For credit checks and reporting repayment behavior.
- Third-party service providers: For KYC, fraud detection, payment gateways, or analytics.
- Regulatory authorities: If required by law, court order, or government agencies.
We do not sell or rent your personal data to third parties.
4. Data Security
- We use encryption, firewalls, and secure servers to protect your information.
- Access to personal data is restricted to authorized personnel only.
- While we strive for 100% security, no system is completely foolproof, and you accept associated risks.
5. Data Retention
We retain your information as long as necessary for legal, regulatory, and business purposes.
Once the retention period ends, data will be securely deleted or anonymized.
6. Your Rights
Depending on applicable laws, you may have the right to:
- Access, update, or correct your personal information.
- Withdraw consent to data processing (may affect service availability).
- Request deletion of your information (subject to legal obligations).
- To exercise your rights, contact us at support@onetaploan.in.
7. Cookies & Tracking
- We use cookies and similar technologies for better functionality, personalization, and analytics.
- You can control cookie preferences through your browser settings.
8. Third-Party Links
Our Platform may contain links to external sites. We are not responsible for the privacy practices or content of such third parties.
9. Updates to this Privacy Policy
We may update this policy periodically. Any changes will be posted on this page with the updated date. Continued use of the Platform constitutes acceptance of the revised policy.
10. Contact Us
For queries, concerns, or complaints about this Privacy Policy, reach us at:
OneTapLoan
Email: onetaploan@gmail.com
