Protecting your privacy is a top priority for Paisalello. This Privacy Policy outlines how Paisalello along with its partners, agents, and affiliates gathers uses, maintains, and discloses information collected from users of Paisalello. The policy covers the following aspects:

1. Personal Identification Information:

We may collect personal identification information from users through various means, including, but not limited to when users visit our site, subscribe to the newsletter, fill out a form, or engage in other activities, services, features, or resources available on our site. Users may be asked for, as appropriate, their name, email address, mailing address, and phone number. It's important to note that users can visit our site anonymously. While users can choose not to provide personal identification information, doing so may restrict their participation in certain site-related activities.

2.1 Information You Provide Us:

• Information you type into forms on the website or apps.
• Messages you send us through email, chat, or calls.
• Information you share when signing up for the website or apps, subscribing to services (like applying for a loan), searching for something, or reporting a problem.
• Personal stuff like your name, address, gender, birthdate, email, phone number, username, password, and other sign-up details.
• Extra documents such as proof of identity, address, PAN card, proof of having Aadhaar (with the Aadhaar number hidden), and financial details like salary, bank account number, bank statements, credit info, and ID copies.
• Information Created by Your Actions.
• Details are made when you use our website and apps.

2.2 Purpose Of Information Collected By Paisalello:

Here are some reasons we collect and use your information:

• To provide the products or services you asked for.
• To share details with our partners for credit decisions about you.
• To investigate if our terms are broken or for legal defense.
• In special cases, like following the law or legal orders, we may disclose information.
• We might check credit bureaus, make credit reports, and use fraud prevention agencies.
• We may contact you through email, SMS, letter, phone, or other ways about our products and services.
• To prevent and detect fraud, money laundering, terrorism, and other crimes.
• To assess your creditworthiness and improve products based on your interests.
• To provide information for research by external bodies.
• For administrative and operational actions, including system testing.
• To trace you for onboarding or KYC requirements.
• To recover any payments you owe to us or our partners.
• To show you advertisements.
• To contact you for surveys.
• To maintain records under applicable laws or agreements.
• To carry out business analysis, market research, and product improvement efforts.
• For process reviews and audits under regulatory frameworks.
• Details needed for administration, services, and product improvement.
• Recording and monitoring calls for quality checks, staff training, and fraud prevention.
• Accessing location information to validate your address and increase loan approval chances.
• Collecting information about apps and accounts for credit profile enrichment.

3. Disclosure to Third Parties

Paisalello is committed to keeping your information confidential and won't sell, rent, or disclose it for commercial purposes in a way that goes against the promises made in this Privacy Policy. However, there are situations where we might share your information:

With third parties: This includes our group company, employees, agents, business partners (like Banks/NBFCs), Credit Information Companies (CICs), Payment Aggregators, and Service Providers we've partnered with, along with any of our affiliates. This sharing is for the purposes outlined in this Privacy Policy.

Handling of Information: This includes our group company, employees, agents, business partners (like Banks/NBFCs), Credit Information Companies (CICs), Payment Aggregators, and Service Providers we've partnered with, along with any of our affiliates. This sharing is for the purposes outlined in this Privacy Policy.

Successor-in-interest: In case of a sale of any part of Paisalello's business or a merger, reorganization, or consolidation with another entity, your personally identifiable information may be shared or transferred to the successor-in-interest.

Limiting Collection and Use: We restrict the collection and use of your personal information and may make it anonymous or aggregate it to be non-personally identifiable. Access to your account information is strictly controlled and used only for specific internal procedures and the purposes outlined in this Privacy Policy.

Security: Paisalello uses reasonable security measures, including firewalls, secure socket layers, and other physical and electronic safeguards, to protect the confidentiality of your Personal Information. However, it's important to recognize and agree that achieving "perfect security" on the Internet is not possible.

4. Data Retention And Deletion

At Paisalello, we ensure the safeguarding of your data from unauthorized access, misuse, and disclosure by implementing appropriate security measures tailored to the type of data and its processing. We retain information about you to ensure a smooth experience, provide support, manage your account, and detect, prevent, and investigate fraudulent or illegal activities during the provision of our services. The duration of data retention is determined by legal requirements and the necessity to offer our services effectively. Additionally, we may keep and use essential personal information, such as your name, contact number, transaction details, and address details, to fulfill legal obligations, settle disputes, send notifications regarding outstanding dues, and enforce agreements, always in compliance with applicable laws.

5. Updates To Privacy Policy

Our Privacy Policy may undergo changes periodically, and Paisalello will notify you through the email address associated with your Account or make it accessible on our Website.

6.Integration Of Privacy Policy With Terms Of Use

This Privacy Policy is an integral part of the Terms of Use (Terms) and other specific terms applicable to this Website, Services, and Account.

7.Contacting us

Paisalello strives to maintain accurate information about you. If you want to review, modify, or update the details you provided, please reach out to us using the contact information below. For changes or deletions of Personal Information entered during your visit to our platform, or if you have any privacy-related questions, you can email us at info@paisalello.com.