Privacy Policy

1. Information We Collect

AryuFinserv collects personal and financial data necessary to facilitate credit evaluation and loan pre-qualification through authorized banking partners and NBFCs. This includes:

• Full legal name, date of birth, and contact details (mobile number, email address).
• Permanent Account Number (PAN), Aadhaar details (masked/KYC verification), and address proof.
• Employment status, monthly income, salary slips, and bank statements.
• Credit history score & bureau data pulled strictly with your explicit OTP consent.

2. How We Use Your Data

We use your information exclusively for the following purposes:

• Connecting your loan/card inquiry with authorized partner banks (e.g., HDFC, ICICI, SBI, Bajaj Finserv).
• Verifying your identity, employment status, and loan eligibility via secure API integrations.
• Sending real-time SMS, WhatsApp, and email updates regarding your application status.
• Ensuring compliance with RBI Digital Lending Guidelines and Anti-Money Laundering (AML) standards.

3. Data Sharing & Security

We maintain strict data privacy controls. Your data is encrypted using 256-bit SSL technology both in transit and at rest.

We do NOT sell, rent, or trade your personal information to third-party telemarketers. Data is shared only with selected partner financial institutions when you explicitly request a loan or credit card application.

4. Cookies & Analytics

We utilize cookies and Google Analytics tags to improve user experience, monitor site performance, and protect against fraudulent activities. You may disable cookies in your browser settings at any time.

5. Data Retention & User Rights

You have the right to request access, correction, or deletion of your personal records from our system after loan processing is complete, subject to mandatory statutory retention requirements under Indian financial regulations.