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Privacy Policy

GPS Pariwar Services Pvt. Ltd. ("we", "our", or "us") values your privacy and is committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, share, and protect your data when you use our digital platforms.

Information We Collect

We may collect the following types of information:

  • Personal Information: Your name, contact details, PAN, Aadhaar (if voluntarily provided), income, bank details, and other information necessary to process loan applications.
  • Credit Information: Your credit report and score for loan eligibility assessment, accessed with your consent via TransUnion CIBIL or other bureaus.
  • Device and Usage Data: IP address, device ID, browser type, and usage behaviour on our website or app.

Note: We do not access your phone's contacts, SMS, call logs, or telephony data.

Principles for Processing Personal Data

We collect and process your data based on these principles:

  • Lawfulness, fairness, and transparency.
  • Purpose limitation for specific, lawful loan-related and compliance activities.
  • Data minimization and accuracy.
  • Integrity and confidentiality of information using appropriate security controls.

How We Process Personal Data

Your data is collected and processed through:

  • Our website and secure online forms.
  • Our mobile application.
  • Third-party integrations such as credit bureaus and KYC providers.
  • Document uploads via digital and offline channels.

All channels are secured with encryption and access controls.

Legal Basis for Processing

We process your personal data based on:

  • Your consent, for example for credit report access.
  • Contractual necessity, for example to process your loan application.
  • Legal obligations, for example KYC norms and regulatory reporting.
  • Legitimate interest, for example fraud prevention and product improvement.

Accuracy and Completeness of Data

We rely on the data provided by you. You are responsible for ensuring it is accurate and complete. You can request corrections by contacting our support or grievance redressal team.

Your Rights

You have the right to:

  • Access your data.
  • Request corrections to inaccurate or incomplete data.
  • Withdraw consent anytime through our website's "Withdraw Consent" tab after logging in.
  • Opt out of promotional messages.
  • Request deletion or portability of your data.

Your continued use of our services after updates implies consent to the revised policy. You may withdraw consent if changes are unacceptable.

Retention of Personal Data

Credit Bureau data, such as CIBIL reports, is retained for up to 6 months or until no longer needed, whichever is earlier. Other personal data is retained only as long as necessary for legal, regulatory, or operational reasons. Data is securely deleted or anonymized after retention limits are met.

Information Sharing

We may share your data only with:

  • RBI-registered banks and NBFCs for loan processing.
  • Third-party service providers for credit checks, KYC, and document verification under strict confidentiality.
  • Regulatory or legal authorities where required by applicable law.

We do not sell your personal data. All sharing complies with applicable laws and uses secure channels.

Lending Partners

We work with multiple RBI-registered lending institutions. You can find the latest list of our partners through our official channels.

Cookies and Tracking

We use cookies and similar technologies for:

  • Session management.
  • Analytics.
  • Improving user experience.

You may disable cookies through your browser settings, though some features may be affected.

Application of Data Privacy Laws

This policy complies with:

  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (India).
  • Digital Personal Data Protection Act, 2023 (India).

All disputes are subject to the jurisdiction of courts in Mumbai, India.

Children's Privacy

Our services are not meant for users under 18. If such data is collected unintentionally, it will be deleted promptly upon discovery.

Updates to This Privacy Policy

This policy may be updated periodically.