Information We Collect :

For E-NACH registration and loan repayment services, we may collect the following information:

• Full name
• Mobile number
• Email ID
• PAN / KYC details
• Loan account number
• Bank account holder name
• Bank account number
• IFSC code
• Account type
• Mandate amount / EMI amount
• Debit frequency (monthly / quarterly)
• IP address and device details
• OTP verification details
• Digital consent / acceptance logs

NPCI’s privacy framework also covers collection and secure handling of bank and mandate information for payment processing

Purpose of Data Collection:

The information collected is used for:

• Creating E-NACH mandates
• EMI auto-debit processing
• Loan repayment collection
• Customer verification and fraud prevention
• Regulatory compliance with RBI / NPCI
• Customer communication and transaction alerts
• Internal audit and record maintenance

Consent :

By submitting your details and authorizing the E-NACH request on our website, you expressly consent to:

• processing of your personal and banking information.
• sharing data with sponsor bank / payment gateway / NPCI.
• creation and execution of the mandate.

Consent records are securely maintained for compliance purposes.

Data Sharing :

Your information may be shared only with:

• NPCI
• sponsor / partner banks
• payment gateway service providers
• technology vendors / LSPs
• legal and regulatory authorities when required by law

Data Security :

We maintain appropriate security measures including:

• SSL encryption
• secure servers
• access control
• role-based authorization
• audit logs
• firewall and anti-malware protection

Data Retention :

Customer data and mandate records are retained for the period required under:

• RBI regulations
• NBFC compliance requirements
• accounting and audit laws
• legal dispute resolution

Customer Rights :

Customers may request:

• correction of personal data
• withdrawal of mandate
• update of bank details
• grievance resolution
• deletion where legally permissible

Cookies & Website Tracking :

Our website may use cookies and analytics tools to improve user experience and monitor website performance.

Grievance Officer :

For privacy-related concerns, customers may contact:

Ph- 9031618881

Policy Updates :

We reserve the right to update this policy from time to time. The latest version will always be available on our website.