---

Sabka Loan is committed to protecting its customers' privacy and security. Through this privacy policy we explain how we collect and share information. We also identify the source from where we gather non-public personal information related to you and explain the measures we take to keep the information secure. We also indicate which information about you we will be sharing with our affiliates and with non-affiliated third parties.

This Privacy Policy explains our information collection and sharing practices. It identifies the sources from which we collect non-public personal information about you, details the measures we take to secure that information, and describes the information about you that we may share with our affiliates and with non-affiliated third parties. What is given below will give you a fair idea about how we treat your personal data.

Information we collect from you

The information we collect from you are your name, postal and email address, date of birth, financial details, and any other information considered necessary for availing of the offered services through mobile application or the website.

Purpose of collecting information

The purpose of collecting the above information is to identify you and assess your application, provide you with all necessary information, protect you against fraud with regard to banking and finance and for periodically give information about Sabka Loan's products and services

From where do we collect information about you?

We collect data directly from your online application either on the website or mobile application and usage of the mobile application. We also take data from the information you provide on your interaction with our customer service department.

We may monitor and record your telephone conversation with us and our customer services department.

We may collect information about your transactions, including loan balances. Collect from credit reference agencies and customer service providers regarding credit worthiness and credit history; information that is collected when you use the website or mobile application. You may have provided the information to identify yourself and validate your use of the Website or mobile application for fraud prevention purposes.

Information about your computer including your IP address, operating system and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form. Automatic information obtained by using 'cookies' when your browser accesses our Website or Mobile Application and when you log-in any of them.

Use and disclosure

We always try to ensure that the personal data that you have given us is only used for the purpose it has been taken

Usage

There is very restricted use of your personal data amongst

Those involved in maintaining, reviewing and developing our business systems, procedures and infrastructure our partners in financial transactions, including financial institutions, merchants and payment organizations, credit and fraud reporting agencies, debt collection agencies, and organizations involved in our normal business practices, your nominated representatives, government or regulatory bodies, if required by law.

Where we store and process your personal data

All the information that we gather about you is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. There are certain areas of the site and mobile application for which you need a password to access. You are responsible for keeping this password confidential and not share it with anyone. While we make all efforts to ensure the security of your data, we cannot guarantee its security as the transmission of data over the internet is not completely secure. All transmissions are at your own risk. On our part, we will use strict procedures and security features to prevent unauthorized access.

Our security system is at par with industry standards and we are constantly trying to evolve and upgrade our system.

Cookies

Sabka Loan platform (mobile application and website) uses cookies for security and to personalize your web and app browsing experience. We may use cookies for some situations, such as:

to allocate an identification number to your Internet browser or device (you cannot be identified from this number); to determine if you have previously visited the website or application.

To track and report on website / mobile application and online campaign performance.

To identify other pages or third party websites you have accessed; and for fraud detection and security purposes.

It is possible for you to configure your browser so that it does not receive cookies. However this means you will be unable to use secure services that require cookies to participate. Some of those services include (but are not limited to) our online application and some member features. Technically the same is applicable for mobile application.

REFUND POLICY :

The admin fee collected in advance will not be refunded by the company in any scenario which includes the applicants dening for disbursal acceptance once the approval process is complete.

The refund policy is subject to change by Sabka Loan (Mahashakti Financiers Limited). The changes will apply after due legal diligence. Suitable announcements will be made on the website and legally-compliant notice period will be given before any changes come into force.