Privacy & Policy

Privacy & Policy

Effective Date: 1-12-2024

By applying for or using any Credit Product or related services through our Mobile Application, Desktop Application, or Website, you consent to Shastika Software Solutions Private Limited and its authorized affiliates collecting, maintaining, using, processing, and disclosing your personal and business information, including Sensitive Personal Data, as outlined in this Privacy Policy.

1. Consent for Data Collection

1.1 Express Consent

By using our services, you authorize Shastika Software Solutions Private Limited to collect and share the information necessary to facilitate your access to Credit Products and services with various Lenders.

1.2 Information Collection

You acknowledge that Shastika Software Solutions Private Limited will collect information specified in this policy to provide you with Credit Products and related services.

1.3 Lender Terms

If you apply for Credit Products from our Lenders, you may also be subject to their privacy policies and terms of service.

2. Information Collection

2.1 Types of Information Collected:

• Personal and Business Information: Your name, contact details, PAN, business information, and additional documents as needed.
• SMS and Device Information: We may collect SMS data to assess your financial profile.
• Technical Information: Non-personal data about your device and usage to improve our services.
• Third-Party Data: We may obtain credit information from credit bureaus and other sources as authorized by you.

2.2 Transparency

We will clearly specify the information we require from you. Not providing certain information may limit the services we can offer.

2.3 No Biometric Data

We do not collect biometric data without your consent.

3. Purpose and Use of Information

Your information will be used for:

• Identity verification and credit assessments.
• Facilitating communication with Lenders.
• Providing tailored services and enhancing user experience.
• Compliance with legal obligations.

4. Disclosure to Third Parties

4.1 Information Sharing

We may share your data with trusted third parties, including Lenders and service providers, on a need-to-know basis for purposes such as loan underwriting and KYC processes.

4.2 Confidentiality Measures

We ensure that any shared information is protected under confidentiality agreements.

4.3 Legal Compliance

We may disclose your information as required by law or regulatory authorities.

5. Data Storage and Retention

5.1 Data Security

We store your information securely within India, with appropriate safeguards in place.

5.2 Retention Period

We retain your information for as long as you are a customer and may keep it longer for legal compliance or dispute resolution.

6. Third-Party Links

Shastika Software Solutions Private Limited may include links to third-party services. When you use these, their privacy policies apply. We recommend reviewing them before sharing any information.

7. User Rights

7.1 Data Modification

You can request updates to your information by contacting us.

7.2 Withdrawal of Consent

You may withdraw your consent for data collection at any time, though this may impact your ability to use certain services.

8. Security Measures

We implement reasonable security measures to protect your information but cannot guarantee complete security against unauthorized access or disclosure.

Summary

By using Shastika Software Solutions Private Limited, you consent to our collection and use of your information as described. We are committed to safeguarding your privacy and ensuring transparency in our practices.

Contact Information