Privacy Policy

1. Introduction

Welcome to [Platform Name] (“we,” “us,” or “our”). We are committed to protecting your privacy and ensuring that your personal information is handled securely and responsibly. This Privacy Policy explains how we collect, use, share, and protect the information of users (“you” or “your”) who visit our online loan aggregator platform.

By using our website, instaemi.com mobile application, and related services (collectively, the “Platform”), you consent to the terms of this Privacy Policy.

2. Information We Collect

a. Personal Information

We may collect the following types of personal information when you use our Platform:

• Name
• Email address
• Phone number
• Date of birth
• Address
• Government-issued identification (such as PAN, Aadhaar, SSN, or equivalent)
• Employment details
• Income details
• Bank account information
• Credit score and financial history (with your explicit consent)

b. Non-Personal Information

We may also collect non-personal information, such as:

• Device information (IP address, browser type, operating system)
• Website usage data (pages visited, time spent on the Platform, clicks, interactions)
• Cookies and tracking technologies

3. How We Use Your Information

We use your information to:

• Match you with suitable loan products from our lending partners
• Verify your identity and financial details
• Improve our Platform’s functionality and user experience
• Provide customer support and resolve disputes
• Send transactional emails and service notifications
• Conduct internal analytics and research
• Ensure compliance with legal and regulatory obligations

4. Information Sharing and Disclosure

We may share your personal information with:

a. Lending Partners

We share relevant information with banks, NBFCs, and other financial institutions to facilitate your loan application.

b. Service Providers

We engage third-party service providers to assist in KYC verification, credit scoring, and payment processing.

c. Regulatory and Legal Authorities

We may disclose information if required by law, regulatory obligations, or in response to valid legal processes.

d. Business Transfers

In case of a merger, acquisition, or asset sale, your information may be transferred to the new entity.

5. Data Security

We implement strict security measures, including:

• Encryption of sensitive data
• Secure socket layer (SSL) technology for transactions
• Restricted access to personal data
• Regular security audits and vulnerability assessments

6. Cookies and Tracking Technologies

Our Platform uses cookies and similar tracking technologies to enhance user experience. You can manage cookie preferences via your browser settings.

7. Data Retention

We retain your data as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.

8. Your Rights

Depending on your jurisdiction, you may have rights including:

• Accessing your personal data
• Requesting corrections or updates
• Deleting your personal information
• Objecting to data processing
• Withdrawing consent for certain data uses

To exercise these rights, contact us at [Support Email].

9. Third-Party Links

Our Platform may contain links to third-party websites. We are not responsible for their privacy practices, and we encourage you to review their policies before providing any personal data.

10. Changes to this Privacy Policy

We may update this policy from time to time. Any changes will be posted on this page with an updated effective date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

InstaEMI.com
404, Magna Park View Towers, Telecom Nagar, Gachibowli, Hyderabad -32, TG
Support@instaemi.com
9032921818