At our Website, we use customer information to personalize and enhance your experience continuously. Here’s the type of information we collect:
- Information Provided by You: Any information or documents you input or upload onto our Website or provide to us through other means, aligned with the product or service you’ve selected. This includes personal details such as first name, last name, email address, date of birth, and city of residence. While providing certain information is optional, opting out may limit your access to many of our services and features. It’s important to note that we do not gather or retain biometric information.
- Access to Device Features: We may request one-time access to your camera, microphone, location, and mobile device, storing this information solely for the purpose of onboarding or fulfilling Know Your Customer (KYC) requirements, with your explicit consent. This process adheres to the Digital Lending guidelines issued by the Reserve Bank of India (RBI), subject to any amendments made over time.
- Information from External Sources: Additionally, we may receive information about you from other sources and integrate it with our existing account information.
Cookies
Whenever you engage with us, we collect and store specific types of information. For instance, we utilize “cookies” to gather certain data when your web browser interacts with the Website or with advertisements and other content presented by or on behalf of the Website on external sites. A cookie is a small piece of data stored on the user’s device, containing information about the user. We employ both session ID cookies and persistent cookies. Session ID cookies terminate and are erased once you close your browser or log out, while persistent cookies are small text files stored on your computer’s hard drive for an extended period.
Session ID cookies may be used by LoanLink.co.in to track user preferences during website visits, enhancing user experience and optimizing load times while reducing server processing. Most web browsers provide options to prevent the acceptance of new cookies, receive notifications upon receiving a new cookie, and disable cookies altogether. You can also disable or delete similar data utilized by browser add-ons, such as Flash cookies, by adjusting the add-on’s settings or visiting the manufacturer’s website.
However, since cookies enable you to utilize essential features of the Website, we recommend keeping them enabled. Blocking or rejecting our cookies may hinder your ability to access Website products and services that require signing in.
How We Utilize Your Information
Loanlink.co.in collects your information during account registration, product or service usage, and website visits. Upon registering with Loanlink.co.in, you’re prompted to provide details such as first name, last name, state and city of residence, email address, date of birth, and gender. Once registered and signed in, you’re no longer anonymous to us. Additionally, contact number is required during registration, and you may receive SMS notifications regarding our services on your wireless device. By registering, you authorize Loanlink.co.in (including its business partners and affiliates) to send texts and email alerts, including login details and promotional messages, even if you’re registered under DND or DNC or NCPR services. This authorization remains valid until account deactivation or consent withdrawal. Loanlink.co.in Website may also access your mobile device, including the camera, to facilitate services and ease website access, in compliance with applicable laws.
Purposes of Information Collection:
- Facilitate and deliver services, process payments, and communicate product, service, and promotional offers.
- Address queries, requests, and grievances, and administer agreements with business partners.
- Provide information on special promotions, offers, and new features or products/services, including third-party offers.
- Conduct internal analysis, offer location-based services, and improve platform functionality while preventing fraud or abuse.
- Combine data from you and third parties, send notices, communications, and recommend services, update records, and maintain accounts.
- Utilize contact details for general notices, feedback requests, and updates on special deals and offers.
- Obtain file storage permissions on Android/iOS and the website for processing customer applications by partners.
- Access your mobile device, including the camera, for service facilitation, ease of access, and logging into the website, as consented and in compliance with applicable laws.
Certain features may require furnishing personally identifiable information under your account section on our website.
What rights you have over your data
You can request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.