1. Data we collect
- Identity: name, date of birth, PAN, Aadhaar reference (masked), address.
- Contact: phone number, email, WhatsApp opt-in.
- Financial: income, employment, bank statements, ITR, existing EMIs, CIBIL score.
- Property (where applicable): title documents, valuation reports, encumbrance certificate.
- Technical: IP address, approximate city / country derived from it, device and browser type, pages visited and the order you visited them, and the page that referred you.
- Conversations: messages you send through our website chat window and through WhatsApp.
2. Why we collect it
- To assess your eligibility across our 48+ empanelled lenders.
- To submit and follow up on your loan application with the chosen lender(s).
- To keep you informed about the status of your application via phone, WhatsApp or email.
3. Who we share it with
- Only the specific banks / NBFCs you have consented to apply with.
- Regulatory authorities, if lawfully required.
- We do not sell, rent or trade personal data with third parties for marketing.
4. Storage & security
- Data in transit is protected via 256-bit TLS.
- Data at rest is stored on access-controlled infrastructure with role-based permissions.
- Physical documents are handled by named advisors and are not retained beyond need.
4a. Website analytics, cookies and visitor logging
- We record page visits together with your IP address, the approximate city and country it indicates, and your device type. We use this to understand which pages are useful and to serve visitors in our operating regions.
- We use Google Analytics, which sets cookies in your browser and reports aggregated usage to us. You can block these cookies in your browser settings; the website will still work.
- Messages you send in the website chat window are stored so our advisors can continue the conversation. An automated assistant may respond when no advisor is available.
- When you submit an enquiry, your name, phone number and enquiry details are also passed to our WhatsApp messaging provider so an advisor can contact you on WhatsApp.
- We do not use this data for advertising profiles and we do not sell it.
5. Retention
Application data is retained for the period required by lenders and applicable law (typically 8 years from the date of last transaction). Non-progressed enquiries are purged after 24 months of inactivity.
Website visitor logs (IP address, approximate location, device, page-visit history) and website chat transcripts are retained for as long as they remain useful for security, service and analytics purposes, and are reviewed periodically. They are not deleted on a fixed automatic schedule at present. You can ask us to delete this data about you at any time using the contact details below, and we will do so unless a legal or lender obligation requires us to keep it.
6. Your rights
- Request a copy of the personal data we hold about you.
- Correct any inaccuracy in that data.
- Request deletion where no legal / lender obligation requires retention.
- Withdraw WhatsApp / email marketing consent at any time.
To exercise any right above, write to connect@moneymaxfingrow.com.