Privacy Policy

Our Commitment to Your Privacy

UdaanLoan believes that everyone who shares information with us deserves a clear explanation of how that information is handled. This Privacy Policy explains what the mobile application ("App") collects, why each type of data is needed, how we protect it, and what control you keep over your information.

By continuing to use the App, you confirm that you have read and accepted this Policy. If any part of it is not acceptable to you, please uninstall the App. Reading this Policy together with our Terms of Service gives the complete view of how your UdaanLoan account works.

Information We Collect

A responsible credit service requires specific categories of data. The categories below explain what we collect and the purpose behind each collection.

2.1 Account Registration Data

When you create a UdaanLoan account, we collect your full legal name, date of birth, mobile number, email address, and details from your government-issued identity document. Each item is encrypted before leaving your device and stored only at: server.UdaanLoan.co

2.2 Device Attributes

Your device may provide technical details, including model identifier, operating system version, IP address, and Google Advertising ID, which we use only for platform stability and security anomaly detection. These details are not used for credit decisions or advertising targeting.

2.3 Installed App Metadata

To help reduce fraudulent applications, the App may read package names and installation status of other apps on your device. It does not access messages, passwords, transactions, browsing activity, or data stored inside those apps. Fraud prevention is the only purpose.

2.4 Camera Access

Camera permission is required when you choose to photograph identity documents for verification. Images are encrypted at capture and sent to server.UdaanLoan.co. After verification is complete, the original images are permanently destroyed. The camera is used only when you start an upload.

2.5 Approximate Location

If you grant permission, approximate location helps confirm that the UdaanLoan service is available in your region. We do not log precise GPS coordinates, and location data is kept separate from credit scoring and advertising systems.

2.6 Anonymised Usage Data

We use aggregated, de-identified statistics about App use, such as navigation paths, session length, and error events, to improve engineering and design. No individual user can be reconstructed from this data.

How We Use Your Data

Every processing activity at UdaanLoan is tied to a specific purpose. We use your information to verify identity and complete registration, manage the revolving credit facility and related transactions, prevent fraud and security abuse, respond to customer support requests, improve App performance through anonymised usage patterns, and comply with applicable Indian financial regulation.

Optional permissions can be withdrawn at any time through your device settings. Withdrawing permission may limit features that depend on it, but your core account and credit facility will continue to operate. We do not access information from permissions you have not granted.

Data Sharing

UdaanLoan does not sell, rent, or transfer your personal data to third parties for commercial purposes. Data is shared only with identity verification specialists, cloud infrastructure providers, or regulatory authorities and law enforcement when disclosure is legally required.

Each partner works under a formal data processing agreement and may use your information only for the services provided to UdaanLoan.

Security Measures

Security is built into the UdaanLoan service. Our controls include TLS/HTTPS encryption for transmissions, role-based access controls for personal records, scheduled independent penetration testing and security audits, plus around-the-clock automated anomaly detection with escalation protocols.

If you notice anything suspicious about your account, contact us immediately at support@udaanloan.com. We treat every security report as urgent and respond accordingly.

Retention Periods

We keep personal data only for as long as needed to complete the purpose for which it was collected, or for the period required by law, whichever is longer.

After account closure and the end of any mandatory retention period, data is either permanently deleted from our systems or made permanently unidentifiable through technical anonymisation. The applicable period depends on data type and governing regulation.

Minimum Age

UdaanLoan accounts are available only to adults aged 18 and over. Identity verification includes checks designed to prevent underage applicants from opening accounts.

If we confirm that an account belongs to someone under 18, we will close it without delay, reverse pending transactions where possible, and erase related data. Please report any such case to support@udaanloan.com and we will investigate promptly.

Your Data Rights

You have control over the personal data UdaanLoan holds about you. You may request access to your data, correction of inaccurate or outdated information, deletion subject to legal retention requirements, or withdrawal of consent for processing.

Send your request in writing to support@udaanloan.com. We will verify your identity and respond within a reasonable period.

Amendments

This Policy is reviewed periodically and updated when our services or regulatory environment change. Material changes will be communicated through the App or by email before they take effect.

Routine corrections that do not materially affect your rights may take effect immediately. The effective date shown on this page identifies the current version, and continued use of the App after an update means you accept the revised Policy.

Privacy Enquiries

If you have questions about this Policy, want to exercise a data right, or need to raise a concern about how your information is handled, our team is ready to assist.