Privacy Policy
Loans Telangana understands that our website visitors, customers, and others who contact us in the process of getting assistance for borrowings are concerned about the information they may be providing to us.
We are Loans Telangana, and this Privacy Policy describes how we may collect, use, process, store, and share personal information about you when you visit our website (the Site), submit an enquiry, contact us via telephone, email, or WhatsApp, or use the loan assistance services that we provide.
Loans Telangana is a loan assistance and facilitation platform and thus is not a bank, NBFC, or direct lender. We take a look at the loans that can be availed from banks and Non-Banking Financial Companies for eligible customers.
By accessing our website or submitting information voluntarily to Loans Telangana, you accept the terms of this Privacy Policy.
Information We May Collect
We collect the information that depends on how you interact with Loans Telangana and which loan assistance you take from us.
Personal Information
When you make an enquiry, call us, email, or WhatsApp one of our representatives, we may collect:
- Full name
- Mobile number
- Email address
- City or location
- Age or date of birth (where applicable)
- Employment or occupation details
- Business or professional information
- Information given during the enquiry, on a voluntary basis
We would ask customers to provide only the information necessary for their loan enquiry or application.
Loan Requirement Information
We will collect information related to your financial need, depending on the type of loan you are researching:
- Type of loan required
- Approximate loan amount required
- Purpose of the loan
- Employment or business profile
- Monthly or annual income
- Existing loan or EMI obligations
- Property-related information
- Education-related information
- Vehicle-related information
- Other information related to the chosen category of loan
This information can vary based on the type of loan you are exploring — a Home Loan, Business Loan, Personal Loan, Mortgage Loan, Education Loan, or Vehicle Loan.
Documents and Financial Information
While corresponding with the lender, you may need to send over more details or supporting documents for loan assistance based on the loan product and lender you choose.
These may include, where applicable:
- Identity and KYC documents
- Address proof
- PAN details
- Income documents
- Salary slips
- Income Tax Returns
- Bank statements
- Business documents
- GST-related documents
- Property documents
- Academic or admission documents
- Co-applicant information
- Vehicle-related documents
- Miscellaneous documents for the respective loan process
Customers only need to provide documents if absolutely necessary for their enquiry or loan application.
The last documentation requirements are finalised by the corresponding financial institution or NBFC.
Information Collected Through Our Website
If you visit our website, some technical information is automatically logged by the site itself, hosting environment, or related technical systems according to your page navigation.
This may include information such as:
- IP address
- Browser type
- Device type
- Operating system
- Date and time of access to the website
- Pages visited
- Referring website or page
- General technical and security information
We may use this data for the purpose of enabling website functionality, security, troubleshooting, and optimizing the performance of the site.
How We Use Your Information
Why we collect this information: Loans Telangana may use any personal data for purposes related to your loan inquiry and also our service of providing you with assistance in the process of taking a loan.
These purposes may include:
- Understanding your loan requirement
- Responding to your enquiry
- Communicating with you
- Understanding your basic applicant profile
- Explaining general eligibility requirements
- Helping you understand documentation requirements
- Exploring relevant loan options
- Helping with loan application
- Where relevant, communicating with banks or NBFCs that are participating
- Providing updates regarding your enquiry
- Answering questions or support requests
- Maintaining appropriate business records
- This includes building a better website and hiring customer service.
- Defending our website as well as systems from being misused
- Meeting all kinds of legal or regulatory requirements
We will only use personal information in order to provide the services requested by us or otherwise permitted under applicable law.
Consent and Your Information
In relation to the processing of personal information for which your consent is required, Loans Telangana will endeavor to obtain such consent in a clear and understandable manner.
The information may be processed if you voluntarily fill in an enquiry form, contact us by telephone or e-mail, or provide details relating to a loan request.
You may withdraw your consent (when applicable) by writing to Loans Telangana with the contact details below in this Privacy Policy.
If you choose to withdraw your consent, but we need any of this information in order to provide specific services through our channels to someone else on the basis of having undertaken your request or for other purposes (such as with regard to a contract), then it may prevent us from being able either to respond in full or at all.
The existing Indian data protection regime deals with aspects like notice, consent, rights to withdraw consent, and rights related to personal data.
Communication Through WhatsApp
While customers might resort to WhatsApp as one of the available channels anywhere, anytime.
If you contact us directly via WhatsApp (or give your mobile number for a loan enquiry), then we can also communicate with you through WhatsApp regarding the following:
- Your loan enquiry
- Basic eligibility information
- Required documents
- Application-related information
- Follow-up regarding your enquiry
- Relevant loan options
- Details to continue the process
Please refrain from sending unnecessary confidential or sensitive information via WhatsApp, unless necessary for your loan enquiry.
WhatsApp is a third-party service and has its own Terms of Service, privacy policy, and data processing practices. The policies also apply to your use of WhatsApp.
Sharing Information With Banks and NBFCs
Loans Telangana guides customers in finding various loan options provided by partner banks and NBFCs.
You will be informed when and what information pertaining to your request or loan application is being shared with which bank, NBFC, or other financial institution participating in this process.
This may involve the information necessary to:
- Understand preliminary eligibility
- Explore relevant loan products
- Evaluate the financing requirement
- Process a loan application
- Verify applicable documentation
Information should be disclosed only where the relevance to the customer’s inquiry or application can reasonably be established, and in accordance with applicable requirements.
If you furnish information to a bank or NBFC, such financial institution may process the information based on its privacy policy and in accordance with its lending practices, legal requirements, obligations and internal policies.
Loans Telangana does not have access to or control over banks’ and NBFCs’ independent data-processing practices or lending.
Customers should check the privacy notice of the (relevant) financial institution to determine their own rights and consider reviewing loan documents, where applicable.
Sharing Information With Service Providers
Some third-party service providers may process a minimal amount of information where necessary in support of our website or communications systems.
They might consist of companies engaged in:
- Website hosting
- Domain and website infrastructure
- Email services
- WhatsApp or communication services
- Website maintenance
- Technical support
- Security and backup services
Service provider information shall only be shared with the service providers reasonably required to furnish such services.
We Do Not Decide Loan Approval
Loans Telangana does not guarantee loan approval. Final approval is determined solely by the respective bank or NBFC after its independent assessment.
Loans Telangana does not determine:
- Whether it will approve a loan or not
- The sanctioned loan amount
- Interest rate
- EMI
- Repayment tenure
- Processing charges
- Collateral requirements
- Down payment requirements
- Other lender terms
These decisions are made solely by the respective bank or NBFC on the basis of eligibility criteria, credit assessment, necessary documentation, and their internal lending policies.
Data Security
Loans Telangana will take all reasonable administrative, technical and organisational measures to protect personal information from unauthorised access, disclosure, misuse, alteration or loss.
However, no website, internet transmission, electronic communication channel or digital storage system can be guaranteed to be completely secure.
Thus, consumers should exercise caution if sharing financial or identification information electronically.
Never share passwords, PINs, OTPs, or other authentication credentials with Loans Telangana.
We may also take appropriate action in response to a personal-data breach (if any) and notifications as required by applicable law. Existing DPDP Framework: Similar to the current DPDP framework, India has also introduced requirements related to reasonable security safeguards and breach management.
Data Retention
We retain personal information for as long as reasonably necessary for the purpose for which it was collected or as required by applicable business, legal, or regulatory requirements.
Retention periods may also vary due to:
- Nature of the loan enquiry
- Status of the application
- Type of information provided
- Customer communication history
- Legal or regulatory requirements
- Legitimate record-keeping requirements
Where information is no longer needed for the purposes for which it has been retained, we will delete and/or anonymise it in accordance with any applicable requirements.
Your Privacy Rights
In certain jurisdictions and depending on the relevant commencement provisions, individuals may have rights regarding their data.
These may include rights to:
- Learn about the processing of your personal data
- Request correction of inaccurate information
- Request completion or verification of facts
- Request to delete personal data wherever applicable
- Have your personal data processed based on consent, and to withdraw that consent at any time
- Raise a grievance regarding personal-data processing
- The right to exercise other rights related to the applicable data-protection law
Some requests may be regulated by applicable legal or regulatory requirements.
For all requests related to Privacy, write to Loans Telangana at the Contact Us details provided below.
Accuracy of Information
Customers are required to provide accurate, complete and up-to-date information while submitting a loan enquiry.
The information provided to us may be inaccurate or not complete, which can impact our support and the assessment by the relevant lender.
You may be requested to update correct information if any part of the information is already provided by Loans Telangana and subsequently changed.
Information About Other Individuals
Please see again the following information which a customer may fill out in a loan application with respect to another person:
- Spouse
- Parent
- Guardian
- Co-applicant
- Guarantor
- Business partner
- Property owner
If you give someone else’s personal information, you must ensure that you have the proper authority or permission to do so where required.
Only if relevant to a given loan enquiry or application must information that relates to any other person be disclosed.
Children's Privacy
Loans Telangana general loan assistance services are mainly provided for adults.
However, certain Education Loan enquiries may involve students who are below 18 years of age.
When the Education Loan enquiry has a requirement of personal information in relation to a minor, the same shall be obtained with valid permission and authorization from a parent, guardian, or authorized person as applicable and made in compliance with lawful procedures.
We do not intentionally solicit children under the age of 13 for personal information that is not needed.
Cookies
A cookie is a small file that can be stored on the visitor’s device or browser.
Based on the type of website configuration, cookies can help with:
- Basic website functionality
- Website security
- Remembering certain preferences
- Technical performance
- Maintaining website sessions
Visitors can control cookies through their browser settings.
Some of the functionality on our site is based upon cookies; disabling such cookies will result in some elements of the website being unavailable for use.
This Privacy Policy will be amended when any new advertising, analytics or other tracking technologies are added to the website in the future.
Third-Party Websites
Our site may include links to websites operated by banks, NBFCs or other third parties.
These third-party links may have their own separate and independent privacy policies, and therefore Loans Telangana has no control over them.
Third-party websites are governed by their own privacy policies, terms and conditions, security practices, and data-processing procedures.
Loans Telangana is not responsible for the content, privacy practices, or security of any other website owned by a third party.
Prior to sharing any personal information, customers are asked to read how the third party uses that data.
Legal and Regulatory Disclosure
Loans Telangana may disclose information where we are required to do so by law or in response to a request from an appropriate governmental or regulatory authority.
Where it is reasonably necessary to do so, information may be disclosed in the following circumstances:
- Protect our legal rights
- Detect or prevent fraud
- Investigate misuse
- Maintain website or system security
- Protect customers or other individuals
- Comply with applicable legal obligations
Customer Communications
If you make an enquiry or contact Loans Telangana, we may use the contact details you give us about yourself to respond.
Communication may occur through:
- Phone
- Website enquiry responses
Communications may be related to your query, documentation requirements, loan options available, application information or follow up the contact attempt made in response to your enquiry.
Where allowed and appropriate, you can ask us to cease sending certain communications by using the contact information found above.
Grievance and Privacy Requests
If you have any questions about your personal information or this Privacy Policy, you may contact Loans Telangana using the details provided below.
Customers may contact us regarding:
- Correction of personal information
- Updating personal information
- Privacy-related concerns
- Withdrawal of consent, where applicable
- Requests concerning personal information
Complaints relating to handling of personal data
We intend to evaluate legitimate privacy requests based on the relevant requirements.
Changes to This Privacy Policy
Loans Telangana may, from time to time, change this Privacy Policy.
Changes needed due to:
- Changes to our website
- Changes in services
- New communication methods
- Changes in data-processing practices
- Legal or regulatory requirements
If there are material changes made to the Privacy Policy, then we may post the new version here on this page with a new Last Updated date.
Therefore, it is advised that visitors check this page from time to time.
Contact Us Regarding Privacy
Loans Telangana
Website: www.loanstelangana.com
Email: telanganaloans365@gmail.com
Phone: +91 9908746688
Address: