Loancut ("we", "our", or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access our website, digital platforms, or engage with our loan settlement and financial consultancy services.

By using our website or services, you agree to the terms of this Privacy Policy.

This Policy is in accordance with the Information Technology Act, 2000 and applicable rules, along with relevant RBI-aligned practices for financial services.

This Policy applies to:

• Information collected through our website and digital platforms
• Communications via email, phone, or online forms

This Policy does not override confidentiality obligations under formal client engagements, which are governed separately.

We collect only the information necessary to deliver our services effectively.

A. Personal Information

This may include:

• Full name, email address, phone number, and mailing address
• Employment and income-related details
• Loan, credit, and financial information required for settlement services
• Identification details required for verification (as per compliance requirements)
• Billing and payment details (we do not store full card details)

B. Business Information

• Company name, business type, and financial details (if applicable)
• Information shared for consultancy or advisory purposes

C. Technical & Usage Data

• IP address, browser type, device details
• Website usage patterns, session data, and access logs

D. Voluntarily Provided Information

• Data shared through enquiries, consultations, or forms
• Documents provided for loan settlement or financial advisory

We use your information for the following purposes:

• To provide loan settlement and financial consultancy services
• To assess financial situations and develop customised strategies
• To communicate updates, progress, and service-related information
• To process payments and manage client relationships
• To comply with legal, regulatory, and compliance requirements
• To improve our website, services, and user experience
• To prevent fraud, misuse, or unauthorised access
• To conduct internal audits and maintain security

With your consent, we may also send:

• Service updates
• Financial insights or newsletters

You may opt out at any time.

We use cookies and similar technologies to:

• Maintain session continuity
• Remember user preferences
• Analyse website performance

You can control cookie settings through your browser or request assistance by contacting us.

We do not sell or rent your personal information.

We may share information only in the following cases:

• With trusted partners, consultants, and service providers under confidentiality agreements
• With financial institutions or third parties involved in loan settlement processes
• With legal or regulatory authorities when required by law
• For fraud detection, risk assessment, or compliance checks
• In case of mergers, acquisitions, or business restructuring

All disclosures are made in compliance with applicable data protection laws.

We implement industry-standard security measures, including:

• Encryption (SSL)
• Access controls and authentication
• Secure data storage systems
• Regular security audits

While we take reasonable steps to protect your data, no digital transmission is completely secure. Users acknowledge inherent risks associated with online data sharing.

We retain your information:

• Only as long as necessary for service delivery
• As required by legal or regulatory obligations

Once no longer required, data is securely anonymised.

Subject to applicable laws, you have the right to:

• Access your personal information
• Request correction or updates
• Request deletion of your data
• Withdraw consent for data usage

To exercise your rights, contact us using the details below.

With your explicit consent, we may use anonymised data or feedback for:

• Testimonials
• Case studies
• Marketing purposes

You may request removal at any time.

We may update this Privacy Policy periodically to reflect:

• Legal or regulatory changes
• Business or service updates

Revised versions may be published on our website with an updated effective date, at our sole discretion.

For any questions, concerns, or requests regarding this Privacy Policy:

Loancut Financial Consultancy

Email: info@loancut.in

Ph. No.: 9571113046