COLLECTING PERSONAL INFORMATION
We collect information after due consent from our users. Loan Diaries does not share any information of users with a third party without specifically informing the users at the time of collection or without the express consent of users themselves. By providing your number to Loan Diaries you are authorizing Loan Dairies and its representatives to give you a call to offer you our services for the product you have opted for, impart product knowledge and offer promotions running on the website/app. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing Loan Diaries and its representatives to give you a call for the above mentioned purposes. This is based on your active opt-in to receive promotional offers from Loan Diaries and hence, there is no DNC check required for the number you have provided us through our Website or App.
USE OF USER INFORMATION
Loan Diaries reserves the right to perform statistical analysis of user behavior and preferences in order to measure users’ relative interests in the various areas of the website/app for the purpose of product and service development. The analytical data that Loan Diaries collects is for internal use only. We use analytics and reporting technologies to record non-personal information such as internet domain and host names, internet protocol (IP) addresses, browser software, operating system types, clickstream patterns, and the dates and times that the website/app services are accessed. We also contract with several online partners to help manage, monitor and optimize our website/app services to help us measure the effectiveness of our advertising, communications and how visitors use the website/app.
Loan Diaries also collect non-personal information such as browser type, the URL of the previous website you visited, your ISP, operating system, and your internet protocol (IP) address.
DISCLOSURE TO THIRD PARTIES
Unless Loan Diaries specifically informs users at the time of collection, or unless users give express consent, Loan Diaries does not provide any personal information to a third party that could be used for identification of a user. We may contract with various third parties to help us maintain and improve the website/app. We will use commercially reasonable efforts to prevent such third parties from accessing your personal information, except for the purpose of providing the services in question. However, if subpoenaed or ordered by a court of law, we have to disclose to the proper authorities the personal information of any individual user.
OTHER SHARING OF INFORMATION
Loan Diaries App Permissions
- Contacts: This will give you the ability to easily share your business profile with people in your contact list.
- Location: We use your location to auto detect your city while building your web profile.
- Storage: This allows us to locally fetch your product images, other photos and store some data when you are using the app. By doing this, we avoid unnecessary network calls and save your mobile data.
- SMS: We need this to better assess your credit risk profile. We will read financial SMS transaction messages by banking or non-banking financial institutions, payment apps and services only. We will be able to obtain the number and type of your bank accounts, card accounts and loan accounts, cheque bounces, average EMI payments, average monthly credits and debits, and any other financial red flag. This will help us process your loan application more effectively. All your data will be stored safely and securely. We do not read your personal conversations in any manner.LINKS TO OTHER MATERIALS
Linked sites are not under our control and Loan Diaries will not be held responsible for the content or privacy policies of any linked sites or any links containing other linked sites.
ALL PRIVATE INFORMATION IS ENCRYPTED AND COMMUNICATED SECURELY
All communications between your devices and Loan Diaries website/app that contain any personal/sensitive information are encrypted and transferred over a secure protocol.
Loan Diaries does not offer services to, or target, persons considered minor under the Indian laws i.e. children below 18 years of age. Services are intended for users aged 25 and above only. In compliance with the Indian laws, any personal information from individuals that are under the age of 18 will be purged from our database.