Privacy Policy

We at Digital India Loan are incredibly grateful for the confidence you have in us. We are committed to upholding ethical standards in the administration, application, and security of your data. Our top priorities are ensuring your security and guaranteeing the privacy of your data. We take this responsibility seriously and understand that processing and disclosing your personal information may cause concerns. We respect your privacy and uphold the highest data protection standards, to keep your personal data safe. At Digital India Loan, our primary goal is to earn your trust.

This Privacy Policy applies to all applications, websites, and services maintained by our company that are linked to _____________ (the “Website”). We recommend reading our Terms & Conditions, which are also available on our Website. You acknowledge that the provisions of this Policy are legally binding on you by using any method or device to access the Website, Application, and Services or to register with us. If you do not agree with the terms outlined in this Policy, please refrain from using the Website, Products, or any of Services.

By accepting this privacy statement, you explicitly authorize Digital India Loan to collect, store, use, share, and process your personally identifiable information as outlined in this Policy. The objective of this Policy is to ensure that you clearly understand how your data is collected, used and disclosed when you visit our Website or use our services. We handle your data with the utmost caution and respect for privacy. You agree to the collection, use, and dissemination of your information as described in this Privacy Policy by using our Website or services in the future.

At Digital India Loan, transparency is our core principle, and we are committed to providing exceptional financial solutions and services while safeguarding the privacy of our clients. You can rely on us to safeguard your information in an encrypted and ethical manner.

Information We Collect

At Digital India Loan, we may collect the following types of information to improve our services:

Personal Information: We utilize the information you provide, such as your name, phone number, and date of birth to assist you. The security and confidentiality of your personal data are of utmost importance to us.

Financial Information: We require certain details regarding your bank account or credit card to expedite the loan application process. We strictly adhere to industry-standard security protocols to protect your sensitive data.

Transaction Information: We store details related to your loan requests, payment histories, and account balances. This enables us to provide accurate information and personalized services designed to meet your needs.

External Access: In some circumstances, you may permit us to access your data stored on third-party platforms, such as social networking sites (e.g. Facebook and Twitter). We will access this information only with your express consent and in compliance with your privacy settings. If you link your user account to another platform, it will be handled in accordance with our Privacy Policy.

At Digital India Loan, we are committed to protecting the privacy and confidentiality of the data you provide. We implement industry-standard security measures and comply with all relevant laws and regulations. Please note that this content has been specially created for the Digital India Loan website.

How We Use Your Information

We at Digital India Loan make use of the data we gather in the following ways:

It should be noted that the [Registered Office Address] and [Website Domain Name] should be changed to reflect Digital India Loan's actual registered office location and website domain name.

Services:-

You must fulfil the requirements outlined in our mobile app to use our Services and submit an application for a loan. Note that the Lender has chosen Digital India Loan to gather, confirm, and track your location, and verify User Data, papers, and any other information necessary for loan approval. The mobile application form for Digital India Loan that is accessible on our platform securely gathers and saves User Data with the Lender's approval.

You must create a "User Account" with Digital India Loan by logging in with your favourite Third-Party Platform to access and use our Services. You will be asked to submit user information via the app's mobile form during the application process. The data may be your email address, name, age, date of birth, telephone number, user name, password, image, contact details, mobile phone information (such as SMS and browsing history), login information for third-party platforms, financial information (such as bank documents, statements, salary slips), bank account numbers, PAN cards, customer compliance-related data, information from credit information companies, and other pertinent data. You are accountable for making sure all of your personal information is true, complete, and current. You authorise us to access and obtain all essential data and private information from third-party platforms if you use our services. Please be aware that from time to time, we might ask the relevant third-party platforms for updates to your data and receive them.

Digital India Loan will rigorously follow your particular instructions in all transactions carried out on your behalf, and you will need to approve them in advance. Our business runs on a non-discretionary system. You authorise Digital India Loan to request credit reports from several financial institutions following the terms of this agreement. The review and approval of your application will start as soon as you have confirmed and submitted the relevant user data, paperwork, and information using Digital India Loan's mobile application form.

If you satisfy the necessary criteria for eligibility and adhere to the loan acceptance terms and conditions, the Lender can grant the loan request after our firm has completed the document validation procedure. The ECS/NACH authorization form, a cheque, or any other pertinent paperwork that the Lender requests will then need to be filled out and submitted by you. To process and approve loans, our organisation may gather physical documents, including those that call for signatures. Once the lender has received and reviewed these papers by the loan agreement, the loan amount will be issued.

"The loan will be disbursed using the procedure mentioned in the mobile application form. By the dates specified in the mobile application form, you must pay back the loan balance to the lender.

While utilising the Services, Digital India Loan reserves the right to monitor your whereabouts to make sure that all of your responsibilities, including paying back the Lender's unpaid sum, are met. Even if you stop using, uninstall, or delete the mobile app, this tracking can carry on. This monitoring's goal is to guarantee adherence to all responsibilities up until the full repayment of the remaining balance owed to the Lender.

Please be aware that Digital India Loan retains its right to monitor where you are at all times while you use the Services, regardless of whether you remove or uninstall the mobile app or for any other pertinent cause, until the point at which you are no longer liable for paying the Lender's outstanding sum.

You are still liable for paying off any unpaid balances even if you deactivate our Services or cease using them. You accept that Digital India Loan shall not be responsible for any claims, damages, or disputes originating from the proper or improper use of the Services and undertake to take sole responsibility for all actions undertaken while using the Services under your User Account. By utilising the Services, you agree that maintaining the privacy of your User Account and any related behaviour is solely your responsibility. Without giving a reason, Digital India Loan reserves the right to accept or reject your request for the Services. You further acknowledge that for the Platform and Services to operate properly and for interaction to be successful, you must have access to a computer or other electronic device that satisfies all technical requirements for software, hardware, connectivity to the internet, and other elements

Digital India Loan securely stores the User Data you submitted throughout the registration procedure for your convenience. The Platform can be accessed without logging into your User Account each time. By agreeing to these conditions, you expressly grant us permission to keep track of, retrieve, and use your personal information along with that of other users to carry out authentication procedures and to send you account-related updates.

License

App Use Authorization: You must download and install the Digital India Loan App to use the Services. You attest that you are of legal age and have the mental ability to comprehend, accept, and abide by these Terms by using the Services. Your right to download, install, and use the App is granted to you by Digital India Loan on a limited, non-exclusive, non-sublicensable, and reversible basis. These Terms & Conditions apply to the usage of the App because it is licenced to you rather than sold.

Through accredited online retailers, the App can be downloaded, installed, accessed, or used on a variety of electronic devices, including smartphones, tablets, and similar gadgets.

Support and Upkeep: Although these services are not required, Digital India Loan may, at its discretion, offer maintenance and assistance for the App.

Updates/Upgrades: Through the relevant online stores, the App might provide the option to subscribe to updates or upgrades. It's crucial to know that certain features or capabilities may stop working if you decide not to update or upgrade the App.

Restrictions

The following guidelines must be followed when using Digital India Loan:

Prohibited Behaviours :- You shall abstain from engaging in any illegal or criminal activity by using the Platform or Services. Any component of the App may not be reproduced, duplicated, copied, sold, resold, or otherwise exploited by you.

Prohibited Materials: It is completely forbidden to upload, post, email, transmit, or make available any damaging, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, or objectionable content based on a person's race, ethnicity, or other characteristics.

Unsolicited Requests:Use of the Platform to disseminate unauthorised or unsolicited solicitations, such as "junk mail," "spam," "chain letters," "pyramid schemes," or comparable sorts of solicitations, is forbidden.

Contaminated Content: It is expressly forbidden to upload, post, email, share, or share any content on the Platform that has computer viruses or other types of malicious computer code, files, or programmes designed to obstruct, disable, or restrict the functionality of computer software, hardware, or telecommunications devices.

Infractions and Interference: It is expressly forbidden to engage in any actions that hinder regular communication, restrict other users from taking part in live discussions, or attempt to compromise the Platform or any related networks in breach of their rules.

Following the law: Any applicable municipal, state, national, or international rules or regulations must not be broken, whether intentionally or unintentionally.

Please be aware that breaking any of these guidelines could result in your access to the Digital India Loan platform and services being terminated.

Content available:

Concerning the content available via the Platform or Services, Digital India Loan provides no promises or assurances. Data files, text, numbers, code for computers, audio files, images, videos, and other visual components could all be included in the content. Any content that a user uploads, shares, links to, or otherwise makes available on the Platform is strictly their responsibility. Digital India Loan disclaims all responsibility for any injury resulting from the use of any incorrect, lacking, or missing information.

Except as otherwise provided under these Terms, nothing contained on the Platform should be interpreted as an official invitation, promotion, or suggestion to buy or sell any financial products or services offered by Digital India Loan or its subsidiaries.

Proprietary rights of the company:

You agree that all intellectual property rights concerning the Platform's content, platform, services, brands, trade names, trademarks, designs, and any essential software belong exclusively to Digital India Loan. This covers every ownership, title, and interest in the associated intellectual property rights. The Platform may also feature logos, service marks, and trademarks that belong to or are utilised by other businesses. However, unless expressly permitted, you cannot utilise any logos, service marks, or trademarks on the Platform. It may be against the law to utilise this intellectual property without permission.

You should be aware that these terms do not provide you or any other party ownership rights in the Platform. Responsibility, rights, and titles continue to belong to Digital India Loan. However, as long as your registration with the business is active, you are permitted access to the services offered by Digital India Loan

Links to third party sites:

There is a chance that the Digital India Loan platform will link to other websites, often known as "Linked Websites," that are run by unaffiliated third parties and are not members of the Digital India Loan network. The information on these Linked Websites is subject to change without notice, and Digital India Loan expressly disclaims all responsibility for the accuracy of the information on these websites or any links contained within. Regarding the veracity of the information on external websites, Digital India Loan provides no guarantees or declarations.

On the Digital India Loan platform, third-party adverts might also be shown. However, the existence of these adverts does not signify that Digital India Loan has given the advertiser, its goods, or services, sponsorship or approval. For information on the adverts and any related goods or services, you should get in touch with the specific advertiser directly. For any problems that might result from your interactions with third parties, Digital India Loan expressly disclaims all obligations and accountability.

Ancillary services:

Digital India Loan offers extra features including chat rooms, blogs, comments, reviews, and other similar services that may be provided by us directly or by third parties on our company's behalf. The use of our services for any illegal activities, such as defamation, abuse, stalking, harassment, threats, or supporting racism, is categorically banned. It is completely forbidden to take any activities that break the law or violate another person's right to privacy.

Please be aware that the Platform might contain suggestions, viewpoints, and remarks from different professionals, analysts, and experts. Digital India Loan does not, however, support or attest to the truthfulness or dependability of any such recommendations, views, conclusions, statements, or information. You must independently evaluate any such recommendations, views, services, declarations, or information offered on the Platform to determine its accuracy and application

Furthermore, nothing on the Platform, including the content, ought to be taken into consideration as professional advice in the fields of law, accounting, tax, finance, or investment. The Platform doesn't offer any recommendations or advice in particular. At any moment, Digital India Loan may update, amend, modify, or remove any information on the Platform. However, Digital India Loan won't be held responsible for any ensuing claims or losses brought on by such modifications. It's critical to realise that nothing on the Platform should be interpreted as an endorsement for a certain approach or solution. Digital India Loan makes no express or implied promise or warranty that using any items or techniques indicated on the Platform won't violate any patents or other rights, but this possibility exists.

Termination

In the following situations, the Company maintains the right to end these terms:

Non-compliance: if you disregard any clause in these contracts.
Legal prerequisites: if the Company is mandated by law to follow certain laws
The cessation of services : if the Company chooses to stop providing the services or stop the Platform's operations.
Licence for the app expiring: if the App's licence for use expires.
Unpaid debts: if any overdue balances is still owing.

The Company further reserves the right to keep an eye on your behavior, even after these terms expire or the App is uninstalled until all of your responsibilities, including the settlement of any unpaid debts, are met.You shall forfeit any licences and rights granted to you upon termination of these terms, and you must stop using the Platform and its services straight away. You will also be in charge of paying any unpaid debts. Please be aware that even if the agreement is terminated, you are still responsible for any outstanding debts.

Disclaimer of warranties:

You agree that using the Digital India Loan Platform and its Services is solely your own responsibility and judgement. The Platform and Services are made available "as is" and "as available." All representations and implied guarantees, such as those of merchantability, suitability for a specific purpose, and non-infringement, are expressly disclaimed by the Company.

You do so voluntarily and at your own risk if you choose to download or otherwise receive content from the Platform. Any harm to your computer system, loss of electronic data, or data corruption brought on by such downloads is totally your responsibility. The Company makes no guarantees or representations of any kind, either express or implied, about the truthfulness, fullness, or dependability of any guidance or data gathered through the Company, the Services, or the Platform, whether expressed orally or in writing, except what is expressly stated in these Terms.

You are entirely responsible for making proper use of the Platform and Services and for reporting any improper usage. Only personal, non-commercial use is intended for the Platform and Services. Any losses resulting from the use of the Services that are not expressly indicated in these Terms shall not subject the Company to liability. Regarding the following, the Company makes no guarantees or warranties:

(a) That the Content will satisfy your needs and be accurate, timely, uninterrupted, or secure;
(a) The Platform or Services will be helpful to you; and
(c) The accuracy or dependability of the outcomes produced by the Platform or Services.

Indemnification

By agreeing to these conditions, you release and hold safe the business, its associated companies, affiliates, managers, representatives, co-branders, partners, and employees from any third-party claims or requests, including the costs of fighting against such claims or demands

This indemnity covers any claims or demands brought against you as a result of your use or abuse of the Digital India Loan Platform or Services, your breach of these Terms, your violation of the rights of other customers, your breach of the law, or any combination of these activities. By agreeing to these conditions, you waive any claims or demands against the Company and any connected parties resulting from your acts or inaction. This covers the costs related to defending against such allegations, such as legal fees.

Limitations of liability:

You understand and acknowledge that regardless of whether the Company has been updated on the potential for such harm, its executives, employees, authorities, and service providers shall not be accountable for any harm, such as but not restricted to direct, indirect, incidental, special, significant, or exceptional damages. These damages could result from a number of circumstances, including:

(a) The use of or inability to use Digital India Loan's services,
(b) Inability to access the Platform,
(c) Delays in the Platform's accessibility or the delivery of services,
(b) The Company's performance or lack thereof,
(e) Loss of functionality in your computer system or other electronic devices as a result of using the Platform to access or download materials,
(f) Server errors or other problems affecting the Services.

You comprehend and identify that, to the greatest extent permitted by relevant laws, the Company shall not be liable for any such damages. The Company shall not be held responsible for any harm, deficiency, or interruption of Platform-related operations that may result from events beyond its reasonable control. Natural disasters, acts or events outside the Company's control, such as interruptions in the machine or telecommunications service, modifications to Reserve Bank of India regulations or those of other government organisations, riots, storms, civil unrest, blackouts of electricity, and floods, are just a few examples of such situations.

The Company will employ ordinary commercial measures to limit any interruptions or delays brought on by unforeseen events, but it disclaims all responsibility for any ensuing indirect losses.

Privacy policy:

By At Digital India Loan, we are committed to safeguarding the security and privacy of our clients. To provide our services, we must collect, share, and handle personal data. To that end, we have put in place a comprehensive privacy policy. You may access our complete privacy declaration by clicking on the following link: [Privacy Statement Link] to gain a thorough understanding of our privacy practices.

Change:

In its sole discretion and at any point, Digital India Loan reserves the right to change, delete, suspend, or modify these Terms or any related content. Users will be quickly informed if these Terms change through the publication of the updated terms on the website. You acknowledge and agree to the amended terms by using the services or platform after any such amendments have been made. To be aware of any updates or modifications, we advise examining the conditions frequently.

Law and jurisdictional preference:

These Terms or any linked materials may be changed, removed, suspended, or revised at any time by Digital India Loan. Any modifications to these Terms shall be promptly communicated to Users by posting the updated terms on the website. You confirm that you have read, comprehended, and agreed to the new terms by using the platform or services once they have been implemented. To be aware of any updates or modifications, we advise examining the conditions on a frequent basis.

Miscellaneous

• Complete Agreement: The terms and conditions of the loan agreement, the mobile application form, and the privacy policy make up the entirety of the contract between you and Digital India Loan for the services.
• Protection of Rights: Even if it hasn't in the past, Digital India Loan reserves the right to enforce any rights or clauses in these conditions.
• The time frame for filing claims:You understand and accept that any claims or causes of action resulting from your use of the services or your agreement with these terms must be filed within one (1) year of the date on which such claim or cause of action arises or be forever barred.
• Severability:The court will make an effort to confirm the parties' intentions as stated in that section if it finds any aspect of these terms to be defective. The remaining terms and conditions are still enforceable and lawful.

REFERRAL PROGRAM:

Referral recipients are individuals who participate in the Digital India Loan referral programme with a valid referral code, whilst referrers are those who pass along the referral code. Participants in the referral programme might be either referrers or referees. Both the referrer and the referral receiver are eligible for a discount of Rs. ------ on their subsequent loan payments for each successful reference. Be aware that Digital India Loan retains the right to change the amount stated. The chance to take part in sporadic, widely publicised referral tournaments may also be available to referrers.

Violations

Please send an email to Digital India Loan at info@Digital India Loan.com if you have any queries or would like to report any violations of these Terms.. By accepting the terms and conditions, you acknowledge that you must have recommended at least 10 friends who successfully applied for loans using your referral code to be eligible for the Lucky Draw throughout the contest time. Please take note that the Digital India Loan App, which can be downloaded at www.DigitalIndiaLoan.com, is the only application that can use referral codes.

Winners consent to have their names, addresses, photos, and other pertinent information publicised on many platforms by taking part in this referral programme. It is crucial to remember that Digital India Loan has chosen particular cities where the referral programme is available. According to our Terms and Conditions, it is forbidden to open numerous customer accounts using various addresses, email addresses, or devices to gain unauthorised referral discounts

Digital India Loan reserves the option to withdraw, add, eliminate, amend, or alter any terms and circumstances of the referral discount programme without giving a reason. The referred client discount is non-transferable. All customers are expected to follow Digital India Loan's decision in the event of a disagreement involving the referral programme. As a result of the programme, customers are responsible for paying all applicable taxes, cess, tariffs, and fees that are owed to the government or any other appropriate authority or agency

Accounts may be suspended, referral discounts may be removed or revoked, and features or benefits obtained through the referral programme may be withheld by Digital India Loan. Any referral activity may be examined and looked into by Digital India Loan as well.

The consumer acknowledges full responsibility for any loss or damage allegedly brought about by their participation in this programme, as well as accepting and/or usage of any prizes, by signing up for it. The customer agrees that any technical skills, software, hardware, or telephone issues; dropped or unavailable network connections; unsuccessful, incorrect, incomplete, inaccurate, or postponed electronic interactions; or any other technical issues or human errors that may arise during entry processing in this programme are solely their responsibility. This disclaimer applies to Digital India Loan and each of its executives, directors, staff members, parent company, and affiliated companies. The participant grants permission for their name, hometown, state, likeness, and/or voice to be used for promotional and publicity purposes without additional payment unless prohibited by law.