Privacy Policy

Effective Date: July 27, 2025

Shoploan we operates the website and services. This Privacy Policy outlines how we collect, use, and safeguard your information when you use our services. This includes login with Google and, with explicit permission, access to your Google Contacts.

1. Information We Collect

• Google Account Information: When you sign in using your Google account, we collect your full name, email address, profile picture, gender, and unique Google ID.
• Contact List (Only with User Consent): If you explicitly grant permission, we access your Google Contacts via the Google People API. This includes contact names, email addresses, and phone numbers, solely for purposes outlined below.
• Technical Information: We may collect browser type, IP address, device type, and user activity logs for security and analytical purposes.

2. Why We Request Google Contacts Access

We request access to your Google Contacts to enhance your financial experience and improve the efficiency of our services. With your consent, we may use your contact data for:

• - Pre-filling nominee, co-applicant, or reference details for loan applications
• - Cross-referencing leads or referrals that may improve your application success
• - Providing personalized assistance, such as matching you with agents who have served your contacts
• - Improving fraud detection by validating information linked to your known contacts

We never send messages to your contacts, nor do we sell, share, or use contact data for advertising. You may revoke access at any time.

3. How We Use Your Information

• - To personalize your experience on our platform
• - To pre-fill application fields and improve user experience
• - To connect you with a verified DSA representative or bank partner
• - For fraud prevention, security monitoring, and user analytics

4. Data Storage and Security

All data is stored on secure servers with encryption in transit and at rest. Access is restricted to authorized personnel only. We maintain strict security policies to prevent unauthorized access or misuse.

5. Sharing of Information

We do not sell or rent your data. We may share your data with:

• - Authorized banking and financial partners, for service facilitation only
• - Technology vendors for storage or processing, under strict data agreements
• - Governmental or legal authorities, if required under law

6. User Rights and Control

You have the right to:

• - Request access to the information we hold
• - Request deletion or correction of your data
• - Revoke access to Google Contacts at any time via your Google account settings

7. Contact Information

If you have questions about this Privacy Policy or your data, please contact our support team.