Easy Consultant(“Company,” “we,” “our,” or “us”) is committed to protecting your personal information in accordance with the Information Technology Act, 2000, the SPDI Rules, 2011, the RBI guidelines applicable to lending institutions, and other relevant Indian laws.

This Privacy Policy explains how we collect, use, store, and safeguard your information when you visit our website or avail our lending services.

1. Information We Collect
In compliance with Indian laws and RBI regulations, we may collect:

• Personal Identification Information: Name, gender, date of birth, residential address, email, phone number, Aadhaar, PAN, Passport, Voter ID, or Driving License.
• Financial Information: Bank account details, income, credit history, repayment details, and tax-related information.
• Professional Information: Occupation, employer details, and business registration documents (for business loans).
• Sensitive Personal Data (SPDI): Passwords, biometric details (if required for KYC), and financial records.
• Technical Information: IP address, browser type, device details, and cookies.

2. Purpose of Collection & Use of Information
Your personal data will only be collected for lawful purposes such as:

• Verifying identity as per RBI KYC (Know Your Customer) norms.
• Assessing loan eligibility and creditworthiness.
• Processing loan applications, disbursal, and repayment tracking.
• Complying with RBI, SEBI, and statutory audit requirements.
• Preventing fraud, money laundering, and other unlawful activities.
• Communicating loan status, repayment schedules, reminders, and account updates.
• Marketing of financial products (only if you have given consent).

3. Sharing & Disclosure of Information
We may share your data with third parties only as permitted under Indian law:

• Regulatory Authorities: RBI, SEBI, Income Tax Department, FIU-IND, or law enforcement agencies when legally required.
• Credit Bureaus: CIBIL, Experian, Equifax, CRIF Highmark for credit score verification.
• Service Providers: Banks, payment gateways, recovery agencies, IT service providers.
• Business Partners: Co-lenders, NBFCs, or financial institutions (with confidentiality safeguards).
• We do not sell or rent your personal data under any circumstances.

4. Data Security
We follow reasonable security practices as mandated under the IT Act, 2000 and RBI guidelines:

• Encryption of sensitive data.
• Secure servers and firewalls.
• Access controls and monitoring.
• Compliance with RBI’s Cyber Security Framework for NBFCs.
  However, no electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention
We will retain your information only as long as:

• Required for loan processing and repayment obligations.
• Mandated under RBI regulations, Income Tax laws, and audit requirements.
• Necessary for dispute resolution or fraud prevention.
• After this period, data will be securely deleted or anonymized.

6. Your Rights
Under Indian data protection laws, you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or outdated information.
• Withdraw consent for non-essential data processing (such as marketing).
• Request deletion of personal data, subject to legal and regulatory retention requirements.
• To exercise these rights, contact us at the details below.

7. Cookies & Tracking
Our website may use cookies for analytics, performance monitoring, and user experience improvement. You can disable cookies in your browser settings, though some features may not function properly.

8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices, and you are advised to review their policies separately.

9. Policy Updates
This Privacy Policy may be updated to reflect changes in law or our practices. Any changes will be posted here with an updated “Last Updated” date.

10. Contact Us
For questions, concerns, or to exercise your rights, please contact:
Easy Consultant
Email: info@easyconsultants.org
Phone: +91 9810733488