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Privacy Policy – ReaLoan

Privacy Policy – ReaLoan

Last Updated: 22 Nov, 2025

ReaLoan (“we”, “our”, “us”) operates the website www.realoan.shop and provides online loan assistance, consultation, and documentation support. We are a Direct Selling Agent (DSA) and authorized partner for multiple NBFCs, Banks, and Private Lenders.
We are NOT a direct lender, and we do not sanction or disburse loans directly.

This Privacy Policy explains how we collect, use, store, share, and protect your information in accordance with Indian data protection laws, including the Information Technology Act, 2000 and applicable rules.

By using our website or submitting your details, you agree to the practices described below.

1. Information We Collect

We may collect the following types of information:

A. Personal Information

  • Name

  • Mobile number

  • Email address

  • Date of birth

  • Gender

  • Address and PIN code

  • Aadhaar/PAN details (if provided voluntarily)

B. Financial Information

  • Bank statements

  • Income details

  • Salary slips

  • GST returns

  • ITR filings

  • Business turnover

  • CIBIL/Credit score information

  • Property details (for mortgage loans)

C. Business Information

  • Business registration

  • Udyam certificate

  • Company documents

  • GST number

  • Shop Act / Trade license

  • Partnership / Company details

D. Technical & Log Data

  • IP address

  • Browser type

  • Device information

  • Cookies and usage data

  • Pages visited on the website

2. How We Use Your Information

We use your information to:

  • Assess your loan eligibility

  • Submit your application to partnered lenders

  • Offer loan product comparisons

  • Communicate via call, SMS, WhatsApp, or email

  • Verify your identity and documents

  • Prevent fraud and misuse

  • Provide customer support

  • Improve our website and user experience

We never sell your personal data to unauthorized third parties.

3. Sharing of Information

We may share your information with:

A. Partnered Entities

  • NBFCs

  • Banks

  • Private lenders

  • Financial institutions

This is done only to process your loan request.

B. Verification Agencies

  • KYC verification

  • CIBIL / credit bureaus (with consent)

  • Document verification partners

C. Technical Service Providers

  • Hosting providers

  • Email/SMS gateways

  • Data analytics tools

All third parties are expected to follow secure data-handling practices.

4. Loan Application Submission

By submitting information on our website, you authorize ReaLoan to:

  • Evaluate your profile

  • Forward your details to partnered lenders

  • Facilitate communication between you and lenders

  • Retrieve or request your CIBIL/credit score (only when required and with consent)

Loan approval decisions are solely taken by the lender, and ReaLoan cannot influence or guarantee any outcome.

5. Cookie Policy

Our website uses cookies for:

  • Basic website functionality

  • Improving user experience

  • Analytics & performance monitoring

  • Tracking website traffic

You may disable cookies in your browser settings, but some website features may not work properly.

6. Data Security

We implement reasonable technical and organizational measures to protect your data, including:

  • Encrypted data transmission

  • Secure servers

  • Restricted access

  • Regular security checks

However, no system is 100% secure. ReaLoan is not liable for events beyond reasonable control, such as hacking, cyber attacks, or third-party breaches.

7. Data Retention

Your data may be retained for:

  • As long as needed to process your loan

  • As required by Indian laws

  • For audit, compliance, and regulatory purposes

You may request deletion of your data after loan processing is complete, subject to lender and compliance norms.

8. Consent

By using our website and services, you consent to:

  • Sharing your information with lenders

  • Being contacted via phone, email, SMS, WhatsApp

  • Providing additional documents for verification

  • Allowing lenders to access your credit report (if needed)

You may withdraw consent anytime by contacting us.

9. Third-Party Websites

Our website may contain links to external sites.
We are not responsible for privacy practices of third-party sites.
Please review their policies separately.

10. Children’s Privacy

Our services are not intended for minors under 18 years.
We do not knowingly collect data from children.

11. User Rights

You may request:

  • Access to your stored data

  • Correction of inaccurate information

  • Deletion of your data (if legally allowed)

  • Restriction on processing

  • Withdrawal of consent for marketing communication

Contact details provided below.

12. Changes to This Policy

ReaLoan may update this Privacy Policy at any time.
Updates will be posted on this page with a revised date.
Continued use means you accept the changes.

13. Contact Information

For queries regarding this Privacy Policy:

ReaLoan – Data Protection Team
📧 Email: zepromart@gmail.com
📞 Phone: +91 9051833648
🌐 Website: www.realoan.shop

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