Effective : 16 June 2025

1. Scope

This Policy explains how eLoan Originators (“we”, “us”) collects, uses, stores and shares your information when you access https://eloanoriginators.com/ or our API services.

2. What Data We Collect

• Contact data : name, e-mail, phone.
• KYC data.
• Financial data
• Technical data : IP address, browser user-agent, cookies.

3. Lawful Bases

We process personal data on the bases of contract (to deliver the SaaS), legitimate interest (fraud prevention, analytics) and consent (marketing communications, optional extras). You may withdraw consent at any time.

4. How We Use Data

• Account creation, authentication and subscription billing.
• Verifying identity and generating credit-bureau or payroll reports you request.
• Customer support, service improvement and regulatory compliance.

5. Storage & Transfers

Data is stored on secure servers in indian region. Cross-border transfers occur only under standard contractual safeguards.

6. Sharing

We share data with:

• Razorpay (payment processing).
• Credit bureaus / payroll providers when you trigger those APIs.
• Banks, Regulators or law-enforcement if legally required.

7. Your Rights

You may request access, correction, erasure or portability of your data, as well as lodge a grievance under the Digital Personal Data Protection Act 2023.

8. Cookies

We use essential cookies for login sessions and analytics cookies (Google Analytics 4) with IP anonymisation.

9. Contact

For privacy queries or grievances, e-mail tech@eloanoriginators.com or call +91 99450 20000.

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We may amend this Policy periodically. Material changes will be notified via e-mail.