LendPro (the "Company", "we", "us", or "our") operates the Loan Management System (LOS) for borrowers, partners, and administrators. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our websites, portals, mobile experiences, and connected services (collectively, the "Platform").

1. Information We Collect

Depending on your role and interactions with the Platform, we may collect:

• Identification and contact information such as name, date of birth, gender, email address, phone numbers, and residential address.
• Government issued identifiers including PAN, Aadhaar, passport, driving licence, voter ID and supporting documents.
• Financial information such as income details, employment information, bank account number, IFSC, cancelled cheques, and repayment history.
• Loan application data including requested amount, tenure, purpose, references, uploaded files, and digital signatures.
• System usage metadata such as IP address, device details, browser type, timestamps, and activity logs captured for security and compliance.

2. How We Use Information

We use the collected information to:

• Facilitate loan origination, underwriting, disbursal, repayment tracking, and closure workflows.
• Verify identity, perform KYC/AML checks, and evaluate creditworthiness using third-party services such as Cashfree, Experian, and Protean.
• Provide borrower dashboards, partner portals, notifications, email/SMS alerts, and customer support.
• Improve platform features, enhance security, generate analytics, and comply with applicable regulations.
• Investigate fraudulent or suspicious activities, enforce contracts, and fulfill legal obligations.

3. Sharing and Disclosure

We do not sell personal data. We may share information with:

• Service providers and processors engaged for KYC verification, payment collection, document storage, mailing, analytics, customer support, or hosting.
• Financial institutions, NBFC partners, and credit bureaus for loan processing, reporting, and compliance requirements.
• Government agencies or regulators when legally required or to protect our rights, users, or the public.
• Authorized partners or affiliates when you consent or initiate services that require data exchange.

4. Data Storage & Security

Your information is stored using encrypted databases and access-controlled infrastructure. We implement technical and organizational measures consistent with industry standards to protect data from unauthorized access, alteration, disclosure, or destruction. Despite these safeguards, no online system can guarantee absolute security.

5. Data Retention

We retain personal data for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods may vary based on regulatory requirements and lending lifecycle needs.

6. Your Rights & Choices

Depending on applicable law, you may have the right to:

• Access, update, or correct your information.
• Request deletion or restriction of processing, subject to contractual or legal limitations.
• Withdraw consent for optional data processing.
• Opt out of non-essential communications by using unsubscribe links or contacting support.

To exercise these rights, raise a ticket through the borrower dashboard or email privacy@lendpro.in.

7. Cookies & Tracking Technologies

We use cookies, web beacons, and similar technologies to maintain sessions, remember preferences, and analyze platform usage. You may manage cookies via browser settings; however, disabling them may limit certain features.

8. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such external sites. Review their policies before providing personal information.

9. Children’s Privacy

The Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal data from minors. If you believe a minor has provided us information, please contact us for removal.

10. Policy Updates

We may update this policy periodically to reflect changes in technology, laws, or business practices. Material updates will be communicated through the Platform or via email. Continued use of the Platform constitutes acceptance of the revised policy.

11. Contact Us

For questions, concerns, or complaints about this Privacy Policy or our data handling practices, contact:

Privacy Officer – LendPro

Email: privacy@lendpro.in
Phone: +91-XXXXXXXXXX
Address: Registered office address (update as applicable)