SARVATRA IT SERVICES PRIVATE LIMITED (hereinafter referred to as "we", "us" or "the Company"), the developer and operator of the credit limit inquiry mobile application LoanScope (hereinafter referred to as "this App"), respects and protects your privacy. This Privacy Policy (hereinafter referred to as "this Policy") explains how we collect, use, disclose, store and protect the personal information you ("User" or "you") provide to us when using this App.

Please carefully read and understand this Policy before using this App. If you do not agree to any content of this Policy, please do not register for, access or use this App. By using this App, you indicate that you agree to our collection, use and processing of your information in accordance with the provisions of this Policy.

To provide you with credit limit inquiry services, we will collect the following types of information:

Personal identification information: Such as your name, email address, phone number, residential address, date of birth, gender, marital status, etc.

Official identity document information: This includes your Aadhaar number and the Aadhaar card information uploaded through this App to complete the "Know Your Customer" (KYC) process. We also collect information such as your Permanent Account Number (PAN).

Financial information: Such as your occupation details, income range information, etc.

Technical information: For verification purposes, we may need to access the camera on your device (for taking photos of documents).

To provide accurate credit assessment services, with your explicit consent, we may obtain credit information about you from credit bureaus and financial institutions.

To provide more accurate credit assessments and personalized services, we need to access information about the applications on your device. This helps us gain a comprehensive understanding of your spending habits, financial situation, and credit risk, enabling us to tailor credit products that best meet your needs. To ensure accurate credit assessment and thoughtful service, we need to obtain your application list information to fully understand your consumption habits, financial status, and credit risks, so as to customize the most suitable credit products. Only the application name and type are accessed, and all data transmission is encrypted to ensure privacy and security.

Used to capture clear images of your identity documents and a live selfie. This is essential to verify your identity digitally, preventing fraud and ensuring that only you can access your account.

Our application collects and monitors a range of phone-related information, including hardware specifications, operating system details, serial numbers, user profiles, and mobile network data. This allows us to uniquely identify each device and prevent unauthorized access or actions on your behalf.

Used to verify your device's location to confirm service availability in your area. This also helps strengthen your account security by monitoring for unusual activity and preventing unauthorized access.

We use the collected information for the following purposes:

Providing core services: Verifying your identity, processing your credit limit inquiry request, and generating estimated results.

KYC compliance: Fulfilling the "Know Your Customer" and anti-money laundering obligations stipulated by Indian laws.

Improving services: Analyzing user behavior to improve the functions and user experience of this App.

Communicating with you: Contacting you regarding service updates, security alerts, technical support requests, etc.

Security and fraud prevention: Protecting our services from fraud and abuse, and maintaining the security of all users.

Legal compliance: Complying with applicable laws, regulations, court orders or government requirements.

We are committed to protecting your data and will only share your information under the following circumstances:

Sharing with service providers: To achieve service purposes, we will share necessary information with service providers who assist us with technical and support services. We require all third parties to abide by strict data protection agreements and only use your information for the purposes we specify.

Complying with legal obligations: We may disclose your information if required by law or in response to valid legal procedures (such as court subpoenas or search warrants).

Protecting rights and security: We may disclose information when necessary to protect the rights, property and safety of us, our users or the public from harm.

Business transfer: In the event of a merger, acquisition or asset sale, we may transfer your information to the new entity.

We are well aware of the sensitivity of Aadhaar information and strictly comply with India's Aadhaar Act, 2016 and relevant guidelines:

Voluntary consent: Providing Aadhaar information is completely voluntary, but refusing to provide it may result in our inability to provide you with core credit inquiry services.

Limited use: We only use Aadhaar information for KYC and identity verification purposes permitted by law.

Secure storage: We will not store your complete Aadhaar number on our own servers. We only store the "Virtual ID" authorized by UIDAI or the desensitized reference ID to ensure security.

Secure transmission: Your Aadhaar information will be transmitted through secure encrypted channels (such as HTTPS).

We will only retain your personal information for the period necessary to achieve the purposes stated in this Policy, unless laws require or allow a longer retention period. After the retention period expires, we will delete or anonymize your personal information in a secure manner.

To protect your personal information, we commit to storing all collected personal information on servers located within India. On this basis, we implement reasonable administrative, technical and physical security measures to protect your personal information from loss, theft, abuse, unauthorized access, disclosure, alteration and destruction. These measures include encryption, access control, security protocols and localized data storage. However, please note that no method of transmission over the Internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

In accordance with relevant Indian laws, you enjoy the following rights regarding your personal information:

Right of access and correction: You have the right to access the personal information we hold about you and to request updates or corrections of inaccurate information.

Right to withdraw consent: You have the right to withdraw your consent to our processing of your information at any time by contacting us through the contact information listed below. Please note that withdrawing consent does not affect the legality of processing based on consent before withdrawal.

Right to erasure: You have the right to request the deletion of your personal information, but this may affect our ability to continue providing services to you.

Right to lodge a complaint: If you have any concerns about the way we process your data, you have the right to lodge a complaint with the regulatory authority.

This App is not intended for individuals under the age of 18. We will not collect personal information of children under the age of 18. If we discover that we have inadvertently collected information about children, we will take immediate measures to delete such information.

We may update this Policy from time to time. Any changes will be published as a new version on this App, and the "Last Updated Date" will be updated. We encourage you to review this Policy regularly to stay informed of the latest information. After the changes take effect, your continued use of this App indicates that you accept the updated Policy.

If you have any questions, concerns or requests regarding this Policy, your personal information or your rights, please contact us through the following methods:

Company Name: SARVATRA IT SERVICES PRIVATE LIMITED

Email Address: contact@sarvatrafintech.com

Registered Office Address: B-1/235, Upper Ground, Janakpuri 110058 New Delhi

We are committed to processing your request in a timely manner.