Privacy Policy

Information you provide directly:

• Full name, mobile number, and email address submitted through our lead capture or contact forms
• Loan-related details: loan type, amount, employment type, monthly income, city, and PIN code
• Messages or queries sent via the contact form

Information collected automatically:

• Device and browser information (type, operating system, browser version)
• IP address and approximate geographic location
• Pages visited, time spent, referral source, and UTM parameters
• Cookies and similar tracking technologies (see Section 7)

We use the information collected for the following purposes:

• To match you with suitable loan products from our partner banks and NBFCs
• To contact you via phone, WhatsApp, email, or SMS with loan offers and advisory
• To process and respond to your enquiries and contact form submissions
• To improve our website, services, and user experience
• To send promotional communications about new loan offers (you may opt out at any time)
• To comply with legal and regulatory obligations under applicable Indian law
• To prevent fraud and protect the security of our platform

We share your personal information only in limited circumstances:

• Partner lenders: We share loan application details (name, phone, employment type, income, loan requirement) with our partner banks and NBFCs for the purpose of generating loan offers for you. These partners are bound by their own privacy policies and RBI-mandated data protection obligations.
• Service providers: We use third-party services including Google Analytics, Meta Pixel, Microsoft Clarity, and Supabase for analytics and data storage. These providers process data on our behalf under data processing agreements.
• Legal requirements: We may disclose your information if required by law, court order, or regulatory directive.

We do not sell your personal data to third parties for their own marketing purposes.

Your data is stored securely using Supabase (a cloud database platform with data centres in India and abroad). We implement industry-standard security measures including:

• Encryption of data in transit (TLS/HTTPS) and at rest
• Access controls limiting data access to authorised personnel only
• Regular security reviews and vulnerability assessments

Despite these measures, no transmission over the internet is completely secure. You share your information at your own risk, and we are not liable for unauthorised access beyond our reasonable control.

We retain your data for as long as necessary to provide our services, comply with legal obligations, or resolve disputes — typically up to 3 years from last activity.

ProperPaisa operates as a loan comparison and facilitation platform, not as a lender. We comply with the Reserve Bank of India's (RBI) Digital Lending Guidelines (2022) and related circulars, including:

• We do not collect borrowers' funds or disburse loans
• We clearly disclose our role as a loan service provider / aggregator
• All partner lenders on our platform are RBI-regulated entities
• Sensitive financial data shared for loan processing is transferred only to regulated lenders through secure channels

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data, subject to legal retention requirements
• Opt-out: Unsubscribe from marketing communications at any time by contacting us or clicking "unsubscribe" in any email
• Objection: Object to processing of your data for certain purposes

To exercise these rights, contact us at info@properpaisa.com or call +91 99962 49019. We will respond within 30 days.

We use cookies and similar technologies to enhance your browsing experience and collect analytics data. Cookies we use include:

• Essential cookies: Required for the website to function correctly
• Analytics cookies: Google Analytics (GA4) to understand user behaviour
• Advertising cookies: Meta Pixel and Google Ads tags to measure ad campaign performance
• Session recording: Microsoft Clarity to improve UX through heatmaps and session replays

You can disable cookies in your browser settings, though this may affect your experience on our site.

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has submitted data to us, please contact us immediately and we will delete it.

We may update this Privacy Policy from time to time. Material changes will be notified by posting a prominent notice on our website or sending an email to registered users. The "Effective Date" at the top of this page will reflect the date of the latest revision. Continued use of our services after changes constitutes acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy, please reach us at: