Lal G Finance

1. Introduction

Lal G Finance (“we”, “our”, or “us”) is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our loan management application.

2. Information We Collect

We collect the following types of information:

• Personal Information: Full name, father's name, mobile number, email address, and residential address.
• Financial Information: Loan applications, repayment history, and EMI payment records.
• Payment Information: UPI transaction IDs and payment screenshots submitted for verification (we do not store card/bank credentials).
• Device Information: Browser type, device type, and IP address for security purposes.

3. How We Use Your Information

• To process loan applications and disburse approved loans.
• To generate and manage EMI schedules and payment records.
• To send notifications about upcoming EMIs, payment confirmations, and loan updates.
• To verify your identity and prevent fraud.
• To calculate and display your internal credit score based on repayment behaviour.
• To improve our services and user experience.

4. Data Sharing

We do not sell, rent, or trade your personal information to third parties. We may share your data only in the following circumstances:

• With our registered agents who are authorised to manage your loan account.
• With payment service providers (UPI platforms) solely for processing payments.
• When required by law, court order, or government authority.

5. Data Security

We use industry-standard security measures including encrypted data transmission (HTTPS), secure authentication with 6-digit MPIN, and row-level security policies on our database. Your data is stored on secured cloud servers with access controls.

6. Data Retention

We retain your personal information for as long as your account is active and for a minimum of 7 years thereafter as required by financial regulations and for resolving disputes. You may request deletion of your account by contacting us.

7. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate data.
• Request deletion of your account (subject to legal obligations).
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us using the details on our Contact page.

8. Cookies

We use session cookies to maintain your login state and secure your session. We do not use tracking or advertising cookies.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page and updating the “Last updated” date.

10. Contact Us

For any privacy-related queries, please visit our Contact page.