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Privacy Policy

Last Updated: February 2026

Your privacy is extremely important to us, and we are fully committed to protecting and respecting it. This Privacy Policy explains in detail how we collect, use, share, and safeguard your information when you engage with Pragathi Financial Solutions, a project operated by Pragathi IT Ads Pvt Ltd. By reading this policy carefully, you will better understand our practices relating to your personal information and how we handle it in connection with the financial solutions and loan facilitation services we provide.

SCOPE

Pragathi IT Ads Pvt Ltd (hereinafter referred to as “the Company”, “we”, “our”, or “us”) operates the project Pragathi Financial Solutions (hereinafter referred to as “the Service” or “the Platform”).

Pragathi Financial Solutions acts as a Financial Solutions Provider and Direct Selling Agent (DSA) in partnership with Banks and NBFCs, offering services such as Loan Solutions (Retail & Corporate), Corporate & SME Financing, Investment & Wealth-Linked Products, Financial Advisory, Documentation Support, and Digital Value-Added Services.

This Privacy Policy, read together with our Terms & Conditions and any other policies displayed on our Platform, outlines how we collect, use, disclose, and safeguard your personal and non-personal data. By registering with, signing up for, or using the Pragathi Financial Solutions Platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree with the practices described herein, you may choose not to use our services, though certain features of our Platform may then be restricted.

This document is deemed to be an electronic record under the Information Technology Act, 2000, and the Information Technology (Intermediaries Guidelines) Rules, 2011. No physical or digital signature is required to make this Privacy Policy valid and enforceable.

CHANGES TO THE PRIVACY POLICY

We may modify or update this Privacy Policy from time to time to reflect changes in our operations, evolving business practices, applicable laws, or regulatory requirements. Any updates will be published on our official website, and such updates will take effect as soon as they are posted. Continued use of our services after the publication of changes shall be considered your acceptance of the revised terms. We encourage you to check this page periodically to stay informed about how we are protecting your data.

PERSONAL INFORMATION WE COLLECT

“Personal Information” refers to any information that identifies you as an individual or relates to an identifiable person. We collect the following types of information:

  • Identity Details such as your name, date of birth, and gender.
  • Contact Information including phone number, email address, and postal address.
  • Financial Information including bank details, income proof, salary slips, tax records, and credit history.
  • Loan-related Documents such as property papers, collateral documents, KYC details, and photographs.
  • Employment/Business Information including occupation, employer details, and business financials (for corporate/SME loans).
  • Credit Score and repayment capacity reports (CIBIL/Experian/Equifax, etc.).

This information is collected to assess eligibility, recommend suitable financial products, and facilitate loan processing in partnership with banks and NBFCs.

COLLECTION OF PERSONAL INFORMATION

We collect personal information when you:

  • Fill out loan inquiry or application forms on our website.
  • Submit required documents for eligibility checks, underwriting, or loan disbursement.
  • Interact with our staff for advisory, documentation support, or financial counseling.
  • Use our online application or loan tracking system.
  • Communicate with us via email, phone, WhatsApp, or other digital channels.

USAGE OF PERSONAL INFORMATION

The personal information collected may be used for:

  • Loan Facilitation – Assessing eligibility, processing loan applications, and coordinating with banks/NBFCs.
  • Financial Advisory – Offering guidance on debt management, consolidation, or investment-linked products.
  • Documentation & Verification – Assisting with paperwork, KYC, and credit checks.
  • Communication – Sending important updates, service reminders, or loan-related notifications.
  • Enhancing Service Quality – Improving our advisory and loan facilitation process based on customer feedback.
  • Legal & Regulatory Compliance – Meeting obligations under RBI guidelines, banking laws, and Indian data protection regulations.

SHARING OF PERSONAL INFORMATION

To deliver services efficiently, we may share your information with:

  • Banks and NBFCs for processing loans, credit checks, and disbursement.
  • Credit bureaus for credit score verification.
  • Insurance companies for loan-linked insurance solutions.
  • FinTech partners for AI-driven eligibility and faster loan approvals.
  • Trusted third-party vendors providing operational or technical support.

We do not sell your personal information to third parties. Data sharing is strictly limited to service delivery and compliance requirements.

NON-PERSONAL INFORMATION WE COLLECT

We may also collect non-identifiable information, such as:

  • Browser type, device details, and IP address.
  • Website usage statistics like time spent, pages visited, and referral sources.
  • Technical data for optimizing our website and service quality.

This data is used to improve user experience, platform performance, and overall service efficiency.

COOKIES

Our website may use cookies to enhance browsing experience, remember preferences, and analyze traffic trends. Cookies do not directly identify users but help us personalize services. You may disable cookies via browser settings, though doing so may affect website functionality.

THIRD-PARTY LINKS & SERVICES

Our platform may contain links to external financial institutions, insurance companies, or fintech service providers. Each of these entities maintains its own privacy practices. We are not responsible for how they handle your information, and we encourage you to review their privacy policies before sharing details with them.

ACCESS, CORRECTION & DELETION OF INFORMATION

You have the right to access, update, or request deletion of your personal data. Please note:

  • Deleting certain data may limit our ability to provide services.
  • Some records must be retained to meet legal/regulatory obligations.

We will process such requests within a reasonable timeframe as per applicable laws.

SECURITY MEASURES

We employ strict safeguards to protect your data from unauthorized access, misuse, or accidental loss. These include encryption, secure servers, firewalls, restricted access, and compliance with IT security standards. While we strive for maximum protection, you acknowledge that no online platform can guarantee 100% security due to inherent internet risks.

WAIVER OF LIABILITY

Pragathi IT Ads Pvt Ltd shall not be held liable for indirect, incidental, or consequential damages resulting from unauthorized access, data loss, or reliance on third-party services linked to our Platform. By using our services, you accept these risks and waive claims to the fullest extent permitted by law.

QUERIES & COMPLAINTS

We are committed to addressing your concerns about privacy and data protection.