Privacy Policy
At Zetbanker.com, we value your privacy and are committed to protecting the personal and financial information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our consultancy services for loan applications. Please take the time to read this policy carefully to understand how your personal information will be handled.
1. Information We Collect
We collect various types of information to help assess your eligibility for personal and business loans and provide appropriate recommendations. The information we may collect includes:
1.1 Personal Information
When you use our services, we collect personal information necessary to assess your eligibility for personal and business loans and provide tailored consultancy services. The personal information we collect may include your full name, contact details such as your phone number and email address, residential or business address, date of birth, and government-issued identification documents like Aadhar card, passport, or voter ID. This information is used primarily for the purpose of verifying your identity and ensuring that your loan application is processed accurately.
We may also request additional details to understand your financial background and needs, which helps us make appropriate recommendations for loan products. We take great care to safeguard your personal information and use it solely for the purpose of offering our services to you, such as determining loan eligibility, offering consultancy, and facilitating communication with lenders. By sharing this personal information with us, you consent to its collection and use as described in this Privacy Policy.
1.2 Financial Information
In order to accurately assess your eligibility for a personal or business loan, we collect various financial details that provide a complete picture of your financial standing. This includes, but is not limited to, your income details, such as salary, business income, or other sources of earnings. We may also gather information regarding your monthly expenses, debts, liabilities, and any existing loans or credit facilities you currently hold. Additionally, we may request access to your bank account details, credit card statements, and other financial records that help evaluate your repayment capacity and financial health.
Your credit score and history are also important components of the financial information we collect, as they allow us to understand your creditworthiness and recommend loan options accordingly. This information is critical in ensuring that we suggest loan products that align with your financial capabilities and goals. We treat this financial information with the highest level of confidentiality and use it exclusively for the purpose of evaluating your eligibility, facilitating the loan process, and providing personalized financial recommendations. Rest assured, all data collected will only be shared with relevant financial institutions when necessary for the loan application process.
1.3 Professional Information
In addition to personal and financial information, we also collect professional details that are essential for evaluating your eligibility for business loans or personal loans based on your employment status. This information typically includes your current job title, employer details, employment history, and the duration of your employment. If you are a business owner, we may request additional professional information such as the name of your business, the nature of the business, annual turnover, business registration details, and other relevant documents that help assess the financial stability and growth potential of your business.
For individuals applying for business loans, we may also request specific information about the company’s financial performance, including profit and loss statements, balance sheets, and other financial documents that demonstrate the business's ability to repay any loans. This professional information is vital for us to understand your work or business situation, as it helps us offer better loan recommendations that align with your career and financial goals. We treat all professional information with strict confidentiality and use it only for the purpose of helping us match you with the most suitable loan options available through our lending partners.
2. How We Use Your Information
We use your personal and financial information for the following purposes:
- Eligibility Assessment: To determine your eligibility for various loan products offered by financial institutions, including banks and NBFCs.
- Loan Consultancy: To provide personalized recommendations regarding the best loan options based on your financial profile and needs.
- Processing Loan Applications: To assist in processing loan applications by verifying your details and sharing the required information with financial institutions.
- Communication: To communicate with you regarding your loan application, provide updates, respond to inquiries, and send important notices related to our services.
- Improvement of Services: To improve our services, website functionality, and user experience.
3. Data Sharing and Disclosure
We may share your personal and financial information with third parties, including financial institutions (banks and NBFCs), as required to process your loan application. We only share information that is necessary for these third parties to evaluate your eligibility and provide you with relevant loan options.
We do not sell or rent your personal information to third parties. We may, however, share your information in the following situations:
- With Your Consent: When you have given us explicit permission to share your data with lenders or other relevant parties.
- Legal Requirements: If we are required to do so by law or regulation, or to protect the rights, property, and safety of ZetBanker, our clients, or others.
- Service Providers: We may share your information with trusted service providers who assist us in offering our services, such as payment processors, marketing agencies, and IT support companies. These service providers are bound by confidentiality agreements.
4. Data Security
We take appropriate security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include the use of encryption, firewalls, secure servers, and other security technologies. However, please note that no method of data transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee the absolute security of your information.
5. Retention of Your Information
We retain your personal and financial information only for as long as necessary to fulfill the purposes for which it was collected, including the processing of your loan application. We may also retain your data for legal, accounting, or regulatory purposes as required by law. Once your data is no longer needed, we will securely delete or anonymize it.
6. Your Rights and Choices
You have the following rights regarding your personal information:
- Access: You may request access to the information we hold about you and ask for a copy of that information.
- Correction: You may request that we correct any inaccurate or incomplete information about you.
- Deletion: You may request the deletion of your personal data, subject to any legal or contractual obligations we may have to retain it.
- Opt-Out: You may choose to opt out of receiving marketing communications from us by following the unsubscribe instructions in the communication or by contacting us directly.
To exercise these rights, please contact us using the details provided in the "Contact Us" section below.
7. Cookies and Tracking Technologies
Our website may use cookies and other tracking technologies to enhance your user experience. Cookies are small files stored on your device that help us remember your preferences, analyze website traffic, and customize content based on your interests. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our website.
8. Third-Party Links
Our website may contain links to third-party websites, such as the financial institutions we partner with. These websites have their own privacy policies and practices, and we do not accept responsibility for their content or privacy practices. We encourage you to review their privacy policies before submitting any personal information.
9. Children's Privacy
Our services are not intended for children under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child, we will take steps to delete it.
10. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated revision date. Your continued use of our services after any changes to this Privacy Policy will be deemed acceptance of those changes.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:
ZetBanker
support@zetbanker.com