Privacy Policy - Ishika Capital

1. Information We Collect

We may collect personal identification information such as your full name, date of birth, gender, PAN card number, Aadhaar number, voter ID, phone number, email address, and residential address. Additionally, we may collect financial information including your bank account details, salary slips, income tax returns, credit history or score, employment or business details, and the purpose and amount of loan requested.
We also gather device and usage information such as your IP address, browser type and version, device details, cookies, and site usage logs to enhance your experience on our platform.

We use your information to assess your loan eligibility, process and disburse your loan application, verify your identity, and prevent fraud. Your data is also shared with our partner banks and NBFCs for loan underwriting purposes. Additionally, we may use your information to comply with regulatory requirements, to contact you with updates or offers (with your consent), and to enhance our website functionality and user experience.

We retain your personal data for as long as necessary to fulfill the purpose for which it was collected. We also store it to meet legal, regulatory, and internal policy obligations.

We may share your information with lending partners such as banks, NBFCs, and financial institutions for the purpose of processing your loan application. It may also be shared with third-party service providers for services like KYC verification, credit assessment, data storage, and analytics. We will share data with regulatory authorities as per legal requirements, and with our affiliate or group companies under strict confidentiality. We do not sell or rent your personal data to any third parties.

We employ stringent security measures to protect your information. This includes SSL encryption, secure data storage practices, access control mechanisms, and regular system audits. However, while we take every step to safeguard your data, please note that no online transmission method is 100% secure, and we cannot guarantee absolute security.

You have the right to access your personal data, request corrections or deletions of inaccurate information, withdraw consent (where applicable), and file complaints with the data protection authority if such an authority exists. To exercise any of these rights, you may contact us through the appropriate channels.

We use cookies to analyze website traffic, customize content and advertisements, and improve your overall experience. You can choose to manage or disable cookies through your browser settings.

Our website may include links to third-party websites. We are not responsible for the privacy practices or the content of those external websites. We recommend reviewing their respective privacy policies before sharing any personal information.

We may revise this Privacy Policy from time to time. Any updates will be posted on this page along with the revised “Effective Date.” Continued use of our services after changes have been posted will signify your acceptance of the updated policy.