Privacy Policy

Last updated: 16 May 2026

Cx Loan ("we", "us", or "our") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect your information when you use our website and services.

In short: We collect only what's needed to match you with the right lenders. We never sell your data. We share it only with verified partners and only with your explicit consent.

1. Information We Collect

When you use Cx Loan, we may collect:

Identity information: Name, date of birth, gender, PAN, Aadhaar (last 4 digits for verification).
Contact information: Mobile number, email address, residential address, city, pincode.
Financial information: Monthly income, employment type, employer name, bank account details (for disbursal), existing credit obligations.
Loan application details: Type of loan, amount, tenure, purpose.
Device & usage data: IP address, browser, device type, pages viewed, session duration, cookies and similar tracking technologies.

2. How We Use Your Information

To process your application and match you with suitable lenders.
To verify your identity and creditworthiness with our partner lenders.
To communicate with you about your application, offers, and updates.
To improve our website, services, and user experience.
To comply with legal and regulatory requirements (RBI, KYC, AML laws).
To prevent fraud and ensure security.

3. Sharing Your Information

We may share your information with:

Partner lenders (RBI-registered banks and NBFCs) for loan evaluation and disbursal, only after your explicit consent.
Credit information companies (CIBIL, Experian, Equifax, CRIF) for credit checks and reporting.
Service providers (technology, payment, communication vendors) who help us operate, subject to confidentiality obligations.
Regulatory authorities and law enforcement when required by law.

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We use industry-standard security measures including 256-bit SSL encryption, secure servers, access controls, and regular security audits. All sensitive data is encrypted at rest and in transit. We are committed to compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act).

5. Your Rights

Under applicable data protection laws, you have the right to:

Access your personal information we hold about you.
Correct inaccurate or incomplete information.
Request deletion of your data (subject to legal retention requirements).
Withdraw consent for data processing (may affect service availability).
Lodge a complaint with the Data Protection Board of India.

To exercise these rights, email us at privacy@cxloan.info.

6. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyse usage, and serve relevant content. You can control cookie preferences through your browser settings. Disabling cookies may limit certain features.

7. Data Retention

We retain your data for as long as necessary to provide services, comply with legal obligations (typically 7-10 years for financial records as per RBI guidelines), resolve disputes, and enforce agreements.

8. Children's Privacy

Our services are not intended for users under 18 years of age. We do not knowingly collect data from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or website notice. Continued use of our services after changes constitutes acceptance.

10. Contact Us

For privacy-related queries or to exercise your rights:

Email: privacy@cxloan.info
Grievance Officer: grievance@cxloan.info