1. Introduction
LoanBerg ("LoanBerg", "we", "us", or "our") is a venture of Yojith Business Solution. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website, use our online tools, or engage with us to explore a home loan or personal loan.
By using our website or sharing your information with us, you agree to the practices described in this Policy. If you do not agree with any part of this Policy, we would ask that you not share your personal information with us or use our services.
2. Who we are
LoanBerg operates as a Direct Selling Agent (DSA) and channel partner for banks and non-banking financial companies (NBFCs). We help you prepare, structure, and route a loan application to a lender on our partner panel. We do not sanction, disburse, or hold loans ourselves — every approval, interest rate, and term is at the sole discretion of the partner lender you are eventually connected with.
3. Information we collect
Depending on how you interact with us, we may collect the following categories of information:
- Identity and contact details — name, phone number, city, and similar details you share through our enquiry forms, chat tools, or WhatsApp.
- Financial and eligibility information — income range, employment type, existing obligations, and property or loan requirement details you provide to help us match you with a suitable lender.
- Documents you choose to share — identity proof, address proof, income proof, property documents, and similar files submitted during the application process.
- Usage and device information — pages visited, time spent, browser type, and approximate location, collected automatically through standard web analytics.
- Communication records — messages exchanged with our team through the website, chat assistant, or WhatsApp, kept to maintain continuity of service.
4. How we use your information
We use the information we collect to:
- Understand your loan requirement and match it to a suitable lender on our banking panel;
- Prepare and structure your application, including clearing documentation gaps before submission;
- Communicate with you about the status of your enquiry or application;
- Improve our website, tools, and the overall experience of working with us;
- Meet our legal, regulatory, and audit obligations as a DSA; and
- Detect and prevent fraud, misuse, or activity that could harm you or us.
We do not sell your personal information to third parties for their independent marketing use.
7. Data storage & security
We take reasonable administrative and technical measures to protect the information you share with us from unauthorised access, alteration, or misuse. However, no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security.
8. Data retention
We retain your personal information for as long as necessary to fulfil the purposes described in this Policy, to comply with our legal and regulatory obligations as a DSA, and to resolve disputes if any arise. Information that is no longer needed is either deleted or anonymised in the ordinary course of our data hygiene practices.
9. Your rights & choices
You may, at any time, ask us to:
- Confirm what personal information we hold about you;
- Correct information that is inaccurate or incomplete; or
- Withdraw your consent to further contact, subject to any ongoing application already in progress with a partner lender.
You may exercise these choices through the enquiry form or chat options available on our website.
10. Third-party websites & links
Our website may link to lender websites, payment gateways, or other third-party services. This Policy does not extend to those external sites, and we encourage you to review their respective privacy policies before sharing any information with them.
11. Children's privacy
Our services are intended for individuals who are at least 18 years of age and legally capable of entering into a loan agreement. We do not knowingly collect personal information from minors.
12. Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. The "Last updated" date at the top of this page will reflect the most recent revision. We encourage you to review this page periodically.
13. Grievance redressal
If you have a question or concern about how your information is handled, you can reach us through the enquiry form or the WhatsApp option available across our website. We aim to acknowledge and address genuine concerns within a reasonable timeframe.