Privacy Policy
Operated by M.S. Loan Guru Private Limited
Effective Date: 1st May 2025  |  Last Updated: April 2025
Website: loanguru.in  |  Email: support@loanguru.in

IMPORTANT: LoanGuru is a purely educational financial literacy platform. We do NOT provide, facilitate, or process any loans. We do NOT act as a lender, broker, or Direct Selling Agent (DSA). No financial transactions take place within this app.

1. Introduction
Welcome to LoanGuru (“App”), developed and operated by M.S. Loan Guru Private Limited (“Company”, “we”, “us”, or “our”). LoanGuru is a free financial literacy application designed to help users understand loans, insurance, banking, and personal finance through educational articles, guides, and tools.
This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our App or visit our website at loanguru.in. By using LoanGuru, you agree to the practices described in this policy.

2. Scope of This Policy
This Privacy Policy applies to:
• The LoanGuru mobile application (Android)
• The LoanGuru website: loanguru.in
• Any content, features, or services offered through the above platforms
This policy does NOT apply to third-party websites, apps, or services that may be linked from our platform. We encourage you to read the privacy policies of any third-party services you visit.
 
3. Information We Collect
3.1 Information You Provide to Us
When you register or use certain features of the App, we may collect:
• Full name
• Mobile phone number
• Email address
• Support queries or messages you send to us
 
3.2 Information We Do NOT Collect
LoanGuru does not collect, store, or process any of the following:
• Aadhaar number or any government-issued ID numbers
• PAN (Permanent Account Number) details
• Bank account or credit/debit card information
• Loan application data or financial transaction details
• Credit scores or financial history
• Income or employment documents
 
3.3 Automatically Collected Information
When you use the App, we may automatically collect limited technical data including:
• Device type and operating system version
• App usage data (screens visited, time spent)
• Crash reports and error logs (for app improvement)
• Approximate location (city/region level, if permission granted)
 
4. How We Use Your Information
We use the information collected solely for the following purposes:
• To create and manage your learning profile within the App
• To send you educational content, financial literacy updates, or important notices
• To respond to your support queries or feedback
• To improve the App’s features, content, and performance
• To comply with applicable legal and regulatory obligations
We do NOT use your information to connect you with lenders, process loan applications, or facilitate any financial transactions.
 
5. Web Content & Forms
Some pages within the App may load educational content from our website loanguru.in via WebView. Any contact or inquiry forms available on the website are intended solely for users who wish to seek educational guidance or general information about financial topics.

** Any information submitted through forms on loanguru.in is used only to respond to educational inquiries. We do NOT use submitted data for loan processing, lead generation for lenders, or any financial transaction purposes.
 
6. Data Sharing & Disclosure
We respect your privacy. We do NOT sell, rent, trade, or share your personal information with third parties for commercial or marketing purposes.
We may share limited information only in the following circumstances:
• With our trusted technology/service providers (e.g., hosting, analytics) who are contractually bound to keep data confidential
• When required by law, court order, or government authority
• To protect the rights, property, or safety of LoanGuru, its users, or the public
 
7. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes described in this policy, or as required by applicable law. You may request deletion of your account and associated data at any time by contacting us at support@loanguru.in.
 
8. Data Security
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction. These include:
• Secure server infrastructure
• Encrypted data transmission (HTTPS/SSL)
• Access controls and authentication mechanisms
• Regular security assessments
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.
 
9. Children’s Privacy
LoanGuru is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe your child has provided us with personal information, please contact us immediately at support@loanguru.in and we will take steps to delete such information.
 
10. Your Rights
As a user of LoanGuru, you have the right to:
• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your account and personal data
• Withdraw consent for data collection at any time
• Lodge a complaint with the relevant data protection authority
To exercise any of these rights, please contact us at support@loanguru.in. We will respond to your request within 30 days.
 
11. Cookies & Tracking Technologies
Our website (loanguru.in) may use cookies and similar tracking technologies to enhance your browsing experience, analyse site traffic, and understand user behaviour. You can control cookie settings through your browser preferences. Disabling cookies may affect some website functionality.
 
12. Third-Party Links
The App or website may contain links to external websites or resources for educational purposes. LoanGuru is not responsible for the privacy practices, content, or security of those third-party websites. We encourage you to review the privacy policies of any website you visit.
 
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will:
• Update the “Last Updated” date at the top of this document
• Notify users through the App or via email where appropriate
Continued use of the App after such changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.
 
14. Governing Law & Jurisdiction
This Privacy Policy is governed by the laws of India, including the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. Any disputes shall be subject to the exclusive jurisdiction of the courts in India.
 
15. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

M.S. Loan Guru Private Limited
App: LoanGuru
Website: loanguru.in
Email: support@loanguru.in

** Summary: LoanGuru collects only your name, email, and phone number to create your learning profile. We do not collect financial data, do not share your data for commercial purposes, and do not use your information for any loan-related activity. You are always in control of your data.