Turant Loan (“we,” “us,” or “the Company”) provides digital lending services through our website and mobile application (together, the “Platform”). Lending may be facilitated in partnership with registered banks and non-banking financial companies (“Lending Partners”).

This Privacy Policy describes how we collect, store, use, process, and share personal information when you visit or use the Platform. We take the protection of your data seriously. By using our Services or giving consent where required, you agree that we may handle your personal information as described here.

Depending on how you use the Platform, we may collect the following categories of personal information:

• Identity information — such as your name, date of birth, gender, marital status, education, employment details, government-issued ID, and photographs
• Account information — such as login credentials, preferences, and activity linked to your profile
• Contact details — phone number, email, and residential or correspondence address
• Financial information — bank account details, statements, income, tax identifiers, and related records
• Account-aggregator data — financial information obtained through RBI-regulated account aggregator frameworks, where you authorise such access
• Transaction information — details of loan applications, repayments, and other activity on the Platform
• Credit information — scores and reports from credit bureaus or credit information companies, with your consent
• Marketing and communication preferences
• Technical data — IP address, browser type, device identifiers, and similar logs
• Usage data — how you navigate and interact with our Services
• Wellness or scan data — health-related parameters only where you choose to provide them for specific features
• SMS-related data — sender, message content, and timestamp, only where permitted and disclosed to you

We do not access device features beyond what we describe in this Policy. Camera, microphone, or location may be used only for onboarding, KYC, or fraud prevention after you give explicit permission.

We use personal information to:

• Create and manage your account
• Verify your identity and complete KYC
• Process loan applications and deliver our Services
• Communicate with you about your account and applications
• Authenticate transactions and prevent fraud
• Operate, secure, and improve the Platform
• Send service messages by SMS, phone, email, or WhatsApp
• Analyse usage to improve products and customer experience
• Meet legal, regulatory, and contractual obligations
• Conduct credit assessment and risk screening
• Detect money laundering and other unlawful activity
• Handle complaints and grievances
• Respond to security incidents and protect our systems
• Send marketing about relevant products, where permitted

As a loan service provider, we may share information with Lending Partners to evaluate and service your loan. Credit information is shared with third parties only when you authorise us to do so.