This Privacy Policy (the "Policy") is designed to comply with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and relevant RBI guidelines and regulations. It outlines how Highandloans ("We," or "Us") collects, uses, stores, and discloses information gathered from you ("You," "Your," or "User") when you visit and use our online platform.
This Policy forms a legal agreement between you, the user of the Platform, and Highandloans, the Platform's owner. To use the Platform's services, you must be a natural person, a citizen of India, and at least eighteen (18) years old.
By accessing the Platform and voluntarily providing information, including personal and sensitive personal information, you consent to our use of that information in accordance with this Policy.
We may update this Policy periodically. Any changes will be effective immediately upon posting on the Platform. Continued use of the Platform's services signifies your acceptance of the updated Policy.
If you do not agree with this Policy or any part of it, please refrain from using, accessing, downloading, or installing the Platform or any of its components.
I. Collection and Storage of Personal Information
Highandloans securely stores personal information collected from users on servers located in India. We implement reasonable measures to protect the accuracy and security of this information against loss, theft, unauthorized access, disclosure, alteration, or misuse. You acknowledge that no data transmission over the Internet can be guaranteed to be completely secure.
II. Personal Information Collected
Highandloans, a Digital Fintech Marketplace, partners with RBI-approved lenders to facilitate their lending services. With your explicit consent, we collect information to process your loan application, including:
- Registration details: name, email, date of birth, mobile number, and address with PIN Code
- Educational background and employment details
- Income information and salary account details
- KYC documents and verification data
- Additional information required by RBI-approved lenders
We do not access your files, media, contacts, call logs, or biometric data beyond what is clearly described in our application process.
III. Disclosure and Sharing of Personal Information
A. With Lending Partners
We share your personal information with our RBI-approved lenders to process your application, only after obtaining your explicit consent.
B. Marketing and Promotional Purposes
By registering on the Platform, you authorize Highandloans to send you service updates and promotional offers via text messages and email, in accordance with applicable laws. To withdraw consent, contact us at support@Highandloans.in.
C. Disclosure to Third Parties
We do not share your personal information with third parties for commercial purposes that conflict with this Policy, except as necessary for the purposes outlined herein.
IV. Right to Withdrawal of Consent
Highandloans respects your rights over your Personal Information. You may request deletion of your personal information at any time by contacting us at support@Highandloans.in.
V. Data Security
Highandloans is committed to safeguarding your personal information and employs industry-standard security measures. You are responsible for maintaining the confidentiality of your login credentials.
VI. Grievance Redressal Mechanism
Highandloans has designated a Grievance Redressal Officer to handle customer complaints related to digital lending. Contact details:
Address: Unit 1241A, 12th Floor, Gaur City Mall, Greater Noida West, Sector 4, Uttar Pradesh, 201301
Email: support@Highandloans.in
Please allow us 48–72 hours to address and resolve your complaint.
VII. Amendment of Privacy Policy
This Privacy Policy may be updated at the sole discretion of Highandloans. We recommend that you regularly review this page for any updates.
VIII. Jurisdiction and Governing Laws
Any disputes arising from this Policy will fall under the exclusive jurisdiction of the courts in Uttar Pradesh, India.