1) Scope

This Privacy Policy applies to personal data collected via https://sanayagrowsolutions.com/ (the “Website”) and in connection with our services (“Services”). It does not cover third-party websites or services we do not control.

2) Information We Collect

We may collect the following categories of personal data (“Personal Data”):

• Identity & Contact: Name, date of birth/age, mobile number, email, address, city, state, PIN, KYC identifiers (PAN, Aadhaar, Passport, Voter ID) as required by law.
• Financial & Employment: Employment status (salaried / self-employed), employer or business details, income, salary slips, ITR, bank statements, existing loan details.
• Technical & Usage: IP address, device and browser information, pages visited, timestamps, referring URLs, and cookies or similar technologies (see Cookies section).
• Sensitive Data: We do not intentionally collect sensitive personal data unless legally necessary, in which case we obtain additional consent.

3) How We Use Your Data

• Assess eligibility and facilitate your loan application, including sharing data with partner banks/NBFCs/KYC agencies.
• Communicate regarding your application, Services, offers, and updates via call, SMS, email (including DND/DNC numbers unless you withdraw consent).
• Prevent fraud, conduct risk, compliance, audit, and record-keeping activities.
• Provide customer support and respond to inquiries or grievances.
• Improve and personalize the Website and Services, including analytics and service enhancement.
• Comply with applicable laws and regulations (including IT Act 2000 and SPDI Rules 2011).

4) Consent & Contact Permissions

By submitting your details on our Website or otherwise engaging our Services, you consent to our processing of your Personal Data for the purposes stated in this Policy, and authorize us and our partners to contact you via phone, SMS, email, and messaging platforms for service updates, offers, and promotions. You may withdraw consent at any time (see “Your Rights”).

5) Information Sharing & Disclosure

• Service Delivery: We share necessary data with partner banks/NBFCs, KYC/verification agencies, credit bureaus, analytics and technology vendors strictly to provide the Services.
• Legal: We may disclose information when required by law, regulation, legal process, or government request.
• Business Transfers: In case of merger, acquisition, or reorganization, Personal Data may be transferred to the successor entity subject to this Policy.
• No Sale: We do not sell or rent Personal Data to unaffiliated third parties for their marketing without your explicit consent.

6) Cookies & Tracking Technologies

We use cookies, pixels, and similar tools to operate the Website, measure performance, and personalize content or promotions. You may disable cookies in your browser; certain features may then be unavailable or function sub-optimally.

7) Data Retention

We retain Personal Data only as long as necessary for the purposes described in this Policy and to comply with legal, accounting, or reporting requirements. Typically, application records are retained for up to six (6) years from closure/disbursal unless a longer period is mandated by law. Upon withdrawal of consent or end of relationship, we will delete or anonymize data within a reasonable period, subject to legal obligations.

8) Your Rights

• Access a copy of your Personal Data and request portability where feasible.
• Request correction of inaccurate or incomplete information.
• Withdraw consent at any time (may affect our ability to provide Services).
• Request restriction, objection to processing, or deletion (“right to be forgotten”) where applicable.
• File a complaint with the competent data protection authority.

To exercise your rights, contact us at support@sanayagrowsolutions.com.

9) Security Measures

• Encrypted transmission over TLS/HTTPS.
• Role-based access controls and least-privilege principles.
• Servers behind firewalls in secure data centers.
• Monitoring, logging, and periodic security reviews.

While we use reasonable safeguards, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of data in transit or at rest.

10) Third-Party Links

Our Website may link to third-party websites or services. Their privacy practices are governed by their own policies. Please review those policies before providing any personal information.

11) Changes to This Policy

We may update this Policy from time to time. The “Last updated” date at the top indicates the most recent revision. Your continued use of the Website or Services after changes constitutes acceptance of the updated Policy.