Privacy Policy

Effective date: 15 October 2026
Last updated: 13 October 2026

1. Who we are and the scope of this policy

Tarini Networks Private Limited (“we”, “us” or “our”) operates Loan Connect, an Android application and the website https://loanconnectapp.com. The domain https://loanconnectapp.in redirects to that website. Our CIN is __________ and our registered office is 1190/1, 4th floor, 22nd Cross Road, Sector 3, HSR Layout, Bangalore 560102.

This policy explains the information we collect through Loan Connect, why we use it, who receives it and the choices available to you. Loan Connect helps you discover loans and, with your permission, passes referral information to the Lender you select before redirecting you to its website or app. We do not provide loans or perform the Lender’s loan onboarding.

The selected Lender handles its own application, KYC, credit assessment, loan documents, disbursement, servicing and recovery. Information you provide directly to it is covered by its privacy policy. Our responsibilities for information we collect or disclose are not removed by that separate relationship.

By using Loan Connect, you acknowledge this Privacy Policy. We obtain consent for collection and lender sharing where required and respect your choices. This policy should be read with our Terms of Service at https://loanconnectapp.com/terms-of-service.

In this policy, “Platform” means the Loan Connect app and websites described above; “Lender” means a participating NBFC you may choose for a referral; “personal information” means information about an identifiable individual, including linkable technical identifiers; and “applicable law” means the Indian laws and regulatory requirements relevant to the service, as amended and brought into force. This policy is maintained as an electronic record.

2. Information you provide

Our referral profile asks for your name, mobile number, date of birth, email address, gender, pincode, Permanent Account Number (PAN), employment details and income. We use these fields only for the purposes explained below and disclosed when they are requested. Required fields are identified in the relevant form, with an explanation of the effect of declining them. We collect these details when you register, complete or update your profile, or request a referral. We collect support information when you contact us and technical information when you use the Platform.

We use profile information to manage your account, assess apparent eligibility, show relevant Lenders and carry out the referral you authorise. Name and contact details identify your account and referral; date of birth supports age eligibility; pincode, employment and income help match your profile to available Lenders.

If you contact support or submit a complaint, we receive the content you choose to send and the contact information needed to respond. Please do not send Aadhaar copies, bank statements, account credentials, OTPs or other unnecessary documents to us.

We maintain records of lender selections, authorised referrals and consent or withdrawal requests to provide the service and document your instructions.

3. Information we do not request

Loan Connect does not request access to your contacts, SMS inbox, call logs, phone functions, precise device location, camera, microphone, photo library or files. We do not collect Aadhaar details, identity document images, selfies, biometrics, bank account details, bank statements or Account Aggregator data through our referral service. We do not obtain your credit score or credit report.

Entering a pincode is not permission to track your GPS location. Technical services may nevertheless receive an IP address, which can indicate an approximate region. A Lender’s separate app may request permissions or documents under its own notice; permissions granted there are not permissions granted to Loan Connect.

4. Technical data and service providers

Operating the Platform generates technical information such as IP addresses, timestamps, app or browser version, device and operating-system characteristics, account or installation identifiers, pages or screens visited, actions such as selecting a Lender, and error or diagnostic records. The exact collection depends on the services enabled. This information can be personal data even if it does not contain your name.

Our backend is hosted on Google Cloud Platform in India. We also use Firebase, Meta SDK and PostHog for the technical functions configured in the Platform, which may include service operation, diagnostics, analytics and attribution. These providers may receive device identifiers, usage events and technical information.

Provider privacy information is available at https://firebase.google.com/support/privacy, https://www.facebook.com/privacy/policy/ and https://posthog.com/privacy. Our use of providers remains subject to applicable data-protection and digital-lending requirements.

We may use cookies and similar technologies to operate the website, remember preferences and understand usage. You can manage cookies through your browser settings; disabling essential cookies may affect functionality. Where required, we obtain consent before using non-essential tracking.

5. Why we use information

We use information to operate your account; identify relevant Lenders; carry out authorised referrals; provide support; improve reliability and user experience; prevent fraud and security incidents; maintain necessary records; and comply with applicable law. Analytics and attribution are used only within the purposes and permissions applicable to those functions. We may also use genuinely anonymised, aggregated statistics to assess usage and improve the service. Merely removing a name, hashing a contact detail or using a device identifier does not make information anonymous.

Lender ordering reflects our estimate of the likelihood of obtaining a loan promptly for a user with your profile. It is not a credit score, loan approval or guarantee of the cheapest loan or fastest disbursal.

We do not use your referral profile to obtain credit reports, operate a loan account, collect repayments or undertake recovery. We do not send you our own promotional communications. Any new purpose requiring consent will be explained before the information is used for that purpose.

We may send account-verification, security, support and legal or policy-update notices through the Platform or your registered contact details. Loan Connect does not send promotional communications. Necessary service notices may continue while you use the service or where required by law; contact support about your preferences or account closure.

Before a referral, we show the selected Lender’s identity, the information to be shared and the purpose of sharing. We share only the fields necessary for that referral and covered by your specific consent. We do not distribute your profile to all participating Lenders merely because you created an account or viewed a listing.

The selected Lender may use the referral details to respond to your loan enquiry and enable you to continue its application journey. Once it receives your information, its own privacy notice, consent process and legal obligations apply to its subsequent use and retention. Please consult the selected Lender’s website for its privacy policy and grievance contacts.

The Lender you select may contact you about your enquiry and send offers through its own channels, subject to its privacy notice, your communication preferences and applicable consent requirements. Use its opt-out channels to stop promotional contact. Our support team can help route referral-related requests; we cannot erase records a Lender independently needs to retain under law.

Links may take you to lender or other third-party websites and apps with their own privacy practices. Read the relevant notice before submitting information there. We do not control those independent services; our responsibility for information we collect or disclose remains governed by applicable law.

7. Other permitted disclosures

We may share limited information with providers supporting hosting, authentication, necessary communications, customer support, security, analytics and attribution. Such access is limited to the relevant service and subject to appropriate confidentiality, security and applicable legal requirements.

We may disclose necessary information to regulators, courts, law-enforcement agencies or other authorised recipients where required by law, or to advisers to the extent lawfully necessary to address a specific legal matter. We will not treat a general request from an unrelated party as permission to disclose your profile.

If the business undergoes a merger or transfer, any transfer of personal data must follow applicable law, appropriate confidentiality safeguards and necessary notices or consents. It does not permit an undisclosed new purpose.

Consent for the collection, use and selected-lender sharing described here remains valid for 12 months from the date it is given, unless withdrawn earlier or the stated purpose ends sooner. It does not authorise sharing with a lender you have not selected or a new purpose. We will seek fresh consent where required after expiry.

You may decline to provide information, request access or correction, or withdraw consent by contacting support@loanconnectapp.com. If necessary information or consent is unavailable, we may be unable to provide the affected service. We may reasonably verify account ownership before acting on a request. Please keep your profile accurate and provide only information belonging to you. Do not disclose authentication codes or account credentials to others.

You may withdraw consent by emailing support@loanconnectapp.com with the subject “Removal of Consent”. We will process a valid withdrawal request within 72 hours and communicate it to the relevant selected Lenders. Withdrawal does not affect prior lawful processing, existing loan obligations or records required by applicable law.

9. Where information is stored

Our application backend stores information in Google Cloud infrastructure located in India. Access to data is limited to authorised people and providers for the purposes described in this policy.

Third-party providers may process information in locations outside India where permitted by applicable law. Any such processing must comply with applicable localisation, transfer and deletion requirements. This policy does not authorise a transfer prohibited by law.

10. How long we retain information

We retain personal information for as long as necessary for the purposes described in this policy and as required or permitted by applicable law. Retention depends on the nature of the record, the service provided and any legal or regulatory obligation. Consent validity is not a minimum retention period.

When information is no longer needed, or you make a valid deletion or withdrawal request, we delete or anonymise it unless a specific legal obligation or lawful preservation requirement applies. We process account-deletion requests within 7 working days as explained in section 11.

PAN and other profile information are collected and retained only to the extent necessary and permitted for our referral service under applicable law and the relevant lender arrangement. A Lender’s obligation to retain its loan records does not automatically apply to our entire referral profile.

Applicable ICT-system security logs are retained in India for at least the rolling period required by law, currently 180 days. Longer preservation may apply where specifically required by law or an authorised direction.

Consent, referral, complaint and accounting records may be retained where needed to meet applicable legal or regulatory obligations or a lawful preservation requirement. Retained records are restricted to those purposes and removed when the requirement ends.

Residual copies in restricted backups are removed through the regular backup lifecycle, subject to applicable law. They are not used for routine matching or marketing. Necessary deletions are reapplied if a backup is restored.

Lenders handle information they independently hold under their own policies and applicable law. Where retention is required following deletion, we retain only the necessary records.

11. Account deletion

You can request deletion through the account-deletion option in the app, through https://loanconnectapp.com/delete-account without reinstalling the app, or by emailing support@loanconnectapp.com. We process valid requests within 7 working days after reasonable verification of account ownership, subject to section 10. We arrange deletion by providers acting for us where applicable. Deleted account data cannot be restored for continued use.

Uninstalling the app does not itself delete your account. Deletion from Loan Connect does not cancel a loan, erase a Lender’s records or end a repayment obligation. Any legal retention exception concerns only the necessary records; it is not a reason to keep your entire profile available for normal use.

12. Security and incident handling

We take reasonable technical, organisational and administrative measures to protect personal information against unauthorised access, disclosure, alteration and loss. Access is limited to authorised people and service providers with a legitimate need. No internet service can guarantee absolute security. Records are treated as confidential and disclosed only for the purposes and to the recipients described in this policy or as required by law.

If we identify a security incident, we investigate, contain it and take corrective action. We notify affected users, relevant Lenders and authorities where required by applicable law and our obligations. Report a suspected incident to support@loanconnectapp.com. Please do not include your full PAN or authentication codes in an initial report.

13. Children

Loan Connect is intended for people aged 18 or older. We do not knowingly provide the service to children or knowingly collect their information for loan referrals. If you believe a child has submitted information, contact support@loanconnectapp.com so that we can investigate and remove it where required.

14. Privacy questions and complaints

Privacy contact: Support team — support@loanconnectapp.com

Nodal Grievance Redressal Officer: Sajal Khanna

Email: support@loanconnectapp.com

Telephone: +91 8217025159

Postal address: 1190/1, 4th floor, 22nd Cross Road, Sector 3, HSR Layout, Bangalore 560102

We aim to respond to complaints within 72 hours and resolve them within 30 days, or any shorter applicable legal period. For lender-related complaints, we can help direct the issue to the relevant grievance officer. The escalation process is described in our Terms of Service at https://loanconnectapp.com/terms-of-service.

You may approach the competent authority or forum available under applicable law.

15. Updates to this policy

We may update this policy and publish the revised version with an updated date. Material changes will be notified through the Platform or your registered contact details. We obtain fresh consent where required for a new purpose or disclosure. The revised version replaces earlier versions from its stated effective date without retrospectively expanding the purposes of an earlier consent.

Indian law governs this policy. The jurisdiction and statutory-rights provisions in section 15 of our Terms of Service at https://loanconnectapp.com/terms-of-service also apply to disputes about this policy. You retain access to any competent statutory authority, consumer forum or court available under applicable law.

The platform disclaimers and liability provisions in sections 6, 10 and 11 of the Terms, the misuse indemnity in section 16, and the confidentiality and court-remedy provisions in section 17 apply according to their scope. They do not excuse a breach of our data-protection duties, turn a privacy request into misconduct or restrict rights that cannot lawfully be excluded. This policy governs our disclosed data practices if a general platform clause could otherwise be read more broadly.