Privacy Policy

1. Introduction

Xolopay ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our loan services.

By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and contact information (email, phone number)
• PAN number and Aadhar number
• Financial information (income, loan amount, CIBIL score)
• Employment and business details
• Property and collateral information

2.2 Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address and device information
• Browser type and version
• Pages visited and time spent
• Referring website

3. How We Use Your Information

We use the collected information for the following purposes:

• Process and evaluate loan applications
• Verify your identity and eligibility
• Communicate with you about your application
• Send important updates and notifications
• Improve our services and website
• Comply with legal and regulatory requirements

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

• Banks and Financial Institutions: To process your loan application
• Service Providers: For SMS, email, and communication services
• Legal Requirements: When required by law or government authorities
• Business Transfers: In case of merger, acquisition, or sale of assets

5. Data Security

We implement appropriate security measures to protect your personal information:

• Encryption of sensitive data
• Secure servers and networks
• Regular security audits
• Access controls and authentication

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal data
• Portability: Receive your data in a portable format
• Objection: Object to processing of your data

7. Communication Preferences

We may communicate with you through:

• SMS messages for OTP verification and updates
• Email for important notifications and documents
• WhatsApp for customer support and updates
• Phone calls for verification and support

You can opt-out of non-essential communications at any time.

8. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic
• Improve user experience
• Provide personalized content

You can control cookie settings through your browser preferences.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. Please review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new policy on our website
• Sending email notifications
• Updating the "Last updated" date

Your continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us: