About this Privacy Policy

This Privacy Policy describes how Urgent Mudra may collect, process, use and protect personal information provided by users while accessing our website, submitting an enquiry, applying for a loan or using related services.

By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the practices described herein, subject to applicable law.

Information We May Collect

We may collect information that you voluntarily provide to us when you use our website, contact us, submit an application or otherwise interact with our services.

• Full name and contact information
• Mobile number and email address
• PAN and applicable KYC information
• Date of birth and demographic information
• Address, city, state and PIN code

Loan & Financial Information

When you apply for or enquire about a financial product, additional information may be collected as reasonably necessary to assess eligibility, process the application, conduct verification and provide the requested services.

This may include employment information, income details, requested loan amount, bank account information and other information relevant to the applicable financial product.

Technical Information

When you access our website, certain technical information may be automatically collected, such as IP address, browser type, operating system, device type, pages visited, approximate usage information and technical logs.

Why We Collect Information

Information may be used to respond to enquiries, process applications, perform verification, provide requested services, communicate with users, maintain records and comply with applicable legal and regulatory obligations.

Processing Your Application

Information submitted through a loan application may be processed for eligibility assessment, identity verification, credit assessment, fraud prevention, underwriting and other activities necessary for processing the applicable application.

Calls, SMS & Emails

We may use your contact information to send service-related communications, application updates, repayment reminders, verification requests and other communications related to your interaction with our services.

Third-Party Service Providers

We may engage trusted service providers for technology, hosting, communication, analytics, verification, payment processing, customer support and other operational functions.

Such providers may process information only to the extent necessary to perform their services and subject to applicable contractual and legal requirements.

Sharing With Relevant Partners

Where applicable and subject to your consent and applicable law, information may be shared with relevant lending or financial service partners for the purpose of evaluating, processing or servicing a financial product.

Disclosure Required by Law

We may disclose information where required or permitted by applicable law, regulation, court order, government authority or lawful request, or where disclosure is reasonably necessary to protect our legal rights.

Data Security

We use reasonable technical, administrative and organizational safeguards designed to protect personal information against unauthorized access, misuse, alteration, disclosure or destruction.

Cookies & Similar Technologies

Our website may use cookies and similar technologies to remember preferences, understand website usage, improve functionality and help us provide a better user experience.

Website Analytics

We may use analytics technologies to understand general website traffic, user interactions, page performance and technical issues. Such information may help us improve our website and services.

Accuracy of Information

Users are responsible for providing accurate, complete and current information. Providing false, misleading or unauthorized information may affect application processing and may have other consequences under applicable law.

Protecting Your Credentials

Users should keep passwords, OTPs, PINs, verification codes and other confidential credentials secure and should not disclose them to unauthorized individuals.

How Long We Keep Information

Personal information may be retained for as long as reasonably necessary for the purposes for which it was collected, including legal, regulatory, accounting, dispute resolution, fraud prevention and record-keeping purposes.

Your Privacy Rights

Subject to applicable law, users may have rights relating to access, correction, updating or deletion of certain personal information and may raise privacy-related concerns through the appropriate channels.

Promotional Communications

Where applicable, promotional communications may be sent based on your preferences and applicable consent requirements. You may request to stop receiving promotional communications subject to applicable terms.

External Websites

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content or security of websites that we do not control. Users are encouraged to review their respective privacy policies.

Children's Privacy

Our services are not intended for individuals who are not legally eligible to enter into financial arrangements. We do not knowingly seek to collect personal information from children for financial services.

Fraud & Security Monitoring

Information may be processed to detect, investigate and prevent fraudulent activity, unauthorized transactions, security incidents, misuse of services and other potentially harmful activities.

Business Transfers

If our business or certain assets are reorganized, transferred, merged or acquired, personal information may be transferred as part of the relevant transaction, subject to applicable law and appropriate safeguards.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements or operational practices. Updated versions will be published on this page with the revised date.