Privacy Policy

1. Introduction

Altiora Capital Solution Private Limited ("we," "our," or "the Company") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website altioracapitalsolution.com and use our products, including PaisaOnClick and Dhana.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, date of birth, PAN, Aadhaar (as required by applicable regulations), address, and employment details.
• Financial Information: Income details, bank account information, credit history, and loan-related data necessary for processing lending applications.
• Technical Information: IP address, browser type, device information, operating system, and usage data collected through cookies and similar technologies.
• Communication Records: Correspondence, support tickets, and feedback you provide to us.

3. How We Use Your Information

• To process and facilitate loan applications and lending services.
• To verify your identity in compliance with KYC/AML regulations.
• To match borrowers with appropriate lending partners.
• To improve and personalize our products and services.
• To communicate with you regarding your account, applications, and updates.
• To comply with legal and regulatory obligations.
• To detect and prevent fraud or unauthorized access.

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information with:

• Lending Partners: Banks and NBFCs to process your loan applications, with your consent.
• Service Providers: Third-party vendors who assist with technology infrastructure, analytics, and customer support.
• Regulatory Authorities: Government bodies and regulators as required by applicable Indian law.
• Legal Requirements: When required to comply with legal processes, enforce our policies, or protect rights and safety.

5. Data Security

We implement industry-standard security measures including encryption, access controls, and secure infrastructure to protect your personal information. All sensitive data is encrypted both in transit and at rest. We regularly audit our security practices and infrastructure to ensure the highest level of protection.

6. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer required, it is securely deleted or anonymized.

7. Your Rights

Subject to applicable law, you have the right to:

• Access and review the personal data we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal data, subject to legal requirements.
• Withdraw consent for data processing where applicable.
• Lodge a complaint with the relevant data protection authority.

8. Cookies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand user behaviour. You can manage cookie preferences through your browser settings.

9. Third-Party Links

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

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: