Adarsh Patsanstha (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and store your personal information when you use our website (the “Website”).

Information We Collect

We collect two main types of information about you when you use the Website:

  1. Personal Information: This information can identify you as an individual and may include:
    • Name
    • Email address
    • Phone number
    • Mailing address
    • Date of birth (for loan applications)
    • Government identification details (for loan applications)
    • Financial information (for loan applications)
    • Any other information you choose to provide us through the Website, such as inquiries or feedback
  2. Usage Data: This information is collected automatically when you use the Website and may include:
    • IP address
    • Browser type
    • Operating system
    • The pages you visit on the Website
    • Date and time of your visit
    • Referring URL (the website you came from)

Cookies and Other Tracking Technologies

We may use cookies and other tracking technologies to collect information about your activity on the Website. Cookies are small files that are downloaded to your device when you visit a website. They can be used to store data, such as your preferences or browsing history.

We may use the following types of cookies:

  • Essential Cookies: These cookies are necessary for the Website to function properly. They allow you to navigate the Website and use its features.
  • Analytics Cookies: These cookies collect information about how you use the Website, such as the pages you visit and the links you click. We use this information to improve the Website and our services.
  • Advertising Cookies: These cookies may be used to deliver targeted advertising to you on our Website or on third-party websites.

You can disable cookies by adjusting the settings on your browser. However, disabling cookies may limit your ability to use certain features of the Website.

How We Use Your Information

We use the information we collect for the following purposes:

  • To process your loan applications and provide you with our financial services.
  • To respond to your inquiries and requests.
  • To send you important information about our products, services, and legal updates (with your consent).
  • To improve the Website and our services.
  • To personalize your experience on the Website.
  • To comply with legal and regulatory requirements.

Disclosure of Your Information

We may disclose your information to third-party service providers who help us operate the Website and provide our services. These service providers are contractually obligated to keep your information confidential and secure. We will only disclose your information to these third-party service providers for the purposes described in this Privacy Policy.

We may also disclose your information if we are required to do so by law or in the good faith belief that such disclosure is necessary to:

  • Protect our rights or the rights of others.
  • Comply with a court order, subpoena, or other legal process.
  • Investigate potential fraud or other wrongdoing.

Your Choices

You have choices regarding your personal information:

  • Marketing Communications: You can choose to opt out of receiving marketing communications from us by following the unsubscribe instructions in those communications. You can also contact us to opt out.
  • Access and Correction: You have the right to access and correct your personal information. You can request a copy of your personal information or request that we correct inaccurate information by contacting us.
  • Data Retention: We will retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

Children’s Privacy

Our Website is not directed to children under the age of 13. We do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us. We will take steps to remove the information from our records.

Data Security

We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction. These steps include:

  • Secure storage of your information
  • Use of encryption technologies
  • Regular security reviews and updates

However, no website or internet transmission is completely secure. We cannot guarantee the security of your information.

Meta and Google Requirements

This Privacy Policy is designed to comply with the requirements of Meta (Facebook) and Google, including:

  • Transparency: We provide clear and concise information about how we collect, use, and disclose your personal information.
  • Choice: We give you choices about how your information is used, including the ability to opt out of marketing communications.
  • Security: We take reasonable steps to protect your information from unauthorized access.
  • Accountability: We are accountable for the processing of your personal information.
  • Changes to This Privacy Policy
  • We may update this Privacy Policy from time to time. We will post any changes to this Privacy Policy on the Website. We encourage you to review this Privacy Policy periodically for any updates.