This document outlines the Privacy Policy (“Policy”) applicable to Unimobile Messaging Solutions LLP (“Unimobile”, “Paisawaala”, “we”, “us”, or “our”, “Company” or “Data Fiduciary”) is committed to protecting the privacy and personal data of individuals (“you”, “your”, or “Data Principal”) who interact with our digital platform. Paisawaala.com is India's leading personal loan comparison platform, dedicated to helping individuals find the best loan offers tailored to their financial needs. Our mission is to simplify the loan application process by providing transparent, comprehensive comparisons of personal loan products from trusted lenders across the country. We operate as a marketplace that connects borrowers with lenders, facilitating informed decision-making through detailed comparisons of interest rates, fees, and terms. paisawaisa.com is not a lender itself but serves as an intermediary platform that helps you discover and apply for loans from our network of partner banks and NBFCs. This Privacy Policy outlines our practices regarding the collection, processing, storage, sharing, and protection of personal data, and describes the mechanisms for obtaining, managing, withdrawing, and modifying consent in accordance with the applicable law including Digital Personal Data Protection Act, 2023 (“DPDP Act”).
PLEASE READ THIS POLICY CAREFULLY.
This Privacy Policy applies to all personal data collected through Paisawaala’ s website (www.paisawaala.com) APIs, and other digital interfaces. It governs the processing of personal data for the purpose of facilitating financial product access and customer acquisition.
We operate as a digital intermediary. We assist users in discovering and applying for financial products such as loans, credit cards, savings accounts, and insurance policies offered by third-party financial institutions. We do not underwrite or issue financial products directly.
We collect and process the following categories of personal data for providing services:
3.1 Identity Information: Full name, date of birth, gender, PAN, Aadhaar
3.2 Contact Information: Email address, mobile number, residential address
3.3 Financial Information: Income details, employment status and details, credit score, loan requirements
3.4 Device and Network Data: IP address, browser type, device identifiers, location data
3.5 Behavioural Data: Clickstream data, preferences, usage patterns.
Personal data is processed for the following lawful purposes as per the consent of the User for below mentioned purposes:
4.1 To assess eligibility and match users with suitable financial products
4.2 To facilitate onboarding with partner banks and NBFCs
4.3 To procure CIBIL score and conduct identity verification
4.4 To personalize product recommendations and improve user experience.
4.5 To fulfil contractual obligations and provide requested services
4.6 To comply with legal and regulatory requirements
4.7 To send service-related communications and promotional offers
By registering, you authorize us (including our partners and affiliates) to send you SMS, emails, and notifications, even if you are registered under DND/DNC/NCPR.
We use cookies and similar technologies to enhance your experience on ourwebsite. We use both session cookies and persistent cookies.
Cookies help us recognize you, track preferences, and improve siteperformance. You may disable cookies via browser settings, but doing so maylimit access to certain features. If you disable or reject cookies, you may notbe able to use certain products and services that require you to sign in.Therefore, we recommend keeping cookies enabled for the best experience.
6.1 Obtaining Consent
Unimobile obtains free, informed, specific, and unambiguous consent from Data Principals prior to processing personal data, except where processing is necessary under law or for the performance of a contract. Consent shall be obtained through digital interfaces and shall be purpose specific. Consent shall be recorded only upon affirmative action (e.g., clicking “I Agree” or selecting a checkbox). We maintain a secure and auditable record of all consents.
6.2 Withdrawal of Consent
You may withdraw your consent at any time through:
Upon withdrawal, we shall cease processing the relevant personal data and delete or anonymize it, unless retention is required by law or for contractual obligations. Withdrawal shall be acknowledged within 7 working days.
6.3 Modification of Consent
You may modify your consent preferences at any time through:
Modifications may include adding new purposes, revoking specific consents, or updating communication preferences. All changes shall be confirmed and logged with a timestamp.
We may share your personal data with:
All data sharing is governed by contractual safeguards and is compliant with the DPDP Act.
All third parties are contractually bound to maintain the same level of confidentiality and data protection as we do. These third parties are required to handle your information using the same level of care and confidentiality as is followed by us. Any accessing or processing of your information by these third parties is subject to and in accordance with contractual terms, applicable laws, our instructions and your consent. For the purposes of this paragraph, “Affiliate” shall mean, as to any Person, any other Person that, directly or indirectly, controls, or is controlled by, or is under common control with, such Person. (The term “control” (including, with its correlative meanings, “controlled by” and “under common control with”) shall mean the possession, directly or indirectly, of the power to direct or cause the direction of management or policies of a Person, whether through the ownership of securities or partnership or other ownership interests, by Contract or otherwise. The term "Person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity).
We may also share, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of our business or upon the merger, reorganization, or consolidation of it with another entity on the basis that it is not the surviving entity.
We limit the collection and use of your personal information. We may make anonymous or aggregate personal information and disclose such data only in anon personally identifiable manner. Such information does not identify you individually. Access to your Account information and any other personal identifiably information is strictly restricted and used only in accordance with specific internal procedures, and for the purposes set out in this Privacy Policy, in order to operate, develop or improve our services. We may use third party service providers to enable you to provide with our services and we require such third parties to maintain the confidentiality of the information we provide to them, under our contracts with them.
We may also share your information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. You agree and consent for the Website to disclose your information, if so required, under applicable law.
There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services and disclose your information to these providers, then their use of your information is governed by their privacy policies in addition to the Privacy Policy of the Website. We are not responsible for their privacy policies. We encourage you to visit and read about the privacy notices and procedures adopted by these third parties/providers, when you apply for their products or services. We hold no responsibility for the content of the privacy policies or terms of use etc. of these third-party websites.
We may use third-party advertisers to serve ads. These entities may collect anonymous data via pixel tags. No personally identifiable information is shared. Our website may contain links to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies.
We use log files to analyze trends, administer the site, and gather demographic information. This may include IP addresses, browser type, ISP, referring/exit pages, and timestamps. We may combine this data with other information to improve our services.
We are committed to protecting your personal information through robust security measures. Access to your data within Unimobile is limited to authorized personnel on a need-to-know basis. All employees and contractors are bound by confidentiality obligations and are trained to handle data securely.
We implement reasonable security practices and procedures aligned with international standards such as IS/ISO/IEC 27001. These include technical, operational, managerial, and physical controls administered by dedicated security teams. While we strive to safeguard your data, please note that no method of transmission over the Internet is completely secure, and risks maya rise beyond our control.
Unimobile also ensures that third-party service providers engaged by us adopt comparable security standards to protect your personal information. However, we cannot guarantee the protection of any information you voluntarily disclose in public areas of our website or other platforms.
We implement appropriate technical and organizational measures to ensure the confidentiality, integrity, and availability of personal data, including:
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required under applicable laws and regulatory obligations. Where no such legal requirement exists, we retain your data for the duration of our legitimate business needs—such as providing services to you, resolving disputes, or improving user experience.
Once your data is no longer needed, we securely dispose of it using industry-standard methods that render it unreadable or irretrievable, with appropriate regard to privacy and security.
Under the DPDP Act, You have the rights to Access, Correct, Erasure and Lodge complaints with the Data Protection Officer.
You also can choose what personal information, including sensitive personal information (i.e. your financial information) you provide to us, restrict disclosure of your information to third parties, however, please note that this may affect your seamless access to such product/ service as opted by you. However, if you choose not to provide all the mandatory information and data that is requested of you, we may not be able to provide you with the Services that you have subscribed to
We believe you should be able to choose what kinds of information you receive via email/SMS. If you do not want to receive marketing materials by email/SMS, just indicate your preference on the contact information for your account or the 'opt-out' or unsubscribe link provided in our marketing emails, and you can also write to us at support@paisawaala.com. Please note that it may take about 10days to process your request. Please keep in mind that we will continue to notify you by email /SMS/via phone calls regarding your services with us, even after you have opted out.
You can review the information that you have provided to us by logging into
your account at the Website and correct or amend any personal information or sensitive personal data or information to ensure that the information or data you provided us is accurate and/or not deficient. We are not responsible for the authenticity of any personal information or sensitive personal data or information supplied to it by you or any third party.
To exercise these rights, contact:
Data Protection Officer
Unimobile: [B-18, Infocity -1, Sector-34 Gurgaon, Gurgaon, Haryana, 122001]
Email: [support@paisawaala.com]
Phone: [+918693039023]
Where Unimobile processes sensitive personal data (e.g., financial information),additional safeguards shall be applied, including enhanced notice, separate consent, encryption, and restricted access controls.
Unimobile does not knowingly collect personal data from children below the age of 18. Where services are offered to minors, consent shall be obtained from the parent or lawful guardian in accordance with Section 9 of the DPDP Act.
Unimobile reserves the right to amend this Privacy Policy periodically. Material changes shall be notified via email or prominent notice on our platform.Continued use of our services after such changes shall constitute acceptance of the revised policy.
For any queries or concerns regarding this Privacy Policy or the handling of personal data, please contact:
Unimobile: [B-18, Infocity -1, Sector-34 Gurgaon, Gurgaon, Haryana, 122001]
Email: [contactus@theunimobile.com]
Phone: [+918693039023]
