This Privacy Policy describes how OfferMeLoan (“OfferMeLoan”, “we”, “our”, or “us”) collects, uses, maintains, and discloses information obtained from users (“User”, “you”, or “your”) of the OfferMeLoan mobile application and website (https://www.offermeloan.com) (collectively referred to as the “Platform”). By accessing or using the Platform, you acknowledge that you have read and understood this Privacy Policy and agree to its terms. If you do not agree, you should discontinue the use of the Platform immediately.
OfferMeLoan is a product owned by Standard Capital Markets Limited.Protecting User privacy and maintaining the confidentiality of Personal Information (hereinafter as defined below) is a core priority. We implement reasonable administrative, technical, and organizational safeguards consistent with applicable Indian laws, including the Information Technology Act, 2000, Digital Personal Data Protection (DPDP) Act, 2023 and any relevant rules, regulations, and guidelines issued thereunder governing sensitive personal data. All Platform operations and data processing activities are conducted in accordance with applicable regulatory, contractual, and compliance obligations.
OfferMeLoan functions solely as a technology platform that enables borrowers to discover and connect with independent loan agents, Banks, and Non-Banking Financial Institutions (NBFCs). We do not provide loans, process repayments, or make credit decisions.
Information collected through the Platform is used to facilitate connections between Users and third-party service providers and to enable core application functionality.
By submitting a loan application through the Platform, you explicitly consent to the transfer of your personal and financial information to selected third-party agents, Banks, or NBFCs for the purpose of evaluating loan eligibility and contacting you.
If this Privacy Policy is not in a language that you understand, or in case of any assistance in reference to this Privacy Policy, you shall contact OfferMeLoan at the email info@offermeloan.com.
When you register or use the Platform, we may collect Personal Information such as your name, mobile number, email address, gender, date of birth, location details, and profile information required to create and manage your account. In order to allow loan discovery and application submission, you may voluntarily provide additional information including employment details, income range, credit score information, residence details, and supporting documents such as identity proof or PAN. (hereinafter collectively referred to as “Personal Information”).
The application may also collect certain technical and device-related information automatically when used. This may include IP address, device type, operating system version, application version, usage logs, and diagnostics data that help us maintain security and improve performance.
With your permission, we may access location data from your device to show nearby or relevant agents based on geographic preference. The app may also request access to camera, storage, or files strictly for enabling document uploads or profile images required during the application process. These permissions are used only for the stated functionality and may be disabled through device settings, though some features may become unavailable.
OfferMeLoan does not intentionally collect financial transaction data, payment instrument details, SMS data, contact lists, or call logs unless explicitly stated and enabled within the application experience.
Personal Information or any other information collected through the Platform is used to operate and improve services, create and manage User accounts, match borrowers with relevant agents or lenders, process application submissions, communicate service updates, maintain platform security, prevent misuse, and comply with legal obligations. Data may also be used in aggregated or anonymized forms to analyze usage patterns and improve application performance.
We do not sell Personal Information. Your Personal Information is used only for the purposes outlined in this Privacy Policy and in connection with the services requested by you.
To enable the core functionality of connecting borrowers with financial service providers, Personal Information submitted through loan applications may be shared with selected third-party loan agents, Banks, or NBFCs chosen by the User. These entities operate independently and are responsible for their own privacy practices once the information is shared with them.
Personal Information may also be disclosed to trusted service providers assisting us with hosting, analytics, storage, maintenance, or technical support under strict confidentiality obligations. Additionally, we may disclose your Personal Information when required by law, regulation, court order, or governmental authority, or to protect our rights, property, or ’Users’ safety.
In the event of business restructuring, merger, or asset transfer, User Personal Information may form part of transferred assets, subject to applicable safeguards.
Personal Information is retained for as long as necessary to provide services, maintain account functionality, resolve disputes, comply with legal obligations, or enforce agreements. Users may request deletion of their account or Personal Information, and we will process such requests within a reasonable timeframe unless retention is required by law or legitimate operational needs. Users may request account or data deletion by contacting support via the email provided below in contact information or through in-app account settings wherever available.
If the deletion of User Personal Information is not possible at that particular point of time due to any reason whatsoever, we shall aggregate all your Personal Information and will securely store your Personal Information and isolate it from any further processing until deletion of your Personal Information is possible.
We implement industry-standard administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, loss, misuse, or alteration. Data transmission occurs through secure encrypted channels and storage is maintained within protected infrastructure environments. The security of your data is important to us, but no method of transmission over the internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security, and the Users acknowledge inherent risks associated with online platforms.
Users are responsible for maintaining the confidentiality of their login credentials and should notify us immediately of any suspected unauthorized access.
The Platform may include links to third-party websites or services. OfferMeLoan does not control and is not responsible for the privacy practices or content of those external platforms. Please read the privacy policy on the page of the third-party services that you are directed to regarding the use, storage and protection of your Personal Information before submitting any Personal Information.
We recognize the importance of children”s safety and privacy. The Platform is intended only for individuals aged eighteen (18) years or older. We do not knowingly collect Personal Information from minors. If a parent or guardian becomes aware that his or her child has provided us with such, Personal Information, he or she should write to us at the details given in the Contact Information clause and it will be removed promptly upon such notification.
Users may exercise their rights of access, rectification, cancellation and opposition by contacting us on the details prescribed under Contact Information clause of this Privacy Policy. Please note that we may ask you to verify your identity before responding to such requests. If you make a request, we will try our best to respond to you as soon as possible.
We undertake to respect the confidentiality of your Personal Information and to ensure that you can exercise your rights in accordance with the applicable laws. You have the right under this Privacy Policy, and by law if you are within the Indian territory, to:
In any case, we will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract.
OfferMeLoan reserves the right to modify or update this Privacy Policy at any time to reflect regulatory, operational, or technological changes. Continued use of services of the Platform after updates will constitute a consent of the revised/updated Privacy Policy., to the extent permitted by law. Users are acknowledge and agree that it is their responsibility to review this Privacy Policy periodically and become aware of modifications.
For questions, requests, or concerns regarding this Privacy Policy ,data handling practices, your dealings with OfferMeLoan and anything you would like to ask about or complain about how we process your Personal Information, please provide a written notice to the following address or email us at the address below:
Company Name: Standard Capital Markets Limited
Address: Office No. 226, 2nd Floor, D-Mall, Netaji Subhash Place, Pitampura, Delhi - 110034
Email: info@offermeloan.com
Website: https://www.offermeloan.com
By continuing to use the Platform, you acknowledge and consent to the collection, use, and disclosure of Personal Information or any information required to avail our services, as described in this Privacy Policy.