Privacy Policy
This Privacy Policy outlines how Emar Loan, developed and operated by EMAR FISCAL SERVICES PRIVATE LIMITED, collects, uses, discloses, and safeguards your information when you use our mobile application ("App"). EMAR FISCAL SERVICES PRIVATE LIMITED is an RBI-registered Non-Banking Financial Company (NBFC) based in India. By downloading, accessing, or using the Emar Loan app, you expressly consent to the practices described in this Privacy Policy.
Company Information:
Company Name: EMAR FISCAL SERVICES PRIVATE LIMITED
Address: 157, Rabindra Sarani, 3rd Floor, Kolkata, West Bengal, 700007
Email: support@emarfiscal.com
Collection and Use of Information
When using Emar Loan, we may collect the following information:
(a) Personal Information
Identity Information: Name, date of birth, Aadhaar card details, PAN number, and government-issued identification.
Contact Information: Email address, residential address, and telephone/mobile number.
Purpose of Collection:
We collect this data to verify your identity, assess your creditworthiness, and process loan applications, including for KYC (Know Your Customer) requirements.
(b) Financial Information
Bank account details, salary information, employment details, repayment records, and credit history.
Purpose of Collection:
Financial details are collected solely to determine your eligibility and ability to repay loans, assess financial risks, and facilitate timely transactions.
(c) Device Information and Permissions
The Emar Loan app may request certain permissions from your device to enhance security, ensure accurate credit assessments, and provide essential app features:
Camera: To scan and upload identification documents required for loan applications and KYC verification.
Gallery/Photos: To upload necessary documents from your phone's gallery or storage.
Location: To verify your location for regulatory compliance and fraud prevention.
Contacts: To analyze your contact list for risk assessment and as references for emergency contact purposes.
Advertising Identifier (IDFA/Ad IDs): To uniquely identify devices for security purposes, fraud prevention, and improving user experience.
You can manage these permissions via your device settings. However, refusal to grant these permissions may limit certain functionalities of the app, including loan approval and processing.
Loan Provider Introduction
The loans offered via the Emar Loan app are provided directly by EMAR FISCAL SERVICES PRIVATE LIMITED, a Non-Banking Financial Company (NBFC) registered under Indian laws and regulated by the Reserve Bank of India (RBI). All credit services, loan terms, and related financial transactions comply strictly with RBI regulations and guidelines.
Data Protection & Security
We implement robust security measures, including encryption and secure server hosting, to safeguard your personal and financial data. Your data is accessed only by authorized personnel strictly for legitimate business purposes.
Disclosure of Information
Emar Loan may share your personal information with third parties only in the following scenarios:
Compliance with legal or regulatory obligations.
With RBI-approved Credit Bureaus for credit scoring and reporting.
Fraud prevention and verification agencies.
Recovery agencies in case of overdue repayments.
With your explicit consent.
We will never sell your personal information to third parties for marketing purposes.
Retention and Deletion of Information
We retain your personal data for as long as required to fulfill loan services, comply with legal/regulatory obligations, resolve disputes, or enforce agreements. After such requirements cease, your data will be securely deleted or anonymized.
User Rights
You have the right to:
Access, correct, or update your personal information.
Request deletion of your data, provided there's no outstanding legal obligation or regulatory requirement.
Withdraw consent at any time, subject to applicable laws.
For exercising these rights, please contact us at support@emarfiscal.com.
Changes to This Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Any changes will be updated directly in the app and communicated through notifications or emails. Continued use of the Emar Loan app after updates will indicate your acceptance of the changes.
Contact Information
If you have any questions, concerns, or requests regarding your data or this Privacy Policy, please reach us at:
Company Name: EMAR FISCAL SERVICES PRIVATE LIMITED
Address: 157, Rabindra Sarani, 3rd Floor, Kolkata, West Bengal, 700007
Email: support@emarfiscal.com