Privacy Policy for Loans

We at Airtel Digital Limited (“Airtel/We/Our/Us”) are committed to protect our customers Personal Information and shall strive to maintain the privacy of your Personal Information.

This Privacy Policy (“Policy”) describes the treatment of your Personal Information for facilitating various financial products offered by our lending partners (‘Services’) on Airtel Thanks mobile application/website (‘Platform’).

By visiting our Platform, you agree and acknowledge to be bound by the terms of this Policy.

For the purposes of this Policy, Personal Information shall mean any information that relates to a natural person, which can be used by itself to uniquely identify, contact, or locate a person, or can be used with information available from other sources to uniquely identify an individual.

What Personal Information we collect?

For the purposes of facilitating Services, we may collect your following Personal Information:

• Personal Details: Full name, date of birth, gender, email, mobile, PAN, marital status, father's & mother's name, current and permanent address. • Employment & Income details: Employment/ profession type, employer/ company name, industry, registration type, individual & household income, office address. • Bank Details: Bank account number, IFSC code, Bank name.

In addition, we may also take one-time access to certain features of your mobile phone like camera, microphone, location or any other facility, necessary for the purposes of on-boarding/ KYC performed by lending partners. . Further, we do not collect or store any biometric data.

How we use your Personal Information?

We may use, collect, store, process and transfer your Personal Information for multiple purposes, that may include but not limited to:

• Facilitate your application to avail loan from our lending partners. • Undertake marketing services and display customized content. • Comply with laws and requests received from government bodies or courts. • Maintain and improve our products and services. • Administer and protect our business and the Platform, including troubleshooting, data analysis, system testing, and performing internal operations. • To send you communication, through SMS, Voice Call, IVR or any third-party messaging platform, in relation to your use of the Platform or Services. • To undertake research and analytics for mitigating frauds.

How we share your Personal Information

Subject to your explicit consent, we may share your Personal Information with our lending partners offering financial products, with government authorities and courts in compliance to their directions, with our group companies to provide you suitable promotional offers, and with any third party to perform surveys measuring your experiences and use of our services. Such sharing shall be in accordance with the above mentioned purposes and subject to appropriate confidentiality and security requirements.

At any point in time you may choose to deny/revoke consent for use of your Personal Information or restrict disclosure to third parties with respect to a particular service. However, we will not be able to facilitate requests for the revocation of your data, if there is an active loan or service being availed by you or it is prohibited by legal and regulatory obligations or in accordance with applicable laws, which may require us to store data for longer periods of time.

Data Retention and Destruction

We shall store and retain your Personal Information - in India as per requirements laid down in applicable laws and regulatory requirements - till you continue to take our Services or as per any requirement under applicable laws and regulations. We shall delete your Personal Information upon your request, provided there is no active loan or service being availed by you or if your Personal Information is required to be retained due to applicable laws or any regulatory requirement.

Customer also authorize ADL to collect and store the work details, income details, PAN Card details, Gender, DOB and Bank details captured for NACH set-up for processing for Personal Loan offers and further authorize ADL to share this with Lending Partners for issuance of the Personal Loan facility and services associated with it. This information would be stored only till the end of the loan lifecycle plus six months.

Third Party Links

Our Platform may display links to third party websites/applications that we cannot control and cannot be held responsible for the activities of such websites.

Use of Cookies

Airtel uses cookies and beacons to assist in delivering the Services and to provide a positive and personalized user experience. Cookies are files sent to your browser from a web server and stored on your computer's hard drive. Our persistent and session ID cookies are used to identify unique visitors and to provide a personalized user experience. Beacons are bits of code that function similar to cookies. Our beacons are embedded in outgoing emails and generate a call back to the Airtel server when such emails are opened. Airtel uses beacons to track the status of sent emails. If you do not wish to receive cookies, you may disable them.

Security

Airtel has implemented adequate and industry accepted processes in compliance with applicable laws, designed to protect Personal Information and maintain security. It is your responsibility to protect the security of your login information. Airtel's servers are located in secure environments. Firewalls and other advanced security technologies are employed to prevent interference or access from outside intruders. These safeguards help prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of data. While we observe reasonable security measures to protect your Personal Information on all our digital platforms and internet connections, security risks may still arise for reasons outside of our control such as hacking, virus disseminations, force majeure events, breaches of firewall and secure server software etc.

Policy Review & Updates

Airtel reserves the right to modify/update this Policy and any changes to this policy, shall be posted on this page.

Details of Lending Partners/ Service Providers

–  IDFC First bank –  Money View (WhizDM Innovations Pvt. Ltd.) –  DMI finance –  Axis Bank –  Kisetsu Saison Finance India Private Limited (Credit Saison)

Grievance Redressal

Nodal Grievance Redressal Officer
In case of any feedback or concern or request please reach out to our Nodal Grievance Redressal Officer for Digital Lending

Mr. Nitin Grover
Designation: Nodal Grievance Redressal Officer
Email: nodalofficer.loans@airtel.com
Address: Airtel Center, Plot no. 16, Udyog Vihar Phase IV, Gurgaon - 122015

Grievance Redressal for Axis Bank

Personal loan customers can connect to the bank through calls, email or by visiting branch/loan centres. Axis bank has set a maximum 10 days response time period and if the concerned customer is dissatisfied with the response received, he/she can escalate the complaint to Level 2.

• Level 1 - Front End Channels

   

  1. Contact number: 1860-419-5555/1860-500-5555
  2. Complaint Registration: https://application.axisbank.co.in/webforms/axis-support/index.aspx
  3. Branches/Loan Centres: Customers can visit the “Locate Us” section of the website (www.axisbank.com) to get the details of the nearest branch or loan centre)
• Level 2 - Circle Nodal Officer/Nodal Officer at HO

   

  The concerned customer can communicate with Nodal officers of the bank if he/she is not satisfied with the solution provided at Level 1. The bank claims to reply within 10 days and if the response received is unsatisfactory, he/she can escalate the matter to Level 3.

  The customer can send an email/write a letter/call the Nodal Officer:

  Write	Email	Call
  Mr. Soumitra Roy, Nodal Officer Axis Bank LTD. NPC1, 5th Floor “Gigaplex”, Plot No .I.T.5, MIDC Airoli Knowledge Park, Airoli, Navi Mumbai – 400708	nodal.officer@axisbank.com	Ph. 080-61865200 Timings: 9.30 am to 5.30 pm Monday to Saturday (except 2ndand 4th Saturdays and bank holidays)

• Level 3 – Principal Nodal Officer

   

  If the concerned customer still feels dissatisfied with the solution provided at Level 2, he/she can connect with the bank’s Principal Nodal Officer using the below-mentioned channels.

  Write	Email	Call
  Name: Mr. Parag Deshpande Designation: Senior Vice President – II Address: Axis Bank Limited, Axis House, 7th Floor, Wadia International Center, P.B. Marg, Worli, Mumbai, Maharashtra, 400025	pno@axisbank.com	Contact no: 08061865200 Timings: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays)

  If your query/complaint is not addressed/resolved within 30 days, you can lodge a complaint over the Complaint Management System (CMS)4 portal under the Reserve Bank-Integrated Ombudsman Scheme (RB-IOS)5

Grievance Redressal for Kisetsu Saison Finance India Private Limited (Credit Saison)

Officer Name- Ms. Preethi Nair
Contact: 9962003070
Grievance Redressal process: https://regulatory.creditsaison.in/grievance-redressal-policy
Email: grievance@creditsaison-in.comorpreethi.nair@creditsaison-in.com
Address: IndiQube Lexington Tower, First Floor, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029