Privacy Policy - CrownLoan

CROWNUP TECHNOLOGIES PRIVATE LIMITED ("the Company", "we", "us", or "our") highly values the protection of users' personal information and privacy. This Privacy Policy explains how we collect, use, store, process, and safeguard your personal information when you access or use the CrownLoan mobile application and related services.

CrownLoan is developed, maintained, and operated by CROWNUP TECHNOLOGIES PRIVATE LIMITED. The loan products available through the platform are provided by ATD FINANCIAL SERVICES PRIVATE LIMITED, a licensed Non-Banking Financial Company (NBFC), pursuant to a lawful business cooperation arrangement between the parties.

CROWNUP TECHNOLOGIES PRIVATE LIMITED is responsible for the technical development, platform operation, maintenance, user support, and related technical services of the CrownLoan platform. ATD FINANCIAL SERVICES PRIVATE LIMITED, as the lending service provider, is responsible for user eligibility verification, credit assessment, loan approval, loan disbursement, repayment management, and other related financial service processes.

By registering for, accessing, or using the CrownLoan application and related services, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

1 Information We Collect

To provide you with loan application, approval, and related services, we may collect the following types of information:

1.1 Personal Identity Information

When you register for an account or apply for a loan, we may collect the following information:

Name
Mobile Phone Number
Email Address
Identity authentication information (such as Aadhaar or other government-issued ID information)
Residential Address
Date of Birth
Gender

This information is used to verify your identity and complete the loan application and review process.

1.2 Employment and Income Information

When you apply for a loan, we may collect information related to your work and income, including but not limited to:

Job Title
Years of Employment
Payday
Income Details

This information is used solely for assessing your loan application eligibility and for risk control purposes.

1.3 Device and Technical Information

When you use this application, we may automatically collect certain device and technical information, including:

Device Model
Operating System Version
IP Address
Device Unique Identifiers (such as Android ID, etc.)
Network Operator Information
Application Version Information

This information is used for:

Preventing fraudulent activities
Enhancing system security
Optimizing application performance

1.4 Application Usage Data

To improve the product experience, we may collect data related to application usage, such as:

In-app operation records
Page access data
Application crash logs
Feature usage statistics

This data is used solely for product optimization and technical support.

1.5 Application Permissions Explained

To provide you with complete loan service functionality, this application may request access to the following permissions upon your authorization:

Camera

Used for capturing identity documents and completing facial recognition. This is an important step to verify that you are operating the account yourself and to ensure account security, thereby making your loan application more secure and reliable.

Location Information

Used to verify that you are currently located within India. Our loan services are provided only to Indian residents; obtaining location information ensures that you can use the relevant services normally.

Contacts

This permission is used to help you fill in contact information more conveniently. You can quickly complete the information by selecting contacts, avoiding manual entry errors, thereby improving review efficiency.

Advertising Identifier (IDFA)

Used to recommend loan products and services that better suit your personal needs. We may optimize displayed content based on this information. You can manage or disable this permission at any time in your device settings.

2 How We Use Your Information

The information we collect may be used for the following purposes:

To create and manage your account
To process your loan application and conduct risk assessment
To verify user identity and prevent fraudulent activities
To disburse loans and manage the repayment process
To provide customer service and technical support
To improve application functionality and user experience
To provide you with information about relevant products or services
To comply with applicable laws, regulations, and regulatory requirements

3 Data Sharing with Lending Partners

To complete the review and management of loan applications, we may share your information with the following partners to the extent necessary:

Identity verification service providers (KYC service providers)
Technical service providers
Payment and fund settlement service providers
Data analysis and risk control service providers

These partners process your information only to the extent necessary to provide the relevant services and are subject to strict data protection obligations.

We do not sell or rent your personal information.

4 Data Storage and Security

We attach great importance to the security of your information and take reasonable technical and managerial measures to protect your data, including but not limited to:

Encrypted data transmission
Secure server storage
Access rights control
Regular security audits and monitoring

We retain your information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including satisfying legal and regulatory requirements, processing loan records, and resolving disputes.

Although we take reasonable security measures, internet transmission carries inherent risks, and therefore absolute security cannot be guaranteed.

5 Information Disclosure

We may disclose your information in the following circumstances:

As required by laws, regulations, or regulatory authorities
To comply with legitimate investigations by government agencies or judicial authorities
To protect our legal rights or prevent fraudulent activities
In the event of a merger, acquisition, or asset transfer involving the company

6 Your Rights

To the extent permitted by applicable law, you have the right to:

Query or access your personal information
Correct inaccurate or incomplete information
Request the deletion of your account data
Withdraw certain authorizations (which may affect the use of some services)

If you wish to exercise any of the above rights, please contact us via our customer service email.

7 Third-Party Services

This application may contain third-party services or links (e.g., payment services). These third parties have their own privacy policies. We recommend that you carefully read their privacy policies before using the relevant services. We do not assume responsibility for the privacy practices of third-party services.

8 Protection of Minors

This application is intended solely for users aged 18 years and above. If we discover that a minor has submitted personal information, we will delete the relevant data as soon as possible.

9 Privacy Policy Updates

We may update this Privacy Policy from time to time. The updated version will be published in the application or on our official website, along with the latest update date. We recommend that you review this policy regularly to stay informed of any changes.

10 Contact Us

If you have any questions regarding this Privacy Policy or the processing of your personal information, please contact us through the following means:

Customer Service Email

contact@crownuppvtltd.com

Company Name

CROWNUP TECHNOLOGIES PRIVATE LIMITED