Privacy & Data Security Policy – Unlend

1. Consent

1.1 By accessing or using this website and associated digital platforms operated under the brand Unlend (“Website”), you agree to be bound by this Privacy & Data Security Policy. If you do not agree, please do not access or use the Website.

1.2 By using the Website, you expressly consent to the collection, use, storage, processing, and disclosure of your personal information in accordance with this Policy and applicable Indian laws.

1.3 This Policy is incorporated into and subject to Unlend’s Terms of Use available on the Website.

1.4 Unlend may update this Policy from time to time without prior notice. Users are advised to review it periodically.

1.5 You consent to receive communications from Unlend electronically via email, SMS, WhatsApp, phone calls, or website notices. Such communications satisfy legal requirements for written communication.

2. No Warranties

2.1 The Website and all content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

2.2 While Unlend follows commercially reasonable security practices, we do not warrant that the Website will be free from viruses, unauthorized access, or interruptions.

2.3 Transmission of data over the internet carries inherent risks, and Unlend cannot guarantee absolute security of information transmitted online.

3. Limitation of Liability

3.1 To the maximum extent permitted by law, Unlend, its affiliates, partners, directors, officers, employees, and service providers shall not be liable for any indirect, incidental, consequential, or special damages arising from use of the Website or services.

3.2 If liability is established despite the above, Unlend’s aggregate liability shall be limited to the fees (if any) paid by the user for services rendered through the Website.

4. Data Security

4.1 All Personal Identifiable Information (PII) and Sensitive Personal Data or Information (SPDI) is stored securely using industry-standard safeguards.

4.2 User data is shared only with RBI-registered banks, NBFCs, credit information companies, or service providers, strictly on a need-to-know basis and with user consent.

4.3 Unlend’s infrastructure is hosted on secure cloud environments (e.g., AWS) that comply with global security standards including PCI-DSS where applicable.

5. Unlawful Use

Unlend reserves the right to investigate suspected violations of this Policy and cooperate with law enforcement or regulators where required, including disclosure of information as mandated by law.

6. Governing Law & Jurisdiction

This Policy shall be governed by the laws of India. Courts located in India shall have exclusive jurisdiction over disputes arising from this Policy or use of the Website.

7. Collection, Use & Sharing of Information

7.1 Information Collected

  • Identity data (PAN, Aadhaar as applicable)
  • Credit information (via CICs with consent)
  • KYC details
  • Employment and income details
  • Contact details
  • Device and IP information
  • Call logs and communication records

7.2 Purpose of Use

  • Provide requested services
  • Perform credit assessment and eligibility checks
  • Improve user experience
  • Prevent fraud and ensure security
  • Comply with legal and regulatory obligations
  • Communicate service updates and offers (with consent)

7.3 Sharing of Information

Data may be shared with: Lending partners, Credit Information Companies, Technology partners, and Regulators. Unlend does not sell personal data.

8. Communication Consent (TRAI/DLT)

By providing your contact details, you authorize Unlend and its authorized partners to contact you via calls, SMS, WhatsApp, RCS, email, or in-app notifications for service-related and promotional purposes, in compliance with TRAI/DLT regulations.

9. Cookies

Unlend uses cookies and similar technologies to improve website performance, analyze traffic, and personalize content. Cookies do not store personally identifiable information.

10. User-Generated Content

Any content posted by users on the Website becomes public. Users are solely responsible for such content and any consequences arising from it.

11. Data Minimization & Restricted Access

Unlend strictly adheres to RBI Digital Lending Guidelines:

  • No access to contacts, call logs, photos, media, camera, microphone, or biometrics
  • Data collected is limited to what is strictly necessary for service delivery

12. Data Retention & Deletion

Unlend maintains a documented Data Retention & Deletion Policy in compliance with the IT Act 2000, SPDI Rules 2011, and RBI Guidelines. Data is retained only as long as required and securely deleted thereafter.

13. Data Protection & User Rights

  • Lawful and transparent data processing
  • User consent and purpose limitation
  • Encryption, access controls, and regular audits
  • Right to access, withdraw consent, and grievance redressal

14. Grievance Redressal

Email: support@unlend.in

Working Hours: Monday–Friday, 9:30 AM–6:30 PM