Privacy Policy

SHINEBAY TECHNOLOGIES INDIA PRIVATE LIMITED built the Loan Pro app as a free app. This service is provided by SHINEBAY TECHNOLOGIES INDIA PRIVATE LIMITED at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Loan Pro unless otherwise defined in this Privacy Policy.


1. Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to name, mobile number, marital status, PAN number, contacts (besides your contacts, you need to manually choose relationship, name and phone of urgent contact and other reference contact from your contact list in "Contact Information" view of the loan pro app), photo identification, mailing address, position, company address, name of the bank where you have a primary account, bank statements, pay slip etc. The information that we request will be retained by us and used as described in this privacy policy.We may employ third-party companies and individuals due to the following reasons:

(1)To verify Google email for the loan application and assess your social profile as an input for providing the best loan offer;

(2)To facilitate our Service;

(3)To provide the Service on our behalf;

(4)To perform Service-related services;

(5)To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

The type and amount of information collected depends on how you use, join, or participate in our products or services. Use of our services is completely voluntary and you do not need to provide this information unless you choose to use the Loan pro service.


2. How Loan Pro manage your personal information

The information that we collect from you will be stored electronically, and we will manage it for various purposes as follows;

To check that the submission you have made uses your real information, not someone else who uses your identity;

To determine your eligibility in obtaining a loan based on applicable conditions;

To communicate with you about your account, and also as information in the identification process when you call or visit our mobile application, and provide the latest information if there are changes to our services.

To confirm the information provided by you is genuine during the loan application process as well as to secure the transaction process if your loan is approved.

To settle our obligations arising from contracts signed between you and us.


3. How to protect consumers' personal information

(1) Loan Pro strives to protect your information with the latest technology. We will continue to abide by the applicable provisions to ensure your information is safe and secure, as well as restricting access to protect you from all forms of fraud. You are responsible for protecting your account access code and user ID and password, so that other consumers cannot access your account.

(2) For your information, Loan Pro cannot guarantee the security of your data sent through our application, the transmission process is your responsibility. When we receive your data or information, we will use strict security procedures and features in an effort to prevent other unauthorized access.

(3) Loan Pro fully follows and complies with the laws and regulations concerning data protection in force in India.

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.


4. Loan Pro exceptions in the distribution of consumer personal information

Loan Pro will disclose consumer personal information to service providers, borrowers and members of our group of companies who assist in carrying out certain parts of our business operations including service processes, payments, fraud prevention, data storage and others:

Loan Pro will also share consumer information with third parties in all legal and court matters in order to prevent financial loss, to report suspected illegal activity, or to investigate violations of our user agreement.

Loan Pro will not sell or rent customer data or information to any third party for any purpose, unless we implement a policy change and notify you of the change.

Of course if you provide us with false and inaccurate information in the submission indicated fraud in your loan application, we can record this in your credit history and share the information with legal entities or authorities / fraud prevention agencies.


5. Age

To be able to use our Loan Pro service, you must be 22 years or older. If you do not meet the age requirements, you are not in.


6. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.


7.Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at loanpro.service@shinebay.in.