Privacy Policy

Introduction

Welcome to Salary Bolt. Your privacy is our top priority. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our digital lending services. By using our website or app, you agree to the terms outlined in this Privacy Policy. If you do not agree, please discontinue use immediately.

1. Information We Collect

• A. Personal Information: Full name, date of birth, gender, residential address, email, phone number, PAN, Aadhaar, voter ID, driving license, employment and income details required for loan evaluation.
• B. Non-Personal Information: Device details such as IP address, browser type, operating system, device model, usage patterns, cookies, and interaction data to improve platform performance.
• C. Financial Information: Bank account details, credit score, repayment history, transaction records, and financial data necessary for loan assessment and disbursal.

2. How We Use Your Information

• Verify identity and perform KYC checks.
• Evaluate loan eligibility and process applications.
• Disburse loans and manage repayments.
• Improve platform functionality and user experience.
• Send important notifications, alerts, and service-related communications.
• Ensure compliance with RBI, NBFC, and other regulatory requirements.
• Detect and prevent fraud, misuse, or unauthorized access.

3. Information Sharing and Disclosure

We do not sell or rent your personal data. Information is shared only on a need-to-know basis with:

• Regulatory and government authorities as required by law.
• Authorized service providers such as KYC agencies, credit bureaus, and payment processors.
• Trusted partners involved in delivering lending and support services.
• Law enforcement agencies in cases of fraud, disputes, or legal obligations.
• All third parties operate under strict confidentiality and data protection agreements.

4. Data Security

• Advanced encryption for personal and financial data.
• Secure servers with controlled access.
• SSL-secured transactions.
• Compliance with RBI norms for data storage, handling, and localization.

5. User Rights and Choices

• Access, update, or correct your personal information.
• Withdraw consent or request deletion of data (subject to legal requirements).
• Opt out of marketing communications at any time.
• Exercise these rights by emailing us at info@salarybolt.com.

6. Cookies and Tracking Technologies

We use cookies and analytics tools to personalize your experience and analyze usage trends. You may disable cookies through your browser settings, though some features may not function properly.

7. Third-Party Links

Our platform may contain links to third-party websites or applications. We are not responsible for their content, privacy policies, or data practices. Please review their policies before sharing any information.

8. Data Retention

Your data is retained only for as long as necessary to fulfill business, legal, and regulatory obligations and is securely deleted thereafter.

9. Children’s Privacy

Our services are intended for individuals aged 18 years and above. We do not knowingly collect data from minors. Any such data discovered will be deleted promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect regulatory or operational changes. Updates will be posted on this page with a revised “Last Updated” date.

11. Contact Us

• Salary Bolt (A brand of IDF Financial Services Pvt. Ltd.)
• Email: info@salarybolt.com
• Phone: +91 9289897351
• Address: E 19 south extension part 1,1st floor,New delhi 110003