Privacy Policy

1. Introduction

Stalk Finance Private Limited ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan services.

2. Information We Collect

2.1 Personal Information

We collect the following personal information:

• Full name, date of birth, and gender
• Contact information (phone number, email address, residential address)
• Identity documents (Aadhaar, PAN, Passport, etc.)
• Employment details and income information
• Bank account details and financial information
• Credit history and CIBIL score

2.2 Technical Information

• Device information (mobile device ID, operating system)
• IP address and location data
• Website usage data and cookies
• Application logs and error reports

3. How We Use Your Information

We use your information for the following purposes:

• Processing loan applications and credit assessment
• Verifying your identity and preventing fraud
• Communicating about your loan status and account
• Providing customer support and resolving queries
• Complying with legal and regulatory requirements
• Improving our services and user experience
• Marketing relevant financial products (with your consent)

4. Information Sharing and Disclosure

4.1 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

• Credit bureau reporting and credit score verification
• Payment processing and collection services
• Identity verification and KYC compliance
• SMS and email communication services
• Data analytics and fraud prevention

4.2 Legal Requirements

We may disclose your information when required by law, court orders, or regulatory authorities, including but not limited to RBI, SEBI, and other financial regulators.

5. Data Security

We implement industry-standard security measures to protect your personal information:

• 256-bit SSL encryption for data transmission
• Secure data storage with access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection and confidentiality
• Multi-factor authentication for system access

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

Generally, we retain loan-related data for 7 years after loan closure as per RBI guidelines.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information we hold
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Request transfer of your data to another service provider
• Opt-out: Unsubscribe from marketing communications
• Grievance: File complaints about data processing practices

8. Cookies and Tracking

We use cookies and similar technologies to enhance your experience on our website and mobile app. Cookies help us remember your preferences, analyze website traffic, and provide personalized content. You can control cookie settings through your browser preferences.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware of such collection, we will delete the information immediately.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through email, SMS, or prominent notices on our website. Your continued use of our services constitutes acceptance of the updated policy.

12. Contact Information

For any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us: