We collect personal information necessary to assess your loan requirements and coordinate with banks and lending partners. This includes:
- Identity & Contact: Full name, mobile number, alternate contact details, email address, city, state, and pincode.
- Financial & Profile Details: Loan type, requested loan amount, monthly income status, employment category, and matching remarks.
- Application Documents: Official valid documents (such as PAN card, Aadhaar card, bank statements, salary slips, and business proof) submitted voluntarily for eligibility verification.
- Technical Logs: IP address, browser type, device information, and activity patterns on our public website.
We use the collected information to deliver, improve, and secure our loan facilitation services:
- Eligibility Checks: Assessing candidate profiles for matching loan options and preliminary parameters.
- Customer Coordination: Contacting applicants directly to guide them through application files and verification.
- Lending Coordination: Transferring files to authorized banks, NBFCs, and channel partners for official evaluation.
- System Alerts: Sending transactional emails, SMS reminders, notification updates, and safety alerts.
- Performance & Security: Maintaining, monitoring, and optimizing the security framework of our CRM system.
We do not sell, rent, or trade your personal information. We share your data only under the following circumstances:
- Lending Institutions: Partner banks and licensed NBFCs coordinate directly with submitted details solely to process credit files.
- Service Hosts: Verified SMS/WhatsApp notification APIs, cloud engines, and credit search systems assisting in communication.
- Legal Authorities: Regulatory and judicial officers in compliance with applicable Indian laws and statutory directives.
We use cookies and similar tracking technologies to analyze website traffic, store user preferences (like EMI calculation inputs), and enhance website navigation. You can adjust your browser settings to refuse cookies, though some features of the website may not function optimally as a result.
We follow strict security standards to protect your personal data from unauthorized access, alteration, disclosure, or destruction. We employ secure database systems, role-based access control, file encryption, and regular vulnerability checks to keep your document uploads safe.
We retain your personal information and uploaded documents only for as long as necessary to fulfill the purposes of loan facilitation, coordinate active applications, comply with statutory record-keeping regulations, or resolve disputes under Indian laws.
As a customer, you hold the following rights regarding your personal information:
- Information Access: The right to access and review the personal information we store in our active systems.
- Record Correction: The right to request corrections or updates to inaccurate details.
- Consent Revocation: The right to withdraw your consent for future data processing (which may limit active file tracking).
Laksh India Loan Services acts solely as an authorized loan facilitation partner. We do not issue loans, make credit decisions, or guarantee loan approval. The final decision to approve, reject, or determine the terms of any loan application rests entirely with the respective bank or licensed lending institution.
For any privacy concerns, data requests, or policy-related questions, please contact our Grievance Officer at:
- Email Support: info@lakshindia.com
- Office Address: Cabin 18, Madhok Complex, Opp. Silver Arc Mall, Ferozpur Road, Ludhiana, Punjab - 141001, India
