Privacy policy

To check your eligibility, we ask for a short profile — no PAN, Aadhaar, or bank account details are collected anywhere on Laalkhata:

• Full name. As you provide it, for eligibility matching and follow-up.
• Mobile number. Provided by you for eligibility matching and follow-up. We do not verify this number belongs to you (there is no OTP step), so it is never presented anywhere as a confirmed or verified number — treat it as a contact detail, not an identity check.
• Employment type and monthly income. Used to match you against our lending partners’ published eligibility criteria.
• Loan amount requested. Stored against your eligibility check so we can match you to offers.
• Consent. We record the time you agree to be contacted and to your information being shared with a lending partner if you choose to proceed with their offer.
• Contact details. If you write to us through the contact form, we store the name, email, and message you provide.
• Usage events. We log a small number of product events (such as an eligibility check being completed, offers being shown, or an offer being followed through) to understand how the platform is used.

• To match you against our lending partners’ eligibility criteria.
• To follow up with you about your eligibility check, by the mobile number or email you provide.
• To respond to messages sent through our contact form.
• To understand, in aggregate, how people move through Laalkhata, so we can improve it.

We do not sell your data.

When you choose to continue with a lending partner’s offer, Laalkhata shows you a clear disclosure and then takes you to that partner’s own application process. Today, this is a disclosed redirect, not an automated data handoff — Laalkhata does not transmit your stored information to the partner through an API integration. From the point you leave Laalkhata, any information you provide is governed by that partner’s own privacy policy, and we encourage you to read it.

We keep your information for as long as it is needed to provide the service you requested, or as required by law, and no longer than that. Laalkhata does not collect PAN, Aadhaar, or bank account details at any point — that verification happens on the lending partner’s own platform, under their own privacy policy, after you choose to proceed with an offer.

We take reasonable technical measures to protect the data we do store, including transmitting it over encrypted connections and restricting who can access it. No system is completely immune to risk, and we treat data protection as an ongoing responsibility, not a one-time checklist.

You can ask us to access, correct, or delete the information we hold about you by writing to us through /contact or emailing info@laalkhata.com. We will respond within 7 business days.

This policy is intended to align with the Digital Personal Data Protection Act, 2023 (DPDPA), which governs how personal data is collected and processed in India.