PolicyBulls Privacy Policy

1. Information We Collect

When you use our services, we collect information that helps us assess your credit eligibility and route loan requests to registered financial partners:

• Personal Identifiers: Name, Date of Birth, Gender, PAN Card Number, and Aadhaar details for e-KYC.
• Contact Information: Mobile telephone number, primary residential address, and email address.
• Financial Data: Monthly salary, employer name, occupation, existing loans, and bank account statement details.
• Technical Data: IP address, browser type, operating system version, and device identifiers.

2. How We Use and Share Information

PolicyBulls uses collected data strictly for lawful purposes including:

• Transmitting borrower inquiries to partnered RBI-registered Banks and NBFCs for underwriting and sanctioning.
• Procuring credit bureau records (e.g. from Equifax or CIBIL) with your explicit OTP-authenticated consent.
• Preventing fraudulent applications, identity theft, and money laundering.
• Sending transactional updates via SMS, WhatsApp, and Email regarding your loan application status.

3. Cookie Policy and Web Analytics

We utilize temporary session cookies and persistent analytical tags to improve website responsiveness, remember user preferences, and analyze aggregate visitor trends. You can disable cookies in your browser settings without impacting core navigation.

4. Data Security & Encryption

All sensitive customer communications and PAN numbers are transmitted across 256-bit Secure Socket Layer (SSL) encrypted protocols. We employ ISO 27001-certified hosting infrastructure with restricted employee access controls.

5. User Rights & Data Erasure

You maintain the legal right to review, rectify, or request the deletion of your personal records from our aggregator servers by writing to our compliance officer at care@policybulls.com. Note that statutory data retention laws mandate financial institutions to preserve audit logs for mandated regulatory timeframes.