Privacy Policy
Mahalaxmi Capital Group ("we", "our", "us") is committed to protecting the privacy of every visitor to our website and every customer who applies for or uses our loan and financial services. This Privacy Policy explains what information we collect, how we use it, how we share it, and the choices you have.By accessing our website, submitting an enquiry, or using any of our services, you agree to the practices described in this policy.1. Information We CollectWe collect the following categories of information:Personal Information — name, date of birth, gender, marital status, photograph, identity and address proof (PAN, Aadhaar, passport, voter ID), signature, and other KYC documents required by law.Financial Information — income, employment details, salary slips, bank statements, income-tax returns, credit reports, existing loans and obligations, property and asset information, and repayment history.Contact Information — mobile number, email address, residential and office address, and emergency contact details.Technical Information — IP address, browser type and version, device identifiers, operating system, referring URLs, pages visited, time spent, and cookies used to improve our service.2. How We Use Your InformationWe use the information collected for the following purposes:• Processing and evaluating your loan or service request;• Verifying your identity, address, employment, income and creditworthiness (including credit bureau checks);• Communicating with you about your application, account, transactions, offers, and updates;• Sharing with banks, NBFCs, fintech partners and other lenders to find a suitable loan product for you;• Complying with applicable laws, regulations, RBI guidelines, KYC / AML / CFT obligations, and responding to lawful requests;• Improving our website, products, services, marketing, customer experience and fraud-prevention systems.We will not use your information for any purpose that is not related to the services you have requested or required by law, without your consent.3. Sharing of Your InformationWe do not sell your personal information. We may share it only with:• Lending Partners — banks, NBFCs, housing finance companies and other financial institutions for loan origination, underwriting, processing and servicing;• Service Providers — KYC verification agencies, credit bureaus (CIBIL, Experian, Equifax, CRIF), technology and data partners, document collection and storage vendors, payment gateways;• Regulators and Law Enforcement — RBI, SEBI, Income Tax department, Enforcement Directorate, police, or any court or government authority as required;• Business Transfers — in case of merger, acquisition, restructuring or sale of assets, your data may be transferred to the relevant party under strict confidentiality;• With Your Consent — for any other purpose disclosed at the time of collection.All third parties are bound by confidentiality and data-protection obligations consistent with this policy.4. Data SecurityWe use industry-standard physical, electronic and procedural safeguards to protect your information, including 256-bit SSL encryption, access controls, secure servers, audit logs, and ISO-aligned processes. Despite our best efforts, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.5. Data RetentionWe retain your personal and financial information for as long as needed to (a) provide our services, (b) comply with legal, regulatory, tax and audit obligations, and (c) resolve disputes. Typically, customer data is retained for a minimum of 5 years after closure of the relationship or as required by applicable law.6. Your RightsSubject to applicable law, you have the right to:• Access the personal information we hold about you;• Request correction of inaccurate or incomplete data;• Request deletion or restriction of processing in certain circumstances;• Withdraw consent at any time (this will not affect the lawfulness of processing prior to withdrawal);• Lodge a complaint with the appropriate data protection authority.To exercise these rights, please write to our Grievance Officer using the contact details in the Grievance Redressal page.7. Cookies & TrackingWe use cookies, web beacons, pixels and similar technologies to remember your preferences, analyse site traffic, personalise content, and serve relevant advertising. You can control cookies through your browser settings. For more details, please see our Cookie Policy.8. Third-Party LinksOur website may contain links to third-party websites, apps or services that are not owned or controlled by us. We are not responsible for the privacy practices of those third parties. We encourage you to read their privacy policies before providing any information.9. Children''s PrivacyOur services are intended for individuals 18 years and above. We do not knowingly collect personal information from anyone under 18. If we learn that we have inadvertently collected such information, we will delete it as soon as possible.10. Changes to This PolicyWe may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. The latest version will always be available on this page along with the effective date. Material changes will be notified through the website or via email/SMS where appropriate.11. Contact UsIf you have any questions, concerns or complaints about this Privacy Policy or our data-handling practices, please contact our Grievance Officer (details on the Grievance Redressal page). We will respond within 30 days of receipt.
