Home › Privacy Policy

Privacy Policy

Last updated: 21 August 2026

Guest Loan (“we”, “us”, “our”) is committed to protecting the privacy of every person who visits this website or applies for a loan through it. This policy explains what information we collect, why we collect it, how we use and protect it, and what rights you have over it.

This policy is issued in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (“DPDP Act”).

1. Information we collect

1.1 Information you give us directly

When you complete the enquiry form on this website, we collect:

• Your full name
• Your mobile number
• Your email address
• Your city and residential address
• The loan amount you are seeking
• Your salary date, so we can align your repayment date
• Your consent to be contacted

1.2 Information collected during verification

If your enquiry proceeds, we will collect additional information through a separate, verified channel, which may include salary slips, bank statements, Aadhaar, PAN, employment proof and address proof. We never collect these documents through this website. We also never access your phone's call logs, contacts, or media files — this is prohibited under RBI's Digital Lending Guidelines and we do not request or accept such access under any circumstance.

1.3 Information collected automatically

Our servers and hosting provider may log technical information such as IP address, browser type, device type, referring page and time of visit. This is used for security, fraud prevention and to understand how the site is used.

2. Why we collect your information

• To contact you about your loan enquiry
• To assess your eligibility and creditworthiness
• To verify your identity and prevent fraud
• To process, sanction, disburse and service your loan
• To set your repayment date to align with your salary credit date
• To comply with legal, regulatory and statutory obligations, including KYC and anti-money-laundering requirements
• To respond to your queries and complaints

We do not use your data for any purpose beyond those listed above without obtaining your fresh consent.

3. Consent

By submitting the enquiry form, you consent to us contacting you by phone, SMS, WhatsApp and email regarding your enquiry, and to processing your data for the purposes set out in this policy. You may withdraw your consent at any time by writing to us at the address in Section 10.

4. Sharing your information

• Lending partners and regulated financial institutions involved in sanctioning or funding your loan
• Credit information companies (such as CIBIL, Experian, Equifax and CRIF High Mark) as required by the Credit Information Companies (Regulation) Act, 2005
• Verification and KYC service providers engaged to confirm your identity and employment
• Payment and collection service providers to process disbursal and repayment
• Regulatory, statutory and law enforcement authorities where required by law

We do not sell, rent or trade your personal information to third parties for marketing purposes.

5. How we protect your information

We apply reasonable security practices to protect your data, including encryption of data in transit, restricted access on a need-to-know basis, and internal controls over who may view application data. No method of transmission over the internet is completely secure, and while we take all reasonable steps, we cannot guarantee absolute security.

6. How long we keep your information

We retain your personal data only for as long as necessary to fulfil the purposes described in this policy, or for the period required by applicable law and regulatory guidance, whichever is longer. Enquiries that do not result in a loan are retained for [retention period to be confirmed] and then deleted or anonymised.

7. Your rights

Under the DPDP Act, 2023, you have the right to:

• Access a summary of the personal data we hold about you and how it is processed
• Request correction of inaccurate or incomplete data
• Request erasure of your data where it is no longer required and no legal obligation prevents deletion
• Withdraw consent previously given
• Nominate another person to exercise these rights on your behalf in the event of death or incapacity
• Register a grievance regarding the handling of your data

8. Cookies

This website uses only essential cookies and local storage required for the site to function. We do not currently use advertising or third-party tracking cookies.

9. Children

Our services are intended only for individuals aged 21 and above. We do not knowingly collect personal data from children.

10. Contact and grievances

We acknowledge every grievance within 48 hours and aim to resolve it within 30 days. Full escalation details are on our Grievance Redressal page.

11. Changes to this policy

We may update this policy from time to time. The current version is always published on this page with the last updated date shown at the top.