Your personal data is yours. Under the Digital Personal Data Protection Act, 2023, you have rights over your personal data, and the legal duty to honour them starts on 13 May 2027. We honour them now: you can ask LOANZ 360 what we hold, have it corrected, have it erased, name someone to act for you, and complain if you are unhappy. You do not need an account to ask. This page is a short guide. The full detail is in the Privacy Policy.
If you want to... do this...
Your choices and where to make them
| If you want to... | Do this... | What happens next |
|---|---|---|
| See what we hold about you | Choose 'A copy of my data' on the data request page. | We check it is you, then send a summary of what we hold, why, and who it has been shared with. |
| Correct something that is wrong | Choose 'A correction' and say what is wrong and what it should be. | We correct it and confirm. If a lender holds a copy, tell the lender as well. |
| Have your data erased | Choose 'Erasure'. | We erase what we are free to erase and tell you what we must keep by law and why. |
| Name someone to act for you | Choose 'A nominee'. | After the identity check, we record the nomination. |
| Stop us using your data for a purpose | Withdraw consent from the Privacy page of your account, or write to the Nodal Grievance Redressal Officer. | We stop using your data for that purpose and confirm it in the app and by email. |
| Stop marketing messages | Use the unsubscribe link in a message, or withdraw marketing consent. | Marketing stops. Messages about your file continue. |
| Change your cookie choice | Use the Cookie choices link in the footer. | Your answer is forgotten, analytics cookies are cleared, and you are asked again. |
| Complain about how we handled your data | Choose 'A privacy grievance', or go to the grievance page. | Our Nodal Grievance Redressal Officer looks at it. |
How to make a request
- Go to the data request page. You do not need to sign in.
- Give your name, mobile number and email address, choose what you want, and add any details.
- We send a six-digit code to the contact details we hold for that mobile number. Type it in within 10 minutes.
- You get a reference that starts with DR and the date we will answer by. Keep the reference and quote it if you write to us.
- You will hear from us when the request arrives, when it moves, and when it is answered.
Start on the data request page. If you already have a customer account, you can follow a request on its Privacy page. The one-time code makes sure no one can file a request in your name. The code is also the reason the answer to 'does LOANZ 360 hold my number?' is the same message for everyone: we do not tell a stranger whether a number is known to us.
What we may have to keep
Erasure is a right, but it is not unlimited. Lending law requires some records to be kept after a loan, such as loan files, KYC papers, credit reports and payout and tax records. We also keep a record of your consent and of the request itself, and an audit trail. If you ask for erasure and we must keep some of your data, we tell you what and on which legal ground. Everything else is erased, your account is closed and your sign-ins end. The periods are listed in the retention table in the Privacy Policy.
If you are not satisfied
Write to our Nodal Grievance Redressal Officer. The name and contact details are shown on the grievance page. If you are still not satisfied with our reply to a data request, you may approach the Data Protection Board of India (check its website for when and how it takes complaints). Complaints about a loan or a lender follow the steps on the grievance page, and the borrower rights guide explains them.
Staying safe
- Never share a one-time code with anyone, including someone who says they are from LOANZ 360.
- LOANZ 360 does not read your phone's contacts, call logs or messages.
- Personal data is masked by default on our screens.
- We ask for your consent before we check your credit report or send your application to a lender.