Privacy Policy

Effective from January 17, 2025

Introduction and Scope

This Privacy Policy (the “Policy”) is prepared and published to meet legal requirements for intermediaries to publish the rules and regulations, Privacy Policy, and terms for access or usage of their website/mobile app. The Policy's purpose is to inform you, the user (“you” or “your” or “user”), on how LENDINGKART collects, stores, uses, discloses, transfers, and processes your personal information when you use the Website (including www.upwards.in) and the Mobile Application (including “Upwards Quick Instant Loan At Low EMI”).

This Privacy Policy is subject to the “Terms of the Use” and other information on the Platform. **If you do not agree to this Privacy Policy or any part thereof, please do not use, access, download, or install the Platform or any part thereof**.

Information We Collect

The privacy of Platform users is important, and we are strongly committed to securing your personal and other information. We collect various types of information, including personally identifiable information, to provide you with a safe, efficient, and customized experience and to verify your identity.

Personally Identifiable Information (Registration)

• Data includes your name, address, gender, date of birth, email address, phone number, username, password, and other registration information.
• Financial information collected includes employer name, monthly salary, bank account number, bank statements, credit information, and GST information.
• Identification includes data from documents and photographs/images/videos (e.g., PAN Card, Aadhaar Card).
• Details of two (02) references are collected for reference checks.

Information Collected Automatically and from Third Parties

• We automatically track information based on your behavior on and off the Application, which includes **SMS, contacts, call logs, and a list of installed applications**. This data is used for holistic risk assessment and is stored securely.
• We collect information from third parties such as **credit bureaus** and identity verification and fraud prevention services.
• You may choose to provide access to third-party sources like credit information companies, UIDAI servers (for e-KYC/e-Sign), social media sites, banks, and financial institutions.

Sharing and Disclosure of Information

Your information is collected and provided to lending partners (the “Lending Partners”) and business partners for loan disbursement (the “Business Partners”). This information is shared securely, ensuring that all recipients comply with confidentiality and secrecy obligations.