Privacy Policy

01Who we are

Shubhdhanam is a loan distribution firm (DSA), 407, Ostwal Shopping Center, Jesal Park Road, Opp. Bhayandar Station, Bhayandar East, Mira Bhayandar, Thane, Maharashtra 401105. Email: loans@shubhdhanam.com · Phone: +91 91721 34844 / +91 22 4515 3011. For the personal data you give us, Shubhdhanam is the “data fiduciary” under the DPDP Act, 2023.

02What we collect

• What you type in our forms and tools: your name, mobile number, area or city, the loan you need, amounts and answers you enter, and any note you add.
• If you go ahead with a loan: the documents a lender needs to assess you — such as KYC, income papers, bank statements, credit report, and property or vehicle papers.
• If you refer someone: the name and mobile number of only the contacts you pick yourself, and your own name and mobile as the referrer.
• If you are or want to be a ShubhMitra partner: your shop or firm details, area, KYC, bank account and agreement details needed for payouts, and — only with your written permission — your shop location for our area map.
• Basic technical details: page visited, language, device type, where you came from (for example an ad or a partner link), and a spam check. Your internet (IP) address is not stored as it is — only as a scrambled code, to stop misuse.

03Why we use it

• To call you back, understand your need and tell you which lenders may fit.
• To prepare your file and send your application to the lender you choose, and to update you on it.
• To record references and pay a Shubh Shagun or partner payout when it becomes due.
• To keep our records, meet legal and tax duties, and prevent fraud and misuse.
• To see, in total numbers only, which pages and tools help people — so we can improve them.

04Your permission (consent)

• We save your details only after you tick the permission box next to the mobile number. The box is never pre-ticked, and the words you agreed to are saved with the date and time.
• In our tools, once you give your mobile number and tick the box, your answers are saved even if you stop midway — so our team can help you. The notice says this before you continue.
• You can withdraw your permission at any time, as easily as you gave it: write to loans@shubhdhanam.com or WhatsApp +91 91721 34844. We then stop using your data, except records that a lender or the law requires us to keep. Work already done before that is not affected.

05Calls and WhatsApp

• When you send a request, you ask us to contact you about it by call, WhatsApp or SMS — even if your number is on the Do Not Disturb list. We contact you only about that request.
• Tell us “stop” at any time and we will stop.

06When you refer someone

• Please share a contact only if that person is happy to hear from us about a loan. You confirm this when you send the reference.
• We contact the person only about the loan need. When they open your link, we may show your first name so they know who sent it. They can ask us at any time to erase their details.

07Who sees your data

• The bank or NBFC you choose to apply with — and, where that lender is reached through an empanelled loan platform, that platform. The lender’s own privacy policy then also applies.
• Our own team, by role: each team member sees only the leads their work needs.
• Service providers who run our systems, under confidentiality — such as Cloudflare (website hosting, database, spam check and analytics) and Google (email and office spreadsheets), and WhatsApp when you message us.
• Government or regulators, only when the law requires it.
• We never sell your personal data, and we never give it to marketing companies.

08Credit report

We do not pull your credit report ourselves. A lender may check it with your consent when you apply. If you share your credit report with us, we use it only to check which lenders may fit you.

09Where it is kept and how we protect it

• Your data is stored with reputed cloud providers whose servers may be in India or abroad, as the law allows.
• Data travels in encrypted form (HTTPS). Our lead system needs a personal login for every team member, locks after wrong passwords, and keeps a record of who did what.
• If a personal data breach ever happens, we will inform you and the Data Protection Board of India, as the law requires.

10How long we keep it

• As long as needed for the purpose you gave it for, or as long as a lender, tax or other law requires. After that we erase it or make it anonymous.
• Tool usage counts (which have no name or number) are deleted automatically after 400 days.

11Your rights

• Ask for a summary of your personal data and how we use it, and the list of those we shared it with.
• Ask us to correct, complete, update or erase it.
• Withdraw your permission (see above), raise a grievance, and nominate a person to use these rights for you if you cannot.
• How: write to loans@shubhdhanam.com (subject “My data”) or WhatsApp +91 91721 34844 from your registered mobile number, so we can check it is you. We reply as soon as we can, and always within 90 days.
• If you are not satisfied with our reply, you can complain to the Data Protection Board of India.

12On your phone or computer

• We do not use advertising cookies or trackers. Our website analytics is cookie-free and does not identify you.
• A few small notes may be saved in your own browser to help you — for example your name and link code when you share a tool, references waiting for internet, or an offline copy of pages if you add Shubhdhanam to your phone. Clearing your browser data removes them.

13Children

Our services are meant for people aged 18 and above. We do not knowingly collect personal data of children.

14Stay safe from fraud

We never ask for an OTP, a password, a PIN or an advance payment, and we never ask you to pay into a personal account. If someone does in our name, please tell us at once on +91 91721 34844 / +91 22 4515 3011.

15Grievance Officer

Nitin Soni, Founder & Managing Director, Shubhdhanam, 407, Ostwal Shopping Center, Jesal Park Road, Opp. Bhayandar Station, Bhayandar East, Mira Bhayandar, Thane, Maharashtra 401105. Email: loans@shubhdhanam.com (subject: “Grievance”) · Phone: +91 91721 34844 / +91 22 4515 3011 (Mon – Sat, 10:30 am – 8:00 pm). We reply as soon as we can, and always within 90 days.

16Changes to this policy

If we change this policy, we will update it here and change the date at the top. Important changes will be shown clearly on this page.