Privacy Policy
Effective & last updated: 14 October 2026
Your trust matters to us. This Privacy Policy explains what personal data LoanPeCar collects, why we collect it, who we share it with and the choices you have. It is published in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Digital Personal Data Protection Act, 2023 and applicable Reserve Bank of India guidelines on digital lending.
01Who We Are
LoanPeCar (the "Platform") is owned and operated by Ruptech Financial Services Pvt. Ltd. ("Ruptech", "we", "us" or "our"), a company incorporated under the Companies Act, 2013. For the purposes of applicable data protection law, Ruptech is the Data Fiduciary for personal data collected through the Platform.
LoanPeCar is a loan and insurance facilitation platform. We are not a bank or a Non-Banking Financial Company (NBFC) and do not lend money ourselves. We connect you with our partner banks, NBFCs and insurers ("Partners"), who take the final decision on any loan or policy.
This Policy applies to everyone who visits our website, fills in an enquiry or application form, uses our EMI calculator or CIBIL score check, or contacts us by phone, email, WhatsApp or social media.
02Information We Collect
We collect only the information we need to help you find and apply for a suitable financial product.
Identity & contact
Name, mobile number, email address, date of birth, gender, residential address, city and PIN code.
KYC documents
PAN, Aadhaar (masked where possible), passport, voter ID, driving licence and photographs, when you choose to apply.
Financial details
Employment type, employer or business details, income, bank statements, salary slips, ITRs, existing loans and EMIs.
Vehicle & property
Vehicle make, model, registration number, RC and insurance details, and property details for loans against property.
Credit information
Your credit score and credit report, obtained from credit bureaus only with your explicit consent.
Technical data
IP address, device and browser type, pages visited, language preference, referral source and cookie identifiers.
How we receive it
- Directly from you — through forms, calls, emails, chats or documents you share.
- Automatically — through cookies and similar technologies when you browse the Platform.
- From third parties — such as credit bureaus, KYC and verification service providers, and our Partners, with your consent where the law requires it.
We do not access your phone's contacts, call logs, media files or photo gallery, and we never ask for your card PIN, CVV, OTP or net-banking password.
03How We Use Your Information
- To understand your requirement and match you with suitable loan, credit card or insurance offers.
- To check your preliminary eligibility and calculate indicative EMIs and offers.
- To submit your application and documents to the Partner(s) you choose and track its progress.
- To verify your identity, prevent fraud and meet our legal and regulatory obligations.
- To contact you by call, SMS, email or WhatsApp about your enquiry, application, renewals and service updates.
- To respond to your queries, complaints and support requests.
- To improve our website, services and customer experience using aggregated, analytical insights.
- To send you information about other products, only where you have agreed to receive it.
We do not sell or rent your personal information to anyone.
04Consent & Legal Basis
We process your personal data on the basis of the consent you give us when you submit a form, tick a consent box or otherwise share your information, and, where permitted, for legitimate uses recognised by law, such as complying with a legal obligation or responding to a medical or safety emergency.
You may withdraw your consent at any time by writing to us at info@loanpecar.com. Withdrawal does not affect processing already done, and we may be unable to continue providing services that depend on that data. Information already shared with a Partner will continue to be governed by that Partner's own privacy policy, and we will forward your withdrawal request to them on your behalf.
05Sharing With Lenders & Partners
We share your information only on a need-to-know basis and only for the purposes described in this Policy:
- Banks, NBFCs and insurers — to process the loan, credit card or insurance application you request. A list of our lending partners is shown on our Our Finance Partners page.
- Service providers — who help us operate the Platform, such as cloud hosting, CRM, SMS/email/WhatsApp messaging, KYC verification and analytics providers, bound by confidentiality obligations.
- Credit bureaus — such as TransUnion CIBIL, Experian, Equifax and CRIF High Mark, to fetch your credit report with your consent.
- Authorised channel partners — field executives and associates who assist you with documentation, under our supervision.
- Government and regulatory authorities — when required by law, court order or a lawful request.
- Successors — in the event of a merger, acquisition or sale of assets, subject to equivalent privacy protections.
Each Partner processes your data under its own privacy policy and the regulations that apply to it. We recommend that you read the Partner's policy before accepting any offer.
06Credit Information (CIBIL)
When you use our Fetch Your CIBIL feature or apply for a loan, we may obtain your credit information from a credit information company only after you give explicit consent. We use it to show you your score and to identify products you are likely to be eligible for.
Checking your own score through us is a "soft enquiry" and does not lower your credit score. A formal application submitted to a lender may result in a "hard enquiry" by that lender.
07Cookies & Tracking
We use cookies and similar technologies to keep the website working, remember your language preference, understand how visitors use our pages and measure the performance of our campaigns.
- Essential cookies — required for core features such as forms and security.
- Preference cookies — remember choices such as your selected language.
- Analytics and advertising cookies — help us improve the site and show relevant ads on other platforms.
You can block or delete cookies through your browser settings. Some parts of the Platform may not work correctly if you do.
08Data Storage & Retention
Your personal data is stored on secure servers located in India. We keep it only for as long as it is needed to provide our services, resolve disputes, enforce our agreements and meet legal, regulatory, tax and audit requirements. When it is no longer required, we delete or anonymise it securely.
09Data Security
We follow reasonable security practices to protect your information, including:
- SSL/TLS encryption for data travelling between your browser and our servers.
- Role-based access controls, so only authorised staff can access customer data.
- Confidentiality agreements with employees, channel partners and service providers.
- Regular reviews of our systems, processes and vendors.
No method of transmission or storage is completely secure. If we become aware of a personal data breach that affects you, we will notify you and the relevant authorities as required by law.
10Your Rights
Subject to applicable law, you have the right to:
Access
Ask for a summary of the personal data we hold about you and how it is used.
Correction
Ask us to correct, complete or update inaccurate or outdated information.
Erasure
Ask us to delete your data when it is no longer needed, unless we must keep it by law.
Nominate
Nominate another person to exercise your rights in case of death or incapacity.
You also have the right to withdraw consent and to raise a grievance with us. To exercise any of these rights, contact our Grievance Officer using the details below. We may need to verify your identity before acting on your request.
11Marketing Communications
By submitting your details, you authorise LoanPeCar and our Partners to contact you by call, SMS, email or WhatsApp about your enquiry, even if your number is registered on the National Do Not Call (DND) registry. You can opt out of promotional messages at any time by replying "STOP", using the unsubscribe link in our emails, or writing to info@loanpecar.com. Service messages about an active application will continue until it is closed.
12Third-Party Links
Our website may contain links to Partner websites, social media pages and other third-party sites. We are not responsible for the content or privacy practices of those sites. Please read their privacy policies before sharing any information with them.
13Children's Privacy
Our services are intended only for individuals aged 18 years or above. We do not knowingly collect personal data from children. If you believe a child has shared information with us, please contact us and we will delete it.
14Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our services or in the law. The revised version will be posted on this page with a new "Last updated" date. Where changes are significant, we will notify you through the website or by email.
15Grievance Officer & Contact
If you have any questions, requests or complaints about this Policy or how your data is handled, please contact our Grievance Officer. We will acknowledge your complaint within 48 hours and aim to resolve it within 30 days.
If you are not satisfied with our response, you may approach the Data Protection Board of India once it is operational, or any other authority as permitted by law.