Legal

Privacy Policy

How we collect, use, and protect your personal information.

Last updated: June 29, 2025

1. Introduction

NR Innovative Solutions(“we,” “us,” or “our”) operates this website to provide loan consultancy and advisory services across India. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a loan application, use our calculators, or contact us by phone or WhatsApp.

By using our website or sharing your details with us, you agree to the practices described in this policy. If you do not agree, please do not use our services or submit personal information through our site.

2. Information We Collect

We may collect the following types of information:

  • Contact details: name, phone number, email address, city, and state.
  • Loan-related information: loan type, loan amount, employment type, income range, and other details you provide in application or enquiry forms.
  • Calculator usage data: information you enter to unlock calculator results, such as email, phone, and loan requirements.
  • Communications: messages sent via phone, WhatsApp, or other channels when you reach out for consultation.
  • Technical data: browser type, device information, IP address, and pages visited, collected automatically when you browse our site.

3. How We Use Your Information

We use the information we collect to:

  • Respond to your loan enquiries and provide free consultancy
  • Assess eligibility and match you with suitable banks or NBFCs from our partner network
  • Coordinate documentation, application submission, and follow-up with lenders
  • Improve our website, calculators, and customer experience
  • Send service-related updates by phone, SMS, email, or WhatsApp where permitted
  • Comply with applicable laws, regulations, and lender requirements

4. Sharing of Information

We do not sell your personal information. We may share your details only when necessary to deliver our services, including with:

  • Partner banks and NBFCs: to process loan applications, credit assessment, and disbursement
  • Service providers: such as hosting, communication, or technology partners who assist our operations under confidentiality obligations
  • Legal authorities:when required by law, court order, or to protect our rights and users' safety

Once information is shared with a lender for processing, that lender's own privacy policy will also apply.

5. Data Retention

We retain your information only for as long as needed to provide consultancy services, complete loan processing, resolve disputes, and meet legal or regulatory requirements. When data is no longer required, we take reasonable steps to delete or anonymize it.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Cookies and Similar Technologies

Our website may use essential cookies and similar technologies to enable basic functionality and improve browsing experience. We do not use third-party advertising cookies. You can control cookies through your browser settings, though disabling them may affect certain site features.

8. Your Rights and Choices

Subject to applicable law, you may have the right to:

  • Request access to the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Request deletion of your information, where legally permitted
  • Withdraw consent for marketing communications at any time

To exercise these rights, contact us using the details in the Contact section below.

9. Third-Party Links

Our website may contain links to third-party websites, including partner banks, WhatsApp, and other external services. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies before sharing information.

10. Children's Privacy

Our services are intended for individuals aged 18 and above. We do not knowingly collect personal information from minors. If you believe we have received information from a minor, please contact us so we can remove it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The revised version will be posted on this page with an updated “Last updated” date. Continued use of our website after changes constitutes acceptance of the updated policy.