Privacy Policy
Effective Date: January 1, 2026 | Last Updated: August 2, 2026
1. Introduction
Welcome to Mallu Finance. We respect your privacy and are strictly committed to protecting your personal data. This Privacy Policy outlines how we collect, use, process, and safeguard your information when you visit our website or use our loan aggregation services.
2. Information We Collect
To provide you with secure financial aggregation services, we collect various types of information, including:
- Account Information: When you register via Google Sign-In, we collect basic profile details including your name, email address, and profile picture provided by Google.
- Financial & Application Data: Information you voluntarily provide when applying for a loan, such as employment status, income details, CIBIL score estimations, and identifying documents (e.g., PAN Card, Aadhar Card).
- Usage Data: Automatically collected data regarding how you interact with our platform (IP addresses, browser types, and usage patterns).
Note on Google OAuth Data: Our use and transfer to any other app of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.
3. How We Use Your Information
We utilize the data we collect solely for the purpose of facilitating our services. Specifically, we use your information to:
- Create and manage your Mallu Finance account.
- Match your financial profile with suitable loan products from our RBI-registered bank and NBFC partners.
- Communicate with you regarding your application status, account updates, and customer support inquiries.
- Audit and monitor our platform to prevent fraud and ensure platform security.
4. Information Sharing and Disclosure
As a loan aggregator, we must share your application data with our trusted lending partners (Banks and NBFCs) to process your loan requests. We guarantee that:
- We do not sell your personal data to third-party marketers or data brokers.
- Data is only shared with our verified lending partners after you explicitly submit a loan application.
- We may disclose information if required to do so by law, or in response to valid requests by public authorities (e.g., a court or government agency).
5. Data Security
Your data security is our top priority. All user authentication and database management is secured via Supabase. We implement industry-standard encryption protocols and robust physical and digital security measures to prevent unauthorized access, alteration, disclosure, or destruction of your personal information.
6. Your Data Rights
You have the right to access, update, or request the deletion of your personal data at any time. Data accessibility and deletion requests can be initiated by contacting our support team. Upon your request, we will permanently remove your account and associated data from our active databases, subject to any legal retention requirements.
7. Changes to This Privacy Policy
We may update our Privacy Policy periodically to reflect changes in our practices or relevant financial regulations. We will notify you of any significant changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top.
8. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your data, please contact us:
- By email: support@mallufinance.online
- By phone: +91 9544580468
- By mail: Mallu finance hub, Vallachira, Thrissur, Kerala, India