Last Updated: January 2026

At Mallu Finance, we prioritize your data security. This policy outlines how we handle your personal information.

INTRODUCTION

Welcome to Mallu Finance (“we,” “us,” or “our”). We operate the websites www.mallufinance.online and www.mallufinance.com (collectively, the “Platform”). Important Notice regarding our Business Model: Mallu Finance is not a Bank, Non-Banking Financial Company (NBFC), or an insurance provider. We act solely as a technology bridge/intermediary connecting users with third-party RBI-regulated financial institutions. We do not lend money directly, nor do we issue credit cards or hold customer deposits. We are committed to transparency. This Privacy Policy explains how we handle—or more importantly, how we do not store—your information when you use our Platform..

NO DATA STORAGE POLICY

The core principle of Mallu Finance is Data Minimization. We Do Not Store Personal Data: Unlike traditional platforms, Mallu Finance does not save, archive, or retain your personal application data (such as Name, PAN, Aadhar, or Income details) in our internal databases. Pass-Through Technology: When you use our Platform to apply for a service, our website acts as a secure interface (or "bridge"). Any data you enter is transmitted in real-time directly to the respective RBI-regulated financial partner (Bank/NBFC) via secure Application Programming Interfaces (APIs) or through direct redirection to the partner's portal. No Permanent Record: Once the data is transmitted to the partner institution for processing, it is purged from our immediate view. We do not maintain a historical record of your sensitive personal documents or financial profiles.

INFORMATION WE COLLECT (AUTOMATED & TRANSIENT)

While we do not store your personal application forms, we may process specific limited data to facilitate the "bridge" service:
3.1 Transient Input Data : Information you type into our forms (e.g., Name, Phone Number, Employment Type) is collected strictly for the purpose of immediate transmission to the financial institution to check your eligibility. This data is processed in temporary memory and is not written to our long-term storage.
3.2 Technical & Analytics Data :To improve our website performance and ensure security, we may automatically collect non-personal technical data: IP Address & Device Info: To prevent fraud and identify the user's region. Referral Data: To track which marketing campaign brought you to our website. Cookies: Small text files stored on your browser to track user sessions and affiliate attribution (ensuring we are credited for connecting you to the bank).

HOW YOUR INFORMATION IS SHARED

Since we are a bridge, "sharing" is the primary function of our service. Sharing with RBI-Regulated Partners: You explicitly consent that when you submit an inquiry or application on our Platform, your data is effectively being submitted to our partner Banks, NBFCs, or Fintech companies. They become the "Data Controller" responsible for your information once it reaches their system. No Sale to Third Parties: We do not sell your data to spam call centers or unauthorized marketing agencies. Your data goes only to the specific institution you are applying with or the aggregation partner matching you with a lender.

THIRD-PARTY LINKS AND RESPONSIBILITY

This is the most important part of our policy. Our Platform may contain links, banners, or embedded forms that direct you to the websites of other companies (e.g., HDFC, SBI, Axis Bank, etc.). Once you leave our domains ( www.mallufinance.online / www.mallufinance.com ), this Privacy Policy no longer applies. Your interaction with those third-party websites is governed entirely by their privacy policies and terms of service. Mallu Finance is not responsible for the data security, privacy practices, or content of these external partner websites. We encourage you to read the privacy policy of every website you visit.

COOKIES

We use cookies primarily for Affiliate Tracking. When you click a link to a bank product, a cookie helps the bank understand that the customer came from Mallu Finance. You can choose to disable cookies through your browser settings, though this may affect the tracking of your application status.

CHILDREN'S PRIVACY

Our services are intended solely for individuals aged 18 and older. We do not knowingly facilitate financial services for minors.

CHANGES TO THIS POLICY

We may update this policy to reflect changes in our technology or legal requirements. Since we do not maintain a user email database, we encourage you to review this page periodically for the latest information.

DATA SECURITY

Since we are a bridge, "sharing" is the primary function of our service. Sharing with RBI-Regulated Partners: You explicitly consent that when you submit an inquiry or application on our Platform, your data is effectively being submitted to our partner Banks, NBFCs, or Fintech companies. They become the "Data Controller" responsible for your information once it reaches their system. No Sale to Third Parties: We do not sell your data to spam call centers or unauthorized marketing agencies. Your data goes only to the specific institution you are applying with or the aggregation partner matching you with a lender.

CONTACT US

If you have questions about this policy or want to report a technical issue regarding our websites, please contact us.
Company: Mallu Finance
Official Domains: www.mallufinance.online & www.mallufinance.com
Email: support@mallufinance.online
Address: Thrissur, Kerala,India
We doesn't have a physical address because,we performing as a neo tech company

DISCLAIMER

Mallu Finance is an independent marketing and referral platform. We do not approve loans or credit cards; approvals are at the sole discretion of the partner Banks/NBFCs. We are not a government entity.