Privacy Policy
Last updated: 4 July 2026
This Privacy Policy explains how StarkLoan ("we", "us", "our") collects, uses, stores, and shares your personal information when you use our website or submit a loan enquiry through it.
StarkLoan is a loan facilitation service. We are not a bank or NBFC. We do not sanction or disburse loans. We connect you with our RBI-regulated bank and NBFC partners who make the final lending decision.
1. Information We Collect
When you use our loan application form, we may collect:
- Contact details: full name, phone number, city
- Loan details: loan type, amount required, employment type, monthly income range, existing loan information
- Identity and financial documents that you voluntarily upload, which may include: Aadhaar card, PAN card, salary slips, Form 16, bank statements, income tax returns (ITR), business/firm registration documents (Udyam / GST / BRN / Shop Act licence), and a passport-size photograph
- Technical and usage data: IP address, device/browser type, and on-site behaviour, collected automatically through analytics and advertising tools (see Section 6)
2. A Note on Aadhaar
Aadhaar is one of several accepted proofs of identity — you are never required to submit your Aadhaar specifically, and may provide any other government-recognised photo ID instead if you prefer. Where you choose to upload your Aadhaar, we use it solely as a supporting KYC document to forward to your chosen lending partner for their own verification process. We do not use Aadhaar for e-KYC/biometric authentication, and we do not store or process Aadhaar numbers for any purpose beyond this facilitation.
3. How We Use Your Information
- To assess your loan requirement and match you with a suitable RBI-regulated bank/NBFC partner
- To share your application and documents with the partner lender you are being connected to, solely for processing your loan request
- To contact you by phone call, WhatsApp, SMS, or email regarding your application status
- To improve our website and services, and measure the effectiveness of our advertising
- To comply with applicable law, regulation, or a valid request from a government or regulatory authority
4. Legal Basis for Processing
By filling in the application form and/or uploading documents, you provide your explicit, informed consent for us to collect, process, and share your information as described in this Policy, in accordance with the Digital Personal Data Protection Act, 2023 ("DPDP Act") and other applicable Indian law.
5. Sharing and Disclosure
We share your information only with:
- The specific RBI-regulated bank(s) or NBFC(s) relevant to processing your loan application
- Service providers who help us operate our systems (for example, secure cloud storage and spreadsheet infrastructure), bound to confidentiality
- Government or regulatory authorities, where required by law
We do not sell, rent, or share your personal information with unrelated third parties for their own marketing purposes.
6. Cookies and Analytics
Our website may use Google Analytics and Meta (Facebook) Pixel to understand site traffic and measure advertising performance. These tools may place cookies on your device and collect information such as pages visited and general location. You can control or disable cookies through your browser settings. Disabling cookies will not affect your ability to submit a loan enquiry.
7. Data Storage and Security
Your information is stored on access-restricted, cloud-based infrastructure. We apply reasonable technical and organisational measures to protect your data, including restricted access controls and secure transmission (HTTPS). However, no method of storage or transmission over the internet is 100% secure, and we cannot guarantee absolute security.
8. Data Retention
We retain your personal information and documents only for as long as necessary to process your loan enquiry and to meet our record-keeping obligations to our lending partners and regulators, after which they are deleted or anonymised. You may request earlier deletion of your data by contacting us (Section 11), subject to any legal record-keeping requirements that may apply.
9. Your Rights
Subject to applicable law, you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate or incomplete information
- Withdraw your consent and request erasure of your data, subject to legal/regulatory retention requirements
- Raise a grievance regarding how your data is handled (see our Grievance Redressal Policy)
10. Children's Privacy
Our services are intended only for individuals aged 18 years and above who are legally competent to enter into a loan agreement. We do not knowingly collect information from anyone under 18.
11. Contact Us
For any privacy-related questions, or to exercise your rights above, please contact our Grievance Officer:
| Grievance Officer | Kamlesh Mali |
|---|---|
| [Add email address] | |
| Phone | +91 70731 77874 |
| Registered address | Durga Nursery Road, Mangalam Fun Square, Udaipur, Rajasthan – 313001 |
12. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top reflects the most recent revision. Continued use of our website after changes constitutes acceptance of the updated Policy.
13. Governing Law
This Policy is governed by the laws of India, and any disputes arising from it are subject to the exclusive jurisdiction of the courts at Udaipur, Rajasthan.