Privacy Policy

1. Introduction

Swagat Hire Purchase ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website or apply for our financial services.

2. Information We Collect

To provide fast and fair credit solutions, we collect the following types of information:

• Personal Details: Name, PAN Number, Aadhaar details, and contact information.
• Financial Information: Bank statements, income proofs, and credit history.
• Technical Data: IP address, browser type, and usage patterns via cookies.

3. How We Use Your Information

Your data allows us to fulfill our mission of providing affordable credit. Specifically, we use it to:

• Assess your loan eligibility and creditworthiness.
• Process 24-48 hour loan disbursals.
• Ensure compliance with financial regulations and governance standards.
• Improve our digital-first lending technology.

4. Data Sharing and Disclosure

We do not sell your personal data. We only share information with:

• Credit Bureaus (to check credit history).
• Regulators and legal authorities as required by law.
• Trusted service partners who assist in KYC and documentation.

5. Data Security

We maintain high standards of governance to protect underserved customers and MSMEs from data breaches.