Privacy Policy

AdapLoan is committed to handling your personal data with integrity and care. This Privacy Policy sets out what information we gather when you use the AdapLoan mobile application ("App"), how that information is used, how it is protected, and what rights you hold as a user.

By downloading or using the App, you accept the terms of this Policy. If you do not accept these terms, please remove the App from your device. This Policy should be read alongside our Terms of Service, which governs your use of our services.

AdapLoan is operated by SARADA CONFIN PVT LTD. Questions about this Policy may be directed to support@adaploan.com.

To verify who you are and set up your account, we collect your full name, date of birth, phone number, email address, and government-issued identification details. This information is transmitted over encrypted channels and stored securely at:

This data is used solely for identity verification, account creation, and regulatory compliance. It is never sold to third parties.

The App automatically collects technical details from your device, including its model, manufacturer, operating system version, IP address, and Google Advertising ID. These are used only to maintain App stability and platform security — never for advertising or credit decisions.

For security validation purposes, the App may collect limited technical metadata — such as package names and installation timestamps — from other apps on your device. This does not include the contents, accounts, or activity of those apps. This metadata is used solely to detect compromised device environments and is not used in any credit-related decisions.

If you need to upload identity documents, the App may request camera access. Images are encrypted before transmission to server.adaploan.com and are permanently deleted once verification is complete. The camera is never activated in the background, and no images are retained beyond the verification process.

With your consent, the App may collect general (coarse) location data to confirm service availability in your area. We do not collect precise GPS coordinates and never use location data for advertising, profiling, or credit decisions.

We collect anonymized data on how you interact with the App — screens visited, session length, and crash reports — to improve performance and user experience. This data is fully anonymized and has no bearing on credit decisions or your account standing.

We process your data exclusively for legitimate purposes. These include:

• Identity verification and eligibility checks before account approval
• Managing your revolving credit line and processing transactions
• Preventing fraud and protecting the security of our platform
• Responding to customer support requests and enquiries
• Improving the App, fixing bugs, and enhancing our services
• Fulfilling applicable legal and regulatory requirements

You may decline specific permissions. Doing so may limit certain App features but will not prevent general access to your account. Where you decline a permission, we will not use that data source.

We do not sell, rent, or trade your personal data to any third party for commercial purposes. We share your data only when strictly necessary, with the following categories of recipients:

• Authorized identity verification partners who confirm your documentation
• Technology providers supporting secure data storage and processing
• Regulatory or legal authorities when required by applicable law or court order

All third-party partners are contractually bound to strict confidentiality obligations and industry-standard security requirements. They may not use your data for any purpose beyond the services they provide to AdapLoan.

We apply industry-standard security measures to protect your data at every stage — from the moment it enters our systems to the moment it is deleted. These measures include:

• End-to-end encrypted data transmission using TLS/HTTPS protocols
• Role-based access controls ensuring only authorised personnel can view sensitive data
• Regular third-party security assessments and penetration tests
• 24/7 system monitoring with automated anomaly detection and alerting

Only personnel with a verified operational need can access sensitive user data, and all such access is logged and auditable. Despite these measures, no transmission over the internet can be guaranteed 100% secure — if you suspect unauthorized access, contact us immediately at support@adaploan.com.

We retain your personal data only for as long as necessary to fulfill the purposes described in this Policy or to meet applicable legal, regulatory, or contractual obligations.

Once your account is closed and all legal retention periods have been satisfied, your data is securely deleted or irreversibly anonymized. Specific retention periods vary depending on the category of data and the regulatory requirements that apply to it.

AdapLoan is exclusively for users aged 18 and above. We do not knowingly collect or process personal data from anyone under the age of 18. Our identity verification process is designed to prevent minors from accessing the platform.

If we discover that personal data belonging to a minor has been collected, we will delete it immediately and close the associated account without delay. If you believe a minor has accessed our services, please notify us at support@adaploan.com.

You hold the following rights in relation to your personal data held by AdapLoan:

• Access: Request a copy of the personal data we hold about you
• Correction: Ask us to correct inaccurate or incomplete information
• Deletion: Request erasure of your data where no legal obligation requires us to retain it
• Withdrawal of consent: Where processing is based on consent, you may withdraw it at any time

To exercise any of these rights or to ask questions about how we handle your data, please contact our support team:

We will respond to all verifiable requests within a reasonable timeframe and in accordance with applicable law. We may ask you to verify your identity before processing your request.

This Policy may be updated from time to time to reflect changes in our services, applicable laws, or regulatory requirements. When material changes are made, we will notify you through the App or by email before the changes take effect.

Minor clarifications or non-material updates may be made at any time without prior notice. The "Last updated" date at the top of this page always reflects the most recent revision. Continued use of the App after any update constitutes your acceptance of the revised Policy.

If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, our team is ready to help.