1 About Loan81
Loan81 operates as a loan advisory, loan assistance, and loan facilitation platform. Loan81 may assist customers in understanding available loan options and may facilitate communication or enquiries between customers and banks, Non-Banking Financial Companies (NBFCs), financial institutions, lending partners, or other relevant service providers.
Statutory Status & Non-Lender Disclosure:
Loan81 is not itself a bank, NBFC, or lender and does not directly provide, sanction, approve, or disburse loans. Any loan approval, sanction, loan amount, interest rate, tenure, fees, repayment terms, documentation requirements, and other conditions are determined solely by the relevant lender or financial institution.
2 Information We Collect
A. Information You Provide:
Full name, mobile number, email address, age or date of birth, residential or business location, employment details, business details, monthly income or business turnover, loan amount required, purpose of the loan, existing loan information, credit-related information voluntarily provided by you (such as estimated CIBIL/credit score range), identity or KYC-related information where required, documents submitted in connection with a loan enquiry, information provided through enquiry forms, telephone calls, WhatsApp, email, or other communication channels, and any other information voluntarily provided.
B. Information Collected Automatically:
IP address, browser type, device type, operating system, website pages visited, date and time of access, referring website, approximate usage information, cookies, and similar technologies.
3 How We Use Your Information
Responding to enquiries; understanding loan requirements; identifying potentially suitable products; assisting with the application process; facilitating communication with banks/NBFCs/lending partners; contacting you regarding your enquiry; verification; customer support; improving the website and services; maintaining records; preventing fraud and misuse; internal analytics; complying with legal/regulatory requirements; sending service-related and (where permitted) promotional communications.
4 Loan Enquiries and Sharing of Information
Submitting an enquiry authorizes us, subject to law and your consent, to use your information to process, evaluate, and facilitate it. We may share relevant information with banks, NBFCs, financial institutions, or lending partners relevant to your requirements. Submitting an enquiry does not guarantee loan approval, sanction, disbursement, or any particular loan terms.
5 Information Sharing
We may share information with banks, NBFCs, financial institutions, lending partners, authorized representatives, service providers assisting our operations, technology/hosting providers, communication/support providers, analytics providers, professional advisors, and government/regulatory/law-enforcement authorities where required by law.
Strict Non-Commodity Commitment: We do not intend to sell your personal information as a standalone commodity.
6 Consent & DND Permissions
Where law requires consent, we will seek it — via forms, checkboxes, electronic communication, telephone, or other legally permissible methods. By checking our consent boxes and submitting your telephone number on our forms, you authorize communications concerning your loan inquiry overriding any national DND / NDNC registration.
You may withdraw consent at any time by writing to loan81.info@gmail.com, subject to law, though this may affect our ability to continue processing your enquiry.
7 Cookies
Used for website functionality, remembering preferences, analytics, understanding behaviour, improving performance/experience, and (where applicable) marketing. Controllable via browser settings.
8 Data Security
Reasonable technical and organizational measures are used, though no system is completely secure.
Never Share Banking Credentials:
Loan81 will never ask you for any OTP, UPI PIN, ATM PIN, internet banking password, CVV, card PIN, or similar credentials — never share these with anyone claiming to guarantee a loan.
9 Data Retention
Retained as long as reasonably necessary for services, records, disputes, fraud prevention, legal/regulatory compliance, agreement enforcement, and legitimate business interests — then deleted, anonymized, or securely disposed of.
10 Your Rights
Subject to law: access, correction, deletion (where permissible), consent withdrawal, complaints, and other rights under applicable data-protection law. To submit a request, contact loan81.info@gmail.com.
11 Third-Party Websites and Services
We don't control third-party privacy practices linked from our Platform — review their policies independently.
12 Communication with Customers
Via call (8368250300), SMS, WhatsApp, email (loan81.info@gmail.com), or other permissible channels. Promotional communications are subject to your preferences and applicable law; opt-out available on request.
13 Children's Privacy
The Platform is intended for adults capable of entering financial arrangements; we don't knowingly collect data from children for these purposes.
14 Changes to This Privacy Policy
Updated periodically to reflect changes in services, technology, practices, or law — republished here with a revised date.
15 Contact Us
For privacy inquiries, loan support, or grievance redressal, please contact:
Loan81
Office: Dwarka Mor, New Delhi 110059
16 Important Loan Disclaimer
Loan81 is a loan advisory and assistance platform. Loan81 does not itself provide, sanction, approve, or disburse loans. Loan approval and final terms are determined by the respective bank, NBFC, or lender. Review the loan agreement, Key Facts Statement, interest rate, fees, and other terms carefully before accepting any loan.
Google Ads Financial Services Compliance Summary
Loan Repayment Period:
Minimum period: 6 Months (180 Days)
Maximum period: 60 Months (5 Years) for Personal/Business Loans; up to 30 Years for Home Loans.
Annual Percentage Rate (APR):
Indicative APR ranges from 10.49% p.a. to 24% p.a. depending on applicant credit profile and bank underwriting criteria.
Payday Lending Prohibition:
Loan81 strictly does NOT promote, facilitate, or offer short-term personal loans requiring full repayment in 60 days or less.
Zero Upfront Fee Guarantee:
Loan81 does not charge any upfront cash or fee for issuing loan advice or eligibility checks.
Representative Loan Cost Example: For a Personal Loan of ₹1,00,000 sanctioned for a tenure of 12 months at an interest rate of 10.5% p.a. with a processing fee of 1% (₹1,000 + GST):
• Monthly EMI: ₹8,815 | • Total Interest Payable: ₹5,779 | • Total Amount Repaid: ₹1,05,779 (excluding statutory taxes and processing fee).
By accessing or using the Platform or submitting your information to us, you acknowledge that you have read and agreed to this Privacy Policy.
