Privacy Policy

1. Introduction

Surge Fintech Private Limited, a company incorporated under the Companies Act, 2013, bearing CIN U66190HR2025PTC128326, having its registered office at Innov8 Orchid Center, 3rd Floor, Sec-53, DLF QE, Gurgaon, Haryana – 122002 (hereinafter referred to as the “Company”, “We”, “Us”, “Our”, or “ProLend”).

The Company owns and operates the ProLend website https://prolend.in/ (“Website” or “Platform”).

The Company facilitates access to credit-related services and allied financial services through its Website (“Services”) to Users (“User”, “You”, “Your”).

2. Acceptance of Privacy Policy

By accessing or using the Website, You acknowledge that You have read, understood, and agreed to this Privacy Policy.

This Privacy Policy shall be read in conjunction with the Terms & Conditions. By using the Website, You provide explicit consent to the collection, storage, processing, and disclosure of Your information in accordance with this Privacy Policy and applicable law.

3. Scope

This Privacy Policy applies solely to the Website operated by ProLend.

It does not apply to third-party websites, services, or platforms that may be linked through the Website, which are governed by their respective privacy policies.

4. Information We Collect

We collect the following categories of information:

4.1 Personal Information

Information that identifies or can reasonably identify an individual, including but not limited to:

1. Name, address, email ID, phone number
2. Financial and banking information
3. Credit-related and income-related information
4. Information submitted through forms or inquiries on the Website

4.2 Sensitive Personal Data or Information (SPDI)

As defined under applicable Indian IT laws, including:

1. Bank account and payment details
2. Credit/debit card or payment instrument details
3. Financial history and creditworthiness data
4. Any other information voluntarily provided for credit assessment

4.3 Technical & Usage Information

Automatically collected information such as:

1. IP address
2. Browser type and version
3. Device details
4. Pages visited, time spent, and navigation patterns
5. Referral source and usage logs

5. Methods of Collection

Information is collected:

1. Directly from You through forms, applications, or communication on the Website
2. Automatically through cookies and server logs
3. From third-party service providers (including KYC, credit bureaus, and verification partners)
4. From legally permitted public sources

6. Purpose of Processing

We process Your information for the following purposes:

1. To provide and operate credit-related Services
2. To verify identity (KYC/AML compliance)
3. To assess creditworthiness and risk
4. To process applications and transactions
5. To comply with legal and regulatory obligations
6. To detect and prevent fraud and misuse
7. To maintain security and integrity of the Website
8. To improve Services and user experience
9. To communicate service-related updates

7. Disclosure and Sharing of Information

We do not sell Your personal data.

We may share information only with:

7.1 Service Providers & Partners

Including KYC agencies, credit bureaus, payment processors, and technology vendors strictly for service delivery.

7.2 Regulatory & Legal Authorities

Where disclosure is required under applicable law, regulation, or court order.

7.3 Business Transfers

In case of merger, acquisition, restructuring, or sale of assets.

7.4 Consent-Based Sharing

Where You have explicitly consented to such sharing.

All third parties are required to maintain confidentiality and use data only for specified purposes.

8. Data Storage and Security

We implement reasonable security practices and procedures in line with applicable laws, including:

1. Encryption of sensitive data during transmission
2. Access control mechanisms
3. Secure server infrastructure hosted in India
4. Regular security monitoring and audits

While We take commercially reasonable steps to secure data, no system is completely immune to risks.

9. Cookies and Tracking Technologies

The Website uses cookies and similar technologies for:

1. Authentication and session management
2. Analytics and performance monitoring
3. Security and fraud prevention
4. Improving user experience

You may disable cookies through browser settings; however, certain features of the Website may not function properly.

10. Data Retention

We retain personal data only for as long as necessary for:

1. Fulfilment of the purposes stated in this Privacy Policy
2. Compliance with applicable legal, regulatory, and contractual obligations
3. Resolution of disputes and enforcement of agreements

11. User Rights

Subject to applicable law, You may:

1. Access Your personal information
2. Request correction of inaccurate information
3. Request deletion of Your data, subject to legal and financial obligations
4. Withdraw consent (where applicable), subject to lawful processing requirements

Requests may be submitted to the contact details provided below.

12. Data Security Breach

In the event of a data breach, We will take appropriate remedial measures and notify affected Users and/or authorities as required under applicable law.

13. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the privacy practices, content, or policies of such third parties.

14. Cross-Border Data Transfer

All data is primarily stored in India. In limited cases where data is processed outside India, We ensure appropriate safeguards in compliance with applicable law.

15. Grievance Redressal & Contact

For any privacy-related concerns or grievances, You may contact:

Grievance Officer: Ms Mamta Pandey
Phone: +91 8368179118
Email: Grievance@prolend.in

16. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be published on the Website with an updated effective date.