Privacy Policy

Last updated: 26 September 2026

Introduction

This Privacy Policy explains how LoanServ ("LoanServ", "we", "us" or "our"), operating the website loanserv.in, collects, uses, shares and safeguards your personal information. LoanServ is a Direct Selling Agent (DSA) and loan facilitator based in Hyderabad, Telangana. We are not a lender, bank or NBFC. We help connect prospective borrowers with our partner banks and Non-Banking Financial Companies (NBFCs), who take all lending decisions independently.

By using loanserv.in or submitting any information through our forms, you consent to the practices described in this policy. If you do not agree, please do not use the website or share your information with us.

Information We Collect

We collect only the information we need to help you explore loan options and to operate our website. This includes:

  • Contact and identity details you enter into our apply-lead form: your name, mobile number, email address, city, employment type and the loan amount or product you are interested in.
  • Chat messages you type into our AI chat assistant, and the contact and loan details you enter into its callback form (see "AI Chat Assistant" below).
  • WhatsApp messages you send to our WhatsApp number, and your WhatsApp profile name (see "WhatsApp Assistant" below).
  • Referral details a partner shares with us at your request (see "Referrals from Our Partners" below).
  • Call recordings and transcripts of automated callbacks you consented to, with details you share on the call (see "Automated Voice Callback" below).
  • Technical and usage data collected automatically: IP address, browser type, device information, pages visited, referring URLs and time spent on pages. When you submit a form, we also record how you reached our site (for example, a search engine, an advertisement or a partner's referral link) along with your enquiry.
  • Cookie-based data gathered through our own and third-party cookies (see below and our Cookie Policy).

We do not knowingly collect information from anyone under 18 years of age.

Cookies, Google Analytics and Advertising

Our website uses cookies and similar technologies to function correctly, understand traffic and display advertising.

  • Essential cookies keep the site working, remember your form progress and maintain security.
  • Analytics cookies are set through Google Analytics, which helps us understand how visitors use loanserv.in so we can improve it. Google Analytics collects aggregated, largely pseudonymous usage statistics.
  • Advertising cookies are set through Google AdSense and other third-party ad vendors. Google and its partners use cookies (including the DoubleClick/__gads family) to serve ads based on your prior visits to our and other websites. These vendors may use device identifiers to deliver and measure interest-based advertising.

You can control or disable cookies through your browser settings and can opt out of personalised Google advertising via Google's Ads Settings. Full details, cookie categories and opt-out links are in our Cookie Policy.

AI Chat Assistant

Our website offers an optional chat assistant that answers general questions about loans, EMIs, credit scores and our service. Please note:

  • It is an automated AI system, not a person. Its answers are general information drawn from the content on loanserv.in. They may be incomplete or inaccurate, and they are not financial, legal or tax advice, a loan offer or an approval.
  • Your messages are processed by an AI provider. To generate replies, the messages you type are sent to Sarvam AI (sarvam.ai), which processes them on our behalf as our service provider.
  • We remove identifiers first. Before any message is sent to the AI provider, we automatically remove mobile numbers, email addresses, PAN, Aadhaar and card numbers, and long account-style numbers. Please do not share Aadhaar, PAN, bank account details, OTPs or passwords in the chat.
  • Your contact details are not sent to the AI provider. If you ask for a callback, the name, mobile number and email you enter in the callback form come directly to us. Loan details you mentioned in the chat (such as amount or city) may be suggested in the form for you to check.
  • We do not keep chat history on our servers. A conversation lasts only while your browser tab is open. If you request a callback, a copy of the conversation (with the identifiers above removed) is attached to your enquiry so our advisor understands your requirement. It is then kept and handled like any other enquiry, as described in this policy.
  • Callbacks need your consent. We contact you only if you tick the consent box in the callback form. This is the same consent as our apply form, including an automated AI voice callback.

Using the chat is optional; you can always reach us through the apply form, phone, WhatsApp or email instead.

WhatsApp Assistant

If you message our WhatsApp number, an automated AI assistant replies:

  • Who processes your messages: WhatsApp (Meta) delivers them. To generate replies, your messages are processed by our AI provider (Sarvam AI) after the identifiers listed in the chat section are removed.
  • What we keep: your WhatsApp number, profile name and the most recent messages of the conversation, so the assistant can follow what you've said.
  • When you become an enquiry: only if you tap "Yes, call me" after reading the consent message, which uses the same wording as our apply form, including the automated AI voice callback. The conversation is then attached to your enquiry.
  • Opting out: reply STOP at any time. We'll add your number to our do-not-call list.

The assistant only replies to messages you send; we don't start WhatsApp conversations with you.

Referrals from Our Partners

A referral partner (for example, a builder, car dealer or CA) may share your name, mobile number and loan requirement with us when you ask them to. We do not contact you on the basis of a referral alone.

  • You receive a confirmation link, usually from the partner.
  • Only if you open it and tick the consent box, with the same wording as our apply form, does your referral become an enquiry.
  • If you choose "don't contact me", we add your number to our do-not-call list.
  • Links expire after 7 days, and unconfirmed referrals are never used to contact you.

The partner can see whether you confirmed, but not your full mobile number.

Automated Voice Callback

If you tick the consent box on our apply form or chat callback form, we may call you back shortly afterwards using an automated AI voice assistant:

  • When: only between 8:00 AM and 7:00 PM IST, about the enquiry you just submitted.
  • Who is calling: the assistant says at the start that it is LoanServ's automated assistant, that LoanServ is a loan facilitator and not a lender, and that the call may be recorded. It asks a few questions (loan amount, purpose, income, existing EMIs, a good time for an advisor to call) so a human advisor can follow up with suitable options. It cannot approve a loan or quote a final rate.
  • What we share to place the call: your mobile number and the enquiry details you gave us (name, loan type and amount, city, employment and income details, purpose, and your consent record). These go to our voice-call platform (Dograh) and our telephony provider. The conversation is processed by an AI provider (Sarvam AI) for speech recognition, speech and replies. We do not share your email address for the call.
  • Recording and transcript: the call is recorded and transcribed. A summary, the details you gave, and links to the recording and transcript are sent to our team, then handled and retained like any other enquiry, as described in this policy.
  • Your choice: you can end the call at any time, or say you don't want to be called; we will not call you again about that enquiry. Please do not share Aadhaar, PAN, bank details or OTPs on the call.

How We Use Your Information

We use the information we collect to:

  • Pass your loan enquiry to relevant partner banks and NBFCs so they can evaluate and contact you.
  • Respond to your queries, calls and support requests, including through our AI chat assistant.
  • Understand which channels (search, advertising, partners) bring enquiries to us.
  • Display indicative rates, eligibility and offers relevant to you. Indicative figures are illustrative only and are not an offer or approval.
  • Operate, secure, analyse and improve the website, including briefly processing IP addresses to block spam and repeated automated requests.
  • Alert our advisors to new enquiries so they can call you back quickly.
  • Comply with applicable law and lawful requests.

How We Share Leads with Partner Banks and NBFCs

The core purpose of LoanServ is facilitation. When you submit the apply-lead form, you authorise us to share your enquiry details with our partner banks and NBFCs and their authorised representatives, so that they may assess your eligibility and contact you regarding loan products.

Once a lead is shared, the partner lender processes your information under its own privacy policy and terms, over which LoanServ has no control. Loan approval, interest rates, charges and final terms are determined solely at the discretion of the partner bank or NBFC. We may also share data with service providers who host our site, provide analytics and advertising, provide AI services (such as Sarvam AI, which powers our chat assistant and voice callbacks), place automated calls (our voice-call platform and telephony provider), store enquiries securely (our cloud database provider, Supabase), or notify our team of new enquiries (Telegram), and with authorities where legally required. We do not sell your personal information.

Data Retention

We store enquiries and their consent records in a secure cloud database (Supabase) that only our team can access. If you ask not to be called, including by saying so on an automated call, we keep your mobile number on a do-not-call list for as long as needed to honour that request, so that we do not call you again.

We retain lead and contact information only for as long as necessary to facilitate your enquiry, to allow partner lenders to follow up, and to meet legal or record-keeping obligations. Aggregated analytics data may be retained for longer as it does not identify you directly.

Data Security

We use reasonable technical and organisational measures, including HTTPS/TLS encryption for data in transit, to protect your information against unauthorised access, loss or misuse. However, no method of internet transmission or storage is completely secure, and we cannot guarantee absolute security.

Your Rights

Subject to applicable Indian law, you may:

  • Request access to the personal information we hold about you.
  • Request correction of inaccurate or outdated information.
  • Withdraw consent for marketing contact at any time.
  • Request deletion of your information where we are not required to retain it.
  • Object to certain processing, including interest-based advertising.

To exercise any of these rights, contact us using the details below. We will respond within a reasonable time.

Third-Party Links

Our website and communications may contain links to partner lenders and other third-party websites. We are not responsible for the content or privacy practices of those sites. Please review their policies before sharing information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or the law. The "updated" date above indicates the latest revision. Continued use of loanserv.in after changes means you accept the revised policy.

Grievances and Contact

For any privacy question, request or complaint, please contact our grievance point of contact:

  • Email: contact@loanserv.in
  • Address: LoanServ, City Homes Sai Kastle, Bandari Layout, Nizampet, Hyderabad – 500090, Telangana, India.

We take every grievance seriously and will make reasonable efforts to resolve it promptly.