Privacy Policy.
Version 2.1 — Effective from March 4, 2026
1. Data Collection & Purpose
We collect identity (PAN, Aadhaar), employment, and income data strictly for credit assessment. This data allows our RBI-registered partners to provide pre-approved offers without a 'hard pull' on your credit bureau profile until you explicitly apply.
2. Secure Profile Protocol
Your data is stored using AES-256-GCM encryption. We operate on a 'Zero-Knowledge' principle where your contact details are masked from lenders until you approve their specific bid or offer.
3. Digital Lending Guidelines (RBI)
In compliance with RBI's 2022 Digital Lending Guidelines, Eligify acts as a Lending Service Provider (LSP). We ensure all data stays within Indian borders and provide clear disclosures on APR and repayment terms of our partners.
4. DPDP Act & Data Sovereignty
As per the Digital Personal Data Protection Act, you have the right to access, correct, and erase your data. We obtain explicit, purpose-linked consent before every major data sharing event.
Bi-directional Consent Hierarchy
By using Eligify, you authorize us to share your lead details with Banks/NBFCs and simultaneously authorize them to share your application status back with us. This "Status Post-back" is critical for fraud prevention and ensuring your credit roadmap remains accurate.
Contact & Grievances
If you believe your data has been handled incorrectly or wish to exercise your rights under the DPDP Act, contact our Nodal Officer immediately.
Nodal Officer
Grievance Redressal Team
nodal@eligify.in
Physical Address
Eligify Fintech Solutions Pvt Ltd,
Chennai, Tamil Nadu, India.