Privacy Policy

This Privacy Policy explains how SouthIndiaLoans.com ("we", "our", "us") collects, uses, stores and protects information about the users of our website and loan enquiry service. By using this website or submitting an enquiry, you agree to the practices described here. If you do not agree, please do not submit personal information through our site.

1. Who we are

SouthIndiaLoans.com is a loan enquiry and loan assistance service, not a bank, NBFC or lender. We collect loan enquiries and, with your consent, share them with partner banks, NBFCs and other financial institutions who may contact you about your requirement. We are located at Chinnamarket, Coimbatore - 641045, Tamil Nadu, India and can be reached at info@southindialoans.com or +91 9150921761.

2. Information we collect

We collect only the information we reasonably need to process your loan enquiry:

• Contact details: your name, mobile number and city.
• Enquiry details: employment / business type, loan type, loan amount required and any message you choose to send us.
• Voluntary information: anything else you share with our team over phone, WhatsApp or email in connection with your enquiry.
• Technical information: your IP address, browser type, device and pages visited, collected through cookies and analytics tools described in section 5 below.

We do not collect sensitive financial credentials such as internet banking passwords, OTPs, PINs, CVV numbers or card details. We never ask for these.

3. Why we collect it

• To respond to your enquiry and provide loan assistance and guidance.
• To match your requirement with suitable lender partners (only with your consent).
• To verify that submissions are genuine and to prevent spam, fraud and abuse.
• To improve our website, content and services.
• To comply with legal and regulatory obligations.

4. How your information is used

Your enquiry details are used primarily to process the enquiry and connect you with suitable lending partners. Our team may call or message you to clarify your requirement or share guidance. We do not sell your personal information to third parties for purposes unrelated to this service.

Sharing with lender partners

When you submit an enquiry, we share the minimum necessary details (such as your name, mobile number, city, loan type and amount, and employment type) with partner banks, NBFCs and other financial institutions so they can evaluate your requirement and contact you. This sharing happens only after you give consent through the enquiry form, and it is limited to what is needed for enquiry matching. The lender becomes a separate data controller for the information you later provide directly to them, and their privacy policies will apply at that stage.

5. Cookies, analytics and consent mode

Our website uses cookies and similar technologies. Some cookies are strictly necessary for the website to function (for example, the session and security tokens that protect form submissions). We use Google Analytics 4 (GA4) to understand how visitors use the site and to improve it. GA4 operates in consent mode: analytics and advertising cookies only activate where permitted by your consent choices, and Google does not use your data for purposes you have not approved.

Third-party resources such as web fonts and icon libraries are loaded from CDN providers, and those providers may log standard request information. You can control or delete cookies through your browser settings. Blocking analytics cookies will not stop the website from working.

6. Data retention

We retain personal information only for as long as reasonably necessary to process your enquiry, to provide assistance, to comply with legal, regulatory and audit requirements, and to resolve disputes. When information is no longer needed for these purposes, we securely delete it or anonymise it so that it can no longer be linked to you. Aggregated, anonymised statistics may be kept for reporting purposes.

7. Data security

We apply reasonable technical and organisational measures to protect your information - including HTTPS in transit, restricted access, and protection against abuse such as rate limiting, CSRF tokens and honeypot checks on our forms. No method of transmission or storage is completely secure, so while we work hard to safeguard your data we cannot guarantee absolute security.

8. Your rights

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to legal or regulatory retention requirements.
• Withdraw consent to future processing or sharing of your information at any time.
• Raising concerns with the appropriate authority if you believe your data has been mishandled.

To exercise any of these rights, contact us at info@southindialoans.com with your name and mobile number so we can locate your records. We may need to verify your identity before acting. We will respond as soon as reasonably possible and within the period required by applicable law.

9. Children's information

This service is intended for adults who are eligible to enter into financial arrangements. We do not knowingly collect personal information from children. If you believe a minor has provided us with personal information, please contact us so we can remove it.

10. Third-party links

Our website may link to external sites (such as lender websites or regulatory portals). We are not responsible for the privacy practices or content of those sites. Please review their policies before providing them your information.

11. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in law, technology or our practices. The "last updated" date at the top of this page will always reflect the most recent revision. Material changes will be highlighted on this page.

12. Contact for privacy concerns

For any question, request or complaint about your privacy, contact us at info@southindialoans.com or +91 9150921761, or by post at Chinnamarket, Coimbatore - 641045, Tamil Nadu, India. Please mention "Privacy" in the subject line.