Privacy Policy

Compliant with the Digital Personal Data Protection Act, 2023 (DPDP Act 2023)

Last Updated: 17 January 2026

1. Introduction

SuyogyaMicro Federation ("we," "our," or "us") is committed to protecting your personal data and privacy. This Privacy Policy explains how we collect, use, process, store, and protect your personal information in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act 2023) and other applicable laws and regulations.

By using our website, digital portal, or applying for our loan products, you consent to the collection and use of your personal data as described in this Privacy Policy.

2. Personal Data We Collect

We collect the following categories of personal data for loan application, credit assessment, and service delivery:

  • •Identity Information: Name, date of birth, gender, PAN, Aadhaar number, voter ID, driving license, and other government-issued identification documents.
  • •Contact Information: Residential address, permanent address, email address, phone numbers, and emergency contact details.
  • •Financial Information: Bank account details, income statements, employment details, business information, and financial transaction history.
  • •Credit Information: Credit history, credit scores, existing loan details, repayment history, and information obtained from Credit Information Companies (CICs).
  • •Technical Information: IP address, browser type, device information, cookies, and usage data when you visit our website.

3. Purpose of Data Collection and Use

We use your personal data for the following lawful purposes:

  • •Credit Assessment: To evaluate your creditworthiness, assess loan eligibility, and determine loan terms and conditions.
  • •Loan Processing: To process your loan application, verify your identity, and disburse loans.
  • •Credit Bureau Reporting: To share your loan and repayment information with Credit Information Companies (CICs) as required by law and industry practice.
  • •Service Delivery: To provide customer support, send notifications, and manage your loan account.
  • •Legal Compliance: To comply with applicable laws, regulations, and regulatory requirements.
  • •Fraud Prevention: To detect, prevent, and investigate fraudulent activities and security threats.

4. Data Sharing with Credit Information Companies (CICs)

As part of our credit assessment and reporting obligations, we share your personal and credit information with registered Credit Information Companies (CICs) such as:

  • •Credit Information Bureau (India) Limited (CIBIL)
  • •Equifax Credit Information Services Private Limited
  • •Experian Credit Information Company of India Private Limited
  • •CRIF High Mark Credit Information Services Private Limited

This sharing is necessary for credit assessment, credit reporting, and compliance with regulatory requirements. By applying for a loan, you consent to such sharing of your data with CICs.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction, including:

  • •Encryption of sensitive data in transit and at rest
  • •Secure access controls and authentication mechanisms
  • •Regular security audits and vulnerability assessments
  • •Employee training on data protection and privacy
  • •Restricted access to personal data on a need-to-know basis

6. Your Rights Under DPDP Act 2023

You have the following rights regarding your personal data:

  • •Right to Access: You can request access to your personal data that we hold.
  • •Right to Correction: You can request correction of inaccurate or incomplete personal data.
  • •Right to Erasure: You can request deletion of your personal data, subject to legal and contractual obligations.
  • •Right to Grievance Redressal: You can file a complaint regarding our data processing practices.

To exercise these rights, please contact us using the contact information provided in Section 9.

7. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Credit information may be retained as required by regulatory guidelines and for credit reporting purposes.

8. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie preferences through your browser settings.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: Suyogyamicrofederation@gmail.com

Phone: 9694586378

Registered Office: Mohan Vatika ke pas, Samode Road, Chomu, Jaipur, Rajasthan 303702

CIN: U88900RJ2025NPL107929

10. Updates to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a revised "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated Privacy Policy.