Privacy Policy

ZeroFees ("we", "us", "our") operates a loan comparison and application platform. This Privacy Policy explains what personal information we collect, how we use it, and the choices you have.

1. Information We Collect

We collect the following categories of information:

• Account information: name, email, phone number, and password (stored encrypted) when you register.
• Loan application information: date of birth, address, employment details, income, and any documents you upload (PAN, Aadhaar, salary slips, bank statements) when you apply for a loan.
• Usage information: pages visited, device and browser information, and IP address, collected automatically.
• Communications: messages you send us through the contact form, including your name, email, and phone number.

2. How We Use Your Information

• To process and submit your loan applications to the bank you select.
• To verify your identity and email address, including via one-time passwords (OTPs).
• To manage your account, wallet, and cashback balance.
• To communicate with you about your application status and account activity.
• To improve our platform and detect fraudulent activity.

3. Sharing Your Information

We share your loan application information only with the specific bank or lending partner you choose to apply with. We do not sell your personal information to third parties. We may share information with service providers who help us operate the platform (e.g. cloud storage, email delivery), bound by confidentiality obligations.

4. Data Security

We use industry-standard measures to protect your information, including encrypted storage of passwords and secure transmission of data. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements.

6. Your Rights

You may access, update, or request deletion of your personal information through your account settings, or by contacting us directly. Deleting your account deactivates it; certain records may be retained where required by law or for legitimate business purposes.

7. Cookies

We use cookies and similar technologies to keep you signed in and to understand how our platform is used. You can control cookies through your browser settings.

8. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last updated" date.

10. Contact Us

If you have questions about this Privacy Policy, please reach out via our Contact page.