Effective Date: W.e.f. 17th Feb 2025

1. INTRODUCTION

Sumanju Technologies Private Limited (“Company,” “We,” “Us,” or “Our”) operates the platform “Liquify,” accessible via www.liquify.in and its associated mobile application (collectively, the “Platform”). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, store, and disclose your information in compliance with applicable laws, including the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and guidelines issued by the Reserve Bank of India (RBI).

2. Information We Collect

We collect various types of information to provide and improve our services:

• Personal Identification Information: Name, date of birth, gender, contact details (address, email, phone number).
• KYC Information: PAN number and mobile number. Additional identification details such as the last four digits of Aadhaar may be collected by our lender to process your loan applications.
• Financial Information: Investment details in financial assets (shares, mutual funds, bonds, insurance), income details, loan details, bank account information, and bank statements may be collected by our lender to process your loan applications.
• Device Information: IP address, browser type and version, cookie data, operating system, and device identifiers.

3. How We Use Your Information:

Your information is utilized for the following purposes:

• Service Provision: To process loan applications, verify your identity, assess creditworthiness, and manage your account.
• Regulatory Compliance: To adhere to legal obligations, including those mandated by the RBI and other regulatory bodies.
• Communication: To inform you about updates, offers, and other relevant information related to our services.
• Improvement of Services: To enhance our platform's functionality, user experience, and overall service quality.
• Security: To monitor and ensure the security of our platform and protect against fraudulent or unauthorized activities.

4. Information Sharing and Disclosure

We may share your information with:

• Authorized Partners: Third-party service providers involved in loan processing, KYC verification, payment processing, and other related services.
• Regulatory Authorities: As required to comply with applicable laws and regulations, including disclosures to the RBI and other governmental agencies.

We do not sell or rent your personal information to third parties for marketing purposes.

5. Data Retention & Deletion Policy

Your information is retained only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

• Active Loan Users: Data is stored securely for the duration of the loan.
• After Loan Closure: Retained for up to 5 years (as per RBI guidelines) to comply with audits.
• User Requests for Deletion: Users can request data deletion via support@liquify.in, subject to regulatory restrictions.

Deleted data is permanently removed from our servers within 90 days.

6. Loan specification

• Minimum amount: ₹25,000
• Maximum Annual Percentage Rate (APR): Upto 13%
• Tenure: 12 months & 36 months

7. Your Rights and Choices

You have the right to:

• Access and Update: Review and update your personal information.
• Withdraw Consent: Withdraw your consent for data processing, subject to legal and contractual restrictions.
• Data Deletion: Request the deletion of your data, provided it is no longer necessary for the purposes for which it was collected.

To exercise these rights, please contact us at support@liquify.in.

8. Contact Us

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

Sumanju Technologies Private Limited

SF 1 JBR ARCADE SCIENCE CITY ROAD SOLA, AHMEDABAD, GUJARAT, INDIA 380060

Email: support@liquify.in