Personal Hai (“Personal Hai”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit personalhai.com (“Website”), submit a loan enquiry, use our eligibility checker, apply for a loan, contact us, or otherwise interact with our services.

Personal Hai primarily facilitates access to loan options and assistance. Personal Hai is not a bank, NBFC, or lender unless expressly stated otherwise. Final loan approval, interest rates, loan amount, tenure, fees, and other terms are determined by the relevant lending institution based on its own eligibility and underwriting policies.

By using our Website or submitting your information, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are

Personal Hai provides loan assistance and facilitates enquiries for eligible customers seeking financial products, including:

• Personal Loans across India
• Business Loans for eligible businesses in Gujarat
• Loan eligibility assistance
• Loan comparison and assistance
• Application support

If Personal Hai operates through a separate legal entity, the legal entity name should be used throughout the final policy.

2. Information We Collect

We collect only the information reasonably required to provide our services, respond to your enquiry, assess your eligibility, and connect you with suitable lending partners.

Information You Provide

Depending on the service you use, we may collect:

Personal Information

• Full name
• Mobile number
• Email address
• City
• State
• Residential or communication address

Loan Related Information

• Type of loan requested
• Loan amount required
• Purpose of the loan
• Employment type
• Monthly income
• Existing EMI obligations
• Credit score information, where voluntarily provided or lawfully obtained
• Other information required to assess loan eligibility

Business Information

If you enquire about a Business Loan, we may collect:

• Business name
• Business type
• Business registration details
• Business vintage
• Annual turnover
• GST details
• Business location
• Business banking information
• ITR and financial information
• Other information required by relevant lenders

Documents

Where required and with appropriate authorization, we may collect documents such as:

• PAN Card
• Aadhaar or other identity proof
• Address proof
• Income proof
• Salary slips
• Bank statements
• GST certificate
• Business registration documents
• ITR
• Financial statements
• Other documents required by the relevant lender

3. Information Collected Automatically

When you visit our Website, certain technical information may be collected automatically. This may include:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Date and time of visits
• Referral source
• Approximate location derived from technical information
• Website interaction data
• Cookies and similar technologies

We use this information to operate, secure, analyze, and improve our Website and services.

4. How We Use Your Information

We may use your personal information for the following purposes:

To Process Your Enquiry

We use your information to understand your loan requirement and respond to your request.

To Check Loan Eligibility

We may use the information you provide to assess whether you may meet the eligibility criteria of suitable lending partners. An eligibility assessment does not guarantee loan approval.

To Connect You With Lenders

Where you provide the required consent, we may share relevant information with appropriate banks, NBFCs, or other authorized lending partners so they can evaluate your loan request.

To Provide Customer Support

We use your information to answer questions, provide updates, and assist you during your loan journey.

To Improve Our Services

We may analyze aggregated or otherwise appropriately protected information to understand user behavior and improve our Website, products, and processes.

To Prevent Fraud and Misuse

We may process information to detect suspicious activity, prevent fraud, protect our Website, and maintain security.

To Meet Legal and Regulatory Requirements

We may process and disclose information when required by applicable law, regulation, court order, government authority, or lawful request.

For Communication

With appropriate consent and subject to applicable law, we may contact you through:

• Phone
• SMS
• Email
• WhatsApp
• Other permitted communication channels

5. Sharing Your Information

We do not sell your personal information as a standalone commercial product. However, we may share relevant information with third parties when necessary to provide the services you have requested. These parties may include:

Banks and NBFCs

We may share your information with relevant lending institutions to evaluate your loan enquiry or application. The relevant lender will independently assess your application and determine whether to approve or reject the loan.

Lending Service Providers and Authorized Partners

Where applicable, we may work with authorized service providers or lending partners involved in processing or facilitating your enquiry.

Technology and Service Providers

We may use trusted vendors for services such as:

• Website hosting
• Cloud infrastructure
• CRM
• Communication
• Analytics
• Security
• Form processing
• Customer support

Such providers should receive only the information necessary to perform their contracted services.

Government and Regulatory Authorities

We may disclose information where required to comply with applicable law or a lawful government or regulatory request.

6. Your Consent

Where applicable, we seek your consent before collecting or using personal information for purposes that require consent. For example, when you submit a loan enquiry, you may authorize Personal Hai and relevant lending partners to contact you regarding your enquiry. You may withdraw consent for processing that is based on consent, subject to applicable law and any consequences of withdrawal. Withdrawal of consent may affect our ability to provide certain services. Where applicable, consent withdrawal requests can be sent to: Email: loan@personalhai.com

7. Loan Partner Communication

By submitting a loan enquiry, you may authorize Personal Hai and relevant lending partners to contact you regarding your loan requirement. Such communication may include information about:

• Loan eligibility
• Loan offers
• Required documents
• Application status
• Additional information required
• Other services directly related to your enquiry

You may request to stop marketing or promotional communications at any time, subject to applicable law.

8. Credit Information and Credit Checks

Personal Hai may not itself determine your creditworthiness or approve your loan. Where a lender requires credit information or a credit bureau check, the relevant lender or authorized entity may obtain and process such information in accordance with applicable law and its own privacy policy. Where a credit check requires your authorization, the relevant consent will be obtained through the applicable process.

9. Cookies and Similar Technologies

Our Website may use cookies and similar technologies. Cookies may help us:

• Keep the Website functioning
• Remember user preferences
• Understand Website usage
• Measure marketing performance
• Improve user experience
• Detect security issues

You can manage cookies through your browser settings. Some cookies may be essential for Website functionality and cannot be disabled without affecting certain features. Where required by applicable law, we will provide appropriate cookie controls and consent mechanisms.

10. Data Security

We take reasonable technical and organizational measures to protect personal information against unauthorized access, alteration, disclosure, misuse, loss, or destruction. These measures may include appropriate:

• Access controls
• Authentication mechanisms
• Encryption or secure transmission where appropriate
• Monitoring
• Security controls
• Vendor controls
• Internal access restrictions

However, no method of transmitting or storing information online can guarantee absolute security. You should also protect your passwords, OTPs, banking credentials, and other confidential information.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• Processing your enquiry
• Providing requested services
• Maintaining business records
• Resolving disputes
• Preventing fraud
• Complying with legal and regulatory requirements

The applicable retention period may vary depending on the type of information and the purpose for which it was collected. When information is no longer required, we will take reasonable steps to delete, anonymize, or otherwise securely dispose of it, subject to applicable legal requirements.

The client should insert its actual retention schedule here once confirmed by its legal and compliance teams.

12. Data Storage

Personal Hai takes appropriate steps to protect and manage personal information in accordance with applicable legal and regulatory requirements. Where Personal Hai acts as a Lending Service Provider or performs activities covered by RBI's digital lending framework, additional requirements may apply to data collection, storage, processing, and sharing. RBI's framework includes requirements concerning need based collection, explicit consent, privacy policies, and data storage.

Important: The client should confirm whether Personal Hai is acting as an LSP for any RBI regulated entity. This determines which specific RBI requirements need to be incorporated into the final policy.

13. Your Privacy Rights

Subject to applicable law, you may have rights regarding your personal information, including rights to:

• Access information about the processing of your personal data
• Request correction of inaccurate or incomplete information
• Request deletion of personal information where legally applicable
• Withdraw consent where processing is based on consent
• Raise a grievance regarding processing of your personal information
• Nominate another person to exercise applicable rights on your behalf where permitted by law

The Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025 establish India's framework for processing digital personal data and protecting individuals' rights. The Rules were notified in November 2025 with phased commencement for different provisions.

Requests can be sent to:

We may request reasonable information to verify your identity before processing a request.

14. Grievance Redressal

If you have concerns about how we collect or use your personal information, you can contact our grievance contact.

We will review and respond to your complaint within the period required under applicable law. If your complaint relates specifically to a loan provided by a bank or NBFC, you may also need to contact the relevant lender's designated grievance redressal mechanism. For RBI regulated entities and applicable digital lending arrangements, regulatory grievance mechanisms may also apply.

15. Third Party Websites and Services

Our Website may contain links to third party websites, applications, lender websites, or other services. We do not control the privacy practices of third parties. When you leave our Website or interact directly with a third party, that party's privacy policy and terms will apply. We recommend reviewing the privacy policy of every third party before submitting personal information.

16. Children's Privacy

Our services are intended for adults who are legally capable of entering into financial transactions. We do not knowingly collect personal information from children where such collection is prohibited by applicable law. If you believe that a child has provided personal information to us without appropriate authorization, please contact us so that we can take appropriate action.

17. Marketing Communications

With your consent and where permitted by applicable law, we may send you communications about loan products, services, offers, or updates. You can opt out of promotional communications by:

• Using the unsubscribe option in an email
• Following the instructions in an SMS or WhatsApp message
• Contacting us directly

Even after opting out of marketing communications, we may continue to send essential service communications related to an existing enquiry or application where permitted or required.

18. Fraud Prevention and Responsible Communication

Personal Hai does not guarantee loan approval, a particular interest rate, loan amount, or disbursement timeline. Loan approval remains subject to the policies, eligibility criteria, underwriting process, and final decision of the relevant bank or NBFC. You should not make any payment to an individual claiming to represent Personal Hai unless the charge has been clearly communicated through an authorized channel. Never share OTPs, passwords, PINs, CVVs, or banking credentials with anyone claiming to process your loan.

19. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect:

• Changes in our services
• Changes in technology
• Changes in our data practices
• Changes in applicable laws or regulations
• Regulatory requirements

We will publish the updated version on this page and update the Last Updated date. We encourage you to review this page periodically.

20. Applicable Law

This Privacy Policy is governed by the applicable laws of India. Any dispute relating to this Privacy Policy will be subject to the jurisdiction of the courts having appropriate jurisdiction over Gujarat, India, unless applicable law requires otherwise.

21. Contact Us

If you have questions about this Privacy Policy, your personal information, or our data practices, contact us.