Information we collect from you
The information we collect from you is your name, postal and email address, date of birth, financial details, and any other information considered necessary.
Purpose of collecting information
The purpose of collecting the above information is to identify you and assess your application, provide you with all necessary information, protect you against fraud with regard to banking and finance, and periodically give information about loan4smile's products and services
From where do we collect information about you?
We collect data directly from your online application. We also take data from the information you provide on your interaction with our customer service department We may monitor and record your telephone conversation with us and our customer services department;
We may collect information about your transactions, including loan balances; Collect from credit reference agencies and customer service providers regarding creditworthiness and credit history;
information that is collected when you use the website. You may have provided the information to identify you and validate your use of the Website for fraud prevention purposes;
information about your computer including your IP address, operating system, and browser type. This is statistical data about browsing actions and patterns and is not in individually identifiable form;
automatic information obtained by using 'cookies' when your browser accesses our Website and when you log-in.
Use and disclosure
We always try to ensure that the personal data that you have given us is only used for the purpose it has been taken
There is very restricted use of your personal data amongst
those involved in maintaining, reviewing, and developing our business systems, procedures, and infrastructure
our partners in financial transactions, including financial institutions, merchants, and payment organizations
credit and fraud reporting agencies, debt collection agencies, and organizations involved in our normal business practices your nominated representatives
government or regulatory bodies, if required by law
Where we store and process your personal data
All the information that we gather about you is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. There are certain areas of the site for which you need a password to access. You are responsible for keeping this password confidential and not share it with anyone. While we make all efforts to ensure the security of your data, we cannot guarantee its security as the transmission of data over the internet is not completely secure. All transmissions are at your own risk. On our part, we will use strict procedures and security features to prevent unauthorized access. Our security system is at par with industry standards and we are constantly trying to evolve and upgrade our system.
to allocate an identification number to your Internet browser (you cannot be identified from this number);
to determine if you have previously visited the website;
to track and report on website and online campaign performance;
to identify other pages or third parties' websites you have accessed; and for fraud detection and security purposes
It is possible for you to configure your browser so that it does not receive cookies. However, this means you will be unable to use secure services that require cookies in order to participate. Some of those services include (but are not limited to) our online application and some member features
*Our attempt is to disburse your loan into your account in half an hour from the receipt of documents from you.
REFUND POLICY :
loan4smile loan is disbursed following a physical verification of the customer's residence and/or office and on upfront payment of an admin fee of 7 to 10 percent
The admin fee collected in advance will not be refunded by the company The customer is to convey his desire to refund the loan taken through the email id email@example.com Any refunds, if applicable within the purview of our refund policy, will be processed over a period of 1-2 days.
The refund policy is subject to change by loan4smile.com. The changes will apply after due legal diligence. Suitable announcements will be made on the website and a legally-compliant notice period will be given before any changes come into force.