AlphaSalary is committed to protecting the privacy and security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, store, and safeguard your data when you visit our website www.alphasalary.com or use our loan facilitation services. By accessing our Website or using our Services, you consent to the practices described in this Privacy Policy.
1. Information We Collect
1.1 Personal Information
When you apply for a loan or create an account on our platform, we collect the following personal information:
- Full name, date of birth, gender, and marital status
- PAN (Permanent Account Number) and Aadhaar number for identity verification
- Current and permanent residential address
- Mobile phone number and email address
- Employment details including employer name, designation, and work experience
- Monthly income details and income proof documents
- Bank account details (account number, IFSC code, bank name) for loan disbursement and repayment
- Photographs and digital copies of government-issued identity documents
1.2 Technical and Usage Information
We automatically collect certain technical information when you visit our Website, including:
- IP address, browser type and version, operating system, and device type
- Pages visited, time spent on each page, and navigation patterns
- Referral source and search queries that led you to our Website
- Session timestamps, click patterns, and interaction data
1.3 Information from Third Parties
We may receive information about you from third-party sources, including:
- Credit bureaus (CIBIL, Equifax, Experian, CRIF High Mark) for credit score and credit history reports
- e-KYC service providers for identity verification
- Payment gateway partners for transaction processing data
- Our Lending Partners for loan-related processing data
2. How We Use Your Information
We use the information we collect for the following purposes:
- Loan Processing: To process, evaluate, and facilitate your loan application, conduct creditworthiness assessment, and communicate loan offers from our Lending Partners.
- Identity Verification: To verify your identity, address, and employment details through e-KYC and document authentication processes.
- Communication: To send you important updates regarding your loan application, repayment reminders, account statements, and service-related notifications via SMS, email, or phone call.
- Service Improvement: To analyze usage patterns, improve our Website and Services, enhance user experience, and develop new features.
- Legal Compliance: To comply with applicable laws, regulations, RBI guidelines, and legal processes, and to prevent fraud, money laundering, or other unlawful activities.
- Customer Support: To respond to your queries, process your requests, and resolve any complaints or grievances you may have.
- Internal Analytics: To generate aggregated, anonymized analytics and reports for business intelligence and operational decision-making.
3. Data Sharing
We do not sell, rent, or trade your personal information to any third party for marketing purposes. However, we may share your information in the following circumstances:
- Lending Partners: Your application data and documents are shared with our RBI-registered NBFC Lending Partners to process, underwrite, and disburse your loan.
- Credit Bureaus: Your loan repayment history and credit-related data may be reported to credit bureaus as required by RBI regulations.
- Service Providers: We share data with authorized third-party service providers who assist us in operations such as e-KYC verification, payment processing, data analytics, and IT infrastructure management. These service providers are bound by strict data confidentiality agreements.
- Legal Requirements: We may disclose your information if required by law, regulation, court order, government authority, or legal process.
- Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, your data may be transferred to the successor entity, subject to continued protection under this Privacy Policy.
4. Data Security
AlphaSalary implements robust security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction:
- Encryption: All data transmissions between your device and our servers are encrypted using 256-bit SSL/TLS technology.
- Access Controls: Access to your personal data is restricted to authorized personnel on a need-to-know basis, secured with multi-factor authentication and role-based access controls.
- Secure Infrastructure: Our servers are hosted in SOC 2 compliant data centers with firewalls, intrusion detection systems, and regular security audits.
- Data Minimisation: We collect only the information that is necessary for the purposes described in this Privacy Policy and retain it only for as long as required by law or legitimate business purposes.
- Compliance: Our data security practices comply with the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and applicable RBI guidelines on data protection.
5. Cookies
Our Website uses cookies and similar tracking technologies to enhance your browsing experience and collect usage information. Cookies are small text files stored on your device that help us remember your preferences and understand how you interact with our Website.
5.1 Types of Cookies We Use
- Essential Cookies: Required for the basic functionality of the Website, such as session management and security features. These cannot be disabled.
- Analytics Cookies: Help us understand how visitors interact with our Website by collecting information about pages visited, time spent, and navigation patterns. This data is aggregated and anonymized.
- Functionality Cookies: Remember your preferences and settings to provide a more personalized experience during your visit.
5.2 Managing Cookies
You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Please note that disabling certain cookies may affect the functionality and usability of our Website.
6. Your Rights
Under applicable Indian data protection laws, you have the following rights regarding your personal data:
- Right to Access: You may request a copy of the personal data we hold about you by contacting our support team.
- Right to Correction: You may request correction of any inaccurate or incomplete personal data by updating your profile or contacting us.
- Right to Withdrawal of Consent: You may withdraw your consent for data processing at any time, subject to legal and contractual obligations. Withdrawal of consent may affect your ability to use our Services.
- Right to Deletion: You may request deletion of your personal data, subject to retention requirements under applicable laws, RBI regulations, and ongoing contractual obligations.
- Right to Grievance Redressal: If you have any complaints regarding the processing of your personal data, you may contact our Grievance Redressal Officer at grievance@alphasalary.com.
7. Contact
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
We will respond to your data-related queries within 5 working days. If you are not satisfied with our response, you have the right to lodge a complaint with the Data Protection Board of India under the Digital Personal Data Protection Act, 2023.
Last Updated: 09 September 2026