Last Updated: November 09, 2026 | Governing Entity: Suryansh Digital Pvt. Ltd.
1. Introduction & Scope
Welcome to Suryansh Digital Pvt. Ltd. ("we", "our", or "us"). We operate the website https://suryanshdigital.com/ and deliver retail loan facilitation, CIBIL credit repair consultancy, and registered Debt Recovery Agency services headquartered at Shop No. 43, Zila Parishad Market, Katrasgarh, Dhanbad (Jharkhand) 828113.
This Privacy Policy outlines how we collect, handle, store, and safeguard your personally identifiable information (PII) and financial information in strict accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDP Act).
2. Information We Collect
We may collect information directly from you when you submit inquiry forms, apply for loan facilitation, consult on credit repair, apply to become a channel partner, or communicate with our representatives:
- Personal Identification Data: Full Name, Date of Birth, Gender, Father’s/Spouse’s Name.
- Contact Information: Mobile Number, WhatsApp Number, Email Address, Residential & Permanent Postal Address.
- Financial & Employment Profile: Monthly Income, Employment Type (Salaried/Self-employed), Employer Name, Business Vintage, Bank Statements, Approximate CIBIL Score, Desired Loan Amount.
- Channel Partner Information: Professional credentials, firm name, PAN/GST (where applicable), business volume, banking details for commission disbursements.
- Technical & Log Data: IP Address, browser type, referral URL, and timestamps collected via standard web server logs.
3. Purpose of Processing Your Information
Your information is utilized solely for lawful business purposes, including:
- Evaluating your loan eligibility and sharing files with our 40+ partnered Scheduled Commercial Banks & RBI-regulated NBFCs.
- Conducting authorized credit report analysis across bureaus (CIBIL, Experian, Equifax, CRIF) upon your explicit consent.
- Processing channel partner registrations, empanelment, and incentive disbursements.
- Executing recovery conciliation or mediation strictly within the boundaries of the SARFAESI Act, 2002 and RBI Fair Practices Code.
- Responding to inquiries and updating you on application statuses via phone, SMS, email, or WhatsApp.
4. Disclosure & Sharing of Information
We never sell, rent, or trade your personal information to third-party telemarketers or unauthorized agencies. Information sharing occurs strictly on a need-to-know basis:
- Partner Banks & NBFCs: Transmitted securely to designated financial institutions where you have opted to apply for credit facilities.
- Statutory Authorities: Disclosed only when mandated by court orders, lawful requests from law enforcement agencies, or RBI regulatory audit requirements.
- Authorized Service Providers: Trusted cloud infrastructure and SMS/Email gateway providers operating under stringent non-disclosure and data privacy agreements.
5. Data Protection & Information Security
We deploy industry-standard technical and organizational security protocols to safeguard your personal data against unauthorized access, alteration, disclosure, or accidental destruction. All digital submissions are encrypted via Secure Socket Layer (SSL/TLS) protocols. Physical records at our Dhanbad Head Office are stored in restricted-access archives.
6. Cookies & Tracking Technologies
Our website utilizes minimal session cookies necessary for website performance, anti-spam validation, and user interface preferences (such as suppressing redundant modal popups within the same browsing session). You may configure your browser to reject cookies, though certain interactive features may function with diminished efficiency.
7. Your Legal Rights
Subject to applicable statutory requirements, you possess the right to:
- Request access to personal information maintained in our records.
- Request rectification of inaccurate or outdated personal records.
- Withdraw consent for ongoing marketing communications at any point by emailing our Grievance Officer.
8. Grievance Redressal Officer
In accordance with the Information Technology Act 2000 and DPDP Act 2023, the details of our designated Grievance Officer are provided below:
