Privacy Policy - Education Loan Guru

1. Clarification

Company: JMD Education Loan Guru Private Limited,a privately held company registered under the Companies Act, 2013, with its registered office located at I-59/60, 3rd Floor Lajpat Nagar, New Delhi, Delhi 110024.
Website: The website can be accessed at https://educationloanguru.com/
You/User: Refers to any individual or organisation, whether natural or legal, who accesses or utilises the services provided on the website, and possesses the legal capacity to enter into enforceable agreements in accordance with the Indian Contract Act, 1872.
We/Us/Our: Refers to the website itself and/or the Company, depending on the specific context.

2. General

We prioritise the protection of your privacy and strive to earn your confidence in entrusting us with your personal information. Personal data pertains to information that enables us to identify you as an individual.
This document is an electronically generated record produced by a computer system and does not necessitate physical or digital signatures. It is published in compliance with the regulations stipulated in Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.
The ownership and operation of this website are vested in the Company.

3. Scope and Acceptance of this Privacy Policy

This Policy applies to the gathering of your personal data, which is carried out with the purpose of providing our services.
By using this website or providing us with your personal data, you acknowledge and consent to the practices outlined in this Policy. If you do not agree to this Privacy Policy, please refrain from using this website or sharing any personal data.
We reserve the right to modify this Policy without prior notice. It is recommended that you periodically review this policy to stay informed about any changes and understand how your personal data may be utilised.

4. Disclosure/Sharing of Personal Information

To identify and prevent identity theft, fraud, and illegal activities, as well as to facilitate relevant services, we may disclose your personal information to corporate entities, affiliates, and service providers.
Personal information may be disclosed if required by law or in good faith belief that such disclosure is necessary to respond to legal processes, enforce the Terms of Use or Policy, protect rights and safety, or in the event of a merger, acquisition, or reorganisation.
If you have applied for an education loan for overseas education, we may share your personal information with loan providers listed on our platform.
If you have applied for a loan from our subsidiary, Education Loan Guru Financial Services Private Limited, we may share your personal information with the third parties mentioned in this document.

5. Use of Personal Information

We and our affiliated partners may utilise the personal information you provide to get in touch with you and transmit information, alerts, messages, and commercial communications pertaining to our services. Please note that this may supersede any preferences you have registered in the National Do Not Call Registry.

6. Security

Transactions conducted on the website are safeguarded and protected to ensure security. Your information is encrypted to prevent any disclosure to third parties. Please note that we do not receive, store, or retain credit and debit card information. Instead, authorised payment gateways, which comply with relevant regulations, handle such information.

7. Third-Party Advertisements and Promotions

We employ third-party advertising companies to deliver advertisements to users of the website. These companies may utilise information about your visits to personalise the advertisements you see. Please note that we are not accountable for the privacy practices or content of linked websites.

Grievance Officer:

The following are the contact details of the Grievance Officer:

Name: Akash Rawat
Email: contact@educationloanguru.com
Mobile: +91-9354423881

8. Data Security and Retention

To ensure the security of your personal data, we employ various security measures, such as secure operating environments, encryption for sensitive information, and authentication protocols for account access.
It is important to note that these security measures do not extend to personal data shared in public areas.
In the event of a security breach, we have established protocols to assess the impact, identify the source, and implement necessary repairs and enhancements to our control mechanisms. We retain personal data for a reasonable period as required for the stated purpose and in accordance with applicable laws.

9. Applicable Laws and Dispute Resolution

Any disputes or claims arising from this policy will be resolved through arbitration in accordance with Indian laws. The exclusive jurisdiction for legal disputes shall lie with the courts in New Delhi.