Privacy Policy - Capital Paisa

Privacy Policy

Effective Date: January 1, 2026

Capital Paisa ("we", "our", "us") values your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

1. Nature of Our Services

Capital Paisa is a financial services marketplace and lead generation platform only.

We do NOT provide loans, do NOT make lending decisions, do NOT disburse funds, and do NOT determine loan eligibility. All financial products displayed in our app are offered by third-party RBI-registered banks and Non-Banking Financial Companies (NBFCs).

Loan approvals, interest rates (APR), repayment tenure, processing fees, and disbursal are determined solely by the respective lending partner.

2. Information We Collect

  • Full Name
  • Mobile Number
  • Email Address (if provided)
  • Product preference
  • Location (if voluntarily shared)
  • Device information (IP address, device type, OS version)
  • Application reference ID

We do not collect banking passwords or confidential financial login credentials.

3. How We Use Your Information

  • To forward your inquiry to selected third-party lending partners
  • Customer support and communication
  • Fraud prevention and security monitoring
  • Improvement of services and analytics

4. Sharing of Information

When you submit a loan inquiry through our platform, your information may be shared with:

  • RBI-registered banks
  • Registered NBFCs
  • Authorized financial partners

We do NOT sell personal data to unauthorized third parties.

5. User Consent

By submitting an application or inquiry through Capital Paisa, you expressly consent to the sharing of your information with relevant financial institutions and agree to receive communication via call, SMS, email, or WhatsApp regarding your request.

6. Loan Information & Representative Example

Capital Paisa is a financial services marketplace platform. We do not provide loans directly.

Typical Loan Terms (offered by partners may vary):

  • Loan Amount Range: ₹50,000 – ₹5,00,000
  • Repayment Tenure: 3 – 36 months
  • Annual Percentage Rate (APR): 12% – 30% per annum
  • Processing Fee: Up to 3% of loan amount (plus applicable taxes)

Representative Example:

If a user applies for a loan of ₹1,00,000 at an APR of 18% per annum for a tenure of 12 months:

  • Processing Fee (2%): ₹2,000
  • Monthly EMI: ₹9,168 (approx.)
  • Total Interest Payable: ₹10,016 (approx.)
  • Total Repayment Amount: ₹1,10,016

The final loan terms, EMI amount, approval decision, interest rate, fees, and repayment schedule are determined solely by the respective lending partner.

7. Data Security

We implement reasonable administrative and technical safeguards to protect personal information against unauthorized access, misuse, or disclosure.

8. Data Retention

We retain personal data only as long as necessary to fulfill the purposes described in this policy or as required by applicable law.

9. Your Rights

You have the right to:

  • Request access to your personal data
  • Request correction of inaccurate information
  • Request deletion of your data
  • Withdraw consent at any time

10. Third-Party Links

Our application may redirect users to third-party websites. We are not responsible for the privacy practices of those websites.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

12. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.

13. Contact Information

Capital Paisa
Email: support@capitalpaisa.in
Website: https://capitalpaisa.in

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