Terms & Conditions

Applicability

This Privacy Policy applies to all users of the GOLDEN BRIDGE LOAN APP. By using our App, you agree to the practices described herein. If you do not agree, please do not use the App.

Types of Personal Data Collected

We may collect and process the following types of personal data:

• Identity Data: Full name, date of birth, gender, PAN, Aadhaar (only where legally permitted)
• Contact Data: Mobile number, email address, address (residence and office)
• Financial Data: Bank account details, salary slips, income documents, credit score, loan history
• KYC Documents: PAN, Aadhaar, Voter ID, Passport, Driving License, Utility Bills
• Device Information: Device ID, IP address, operating system, mobile network data
• Usage Data: App features used, time spent, clicks, crash reports

Purpose of Data Collection

Your personal data is collected and used for:

• Verifying your identity and conducting KYC checks
• Assessing creditworthiness for loan eligibility
• Facilitating loan disbursement and repayments
• Communicating loan updates, offers, and notifications
• Complying with legal and regulatory obligations
• Fraud detection, risk management, and grievance handling

Legal Basis for Processing

We process your personal data on the basis of:

• Your consent at the time of registration or loan application
• Legal obligations under RBI guidelines and KYC norms
• Contractual necessity for executing loan agreements

Consent Management

By using this App and providing your information, you consent to the collection and use of your data as described. You may withdraw your consent anytime by contacting us at support@goldenbridge.co.in, but doing so may limit your access to our services.

Data Sharing and Disclosure

We may share your personal data with:

• NBFCs/Banks for loan underwriting, approval, and disbursal
• Credit bureaus for credit checks (e.g., HIGHMARK, Experian)
• Third-party service providers (e.g., KYC verification, payment gateways)
• Regulatory bodies such as RBI, SEBI, or law enforcement when required

All data sharing is done with appropriate contractual safeguards.

Children's Privacy (India Specific)

Our App and services are strictly for individuals aged 18 years and above. We do not knowingly collect or process personal data of children under the age of 18.

If we discover that we have unintentionally collected personal data from a child, we will promptly delete such data. Parents or guardians may contact us at support@goldenbrige.co.in to request data removal.

Data Retention

We retain your personal data for as long as necessary to:

• Fulfil the purposes for which it was collected
• Comply with legal, accounting, and regulatory obligations

Data no longer required will be securely deleted or anonymised.

Data Security

We implement appropriate technical and organizational measures to protect your personal data against loss, misuse, unauthorized access, disclosure, alteration, or destruction. These include:

• Encryption
• Secure server infrastructure
• Role-based access control
• Regular audits

Your Rights

As a Data Principal under the DPDP Act, you have the right to:

• Access your personal data
• Correct inaccurate or outdated information
• Withdraw consent
• Request data erasure, where applicable
• File a grievance regarding misuse of your data

You can exercise these rights by contacting our Data Protection Officer at:

📧 dpo@goldenbridge.co.in

Grievance Redressal

If you have concerns or complaints regarding the handling of your data, please contact our Grievance Officer:

Policy Updates

We may update this Privacy Policy periodically. Any changes will be notified via the App or email. Continued use of the App after such updates will constitute your acceptance.

Contact Us

If you have questions about this policy, please contact:

📧 support@goldenbridge.co.in