This privacy policy (“Privacy Policy”) has been prepared by Lendingkart Finance Limited (hereinafter referred as “the Company” or “LENDINGKART” or “we” or “our” or “us”) (Corporate Identity No.: U65910MH1996PLC258722), a company registered and validly existing under the provisions of Companies Act, 1956, having its registered office at Unit Number PS 40 and PS 41, 3rd Floor, Birla Centurion, Pandurang Budhkar Marg, Worli, Mumbai, Maharashtra –400 030, India and its corporate office at 401, 4th Floor, Iconic Shyamal, Near Shyamal Cross Road, Satellite, Ahmedabad, Gujarat – 380015, India. LENDINGKART is a Non-Banking Financial Company registered with the Reserve Bank of India (“RBI”). LENDINGKART provides loans through website and digital lending applications/platforms (“DLA”).
This Privacy Policy is prepared and published by virtue of the legal requirement that require intermediaries to publish the rules and regulations, Privacy Policy and terms for access or usage of their website/mobile app and in compliance with the below:

• (a) Information Technology Act, 2000 and Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2022 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
• (b) Guidelines on Digital Lending (“the Guidelines”) issued by the RBI, dated September 02, 2022.
• (c) Other applicable acts, regulations and rules which requires the publishing of a Privacy Policy for handling of or dealing in personal information including sensitive personal data or information and all applicable laws, regulations, guidelines provided by applicable regulatory authorities including but not limited to the RBI.

The purpose of this Privacy Policy is to give you, the user (“you” or “your” or “user”) information on how LENDINGKART collects, stores, uses, discloses, transfers and processes your personal information (defined below) when you use:

• (a) The website (i) www.lendingkart.com*; and www.lendingkartfinance.com (ii) www.upwards.in*; and (iii) any of the hyperlink on the websites of our business partners (collectively the “Website”).
• (b) *Mobile application (i) “Lendingkart Business Loan App”; and (ii) “Upwards Quick Instant Loan At Low EMI”; (collectively the “Mobile Application”);

*owned by Lendingkart Technologies Private Limited, holding company of LENDINGKART. Website and Mobile Application collectively hereinafter referred to as (the “Platform”). This Privacy Policy is incorporated into and at all times is subject to and is read in conjunction with the “Terms of the Use” and other information on the Platform. Please take note that any statements made on the Platform shall not be construed as an offer or promises for grant of any financial services.

IF YOU DO NOT AGREE TO THIS PRIVACY POLICY OR ANY PART THEREOF, PLEASE DO NOT USE/ ACCESS/ DOWNLOAD/ INSTALL THE PLATFORM OR ANY PART THEREOF.
Commitment
LENDINGKART intends to protect the privacy of its users and members on the Platform and the privacy of the data provided by them to LENDINGKART from time to time.
The privacy of the Platform users, whether you are our former or existing registered user or a visitor to the Platform, is important to us and we are strongly committed to your right to privacy and to keeping your personal and other information secure. We encourage you to read the Privacy Policy to understand what types of personally identifiable information we collect and how we use this information.

What type of information does the Platform collect from you?
Personal Information
For the purpose of providing you, our services, we require you to enroll yourself on the Platform and get yourself registered.

1. If you choose to become a registered member of the Platform, you are required to share your name, e-mail address, gender, date of birth, postal address, phone number, a unique login name, password, password validation, PAN, income tax details, marital status, family details, business information and other details shared via application form or via email or via any other medium (Personally Identifiable Information).
2. LENDINGKART may also collect other information specific to provide you service each time such as name, bank statements, Aadhar details and validation, selfie’s, Know Your Customer (‘KYC’) documents, personal details, business details, income tax details, marital status, family details and other information via application form or via email or via any other electronic medium or via printed form (Service Information). All Personally Identifiable Information and Service Information shall be collectively known as “Information”.
3. Additionally, LENDINGKART collects your other details including but not limited to your feedback, suggestions, views, opinions, etc. shared on the Platform (User Information) that may be shared/volunteered by you on our discussion forums or other pages of the Website. Such information being in the public domain is available for access to all the Website’s users and visitors. You are advised to exercise discretion before you make such details public, as such information is vulnerable to misuse and can be easily misused. LENDINGKART in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of User Information shared by you, by any third party or any party not known to LENDINGKART.
4. Information exchanged by you with LENDINGKART in the form of written communication, responses to emails, feedback required from you, participation in discussions, etc. is handled with confidentiality.

Information LENDINGKART collects about you from third parties
For making the services/ products available to you, we may collect credit information in accordance with applicable laws, from certain third parties such as credit bureaus or credit rating companies, account aggregators, financial institutions from time to time during the loan journey.

In order to provide credit products to you, we may receive certain information pertaining to document verification, repayment status etc., from certain third parties including NSDL, payment gateway providers details of such third parties are provided at https://media.lendingkart.com/wp-content/uploads/2025/01/Third_parties.pdf.
We may further collect your bank account numbers or UPI payment information for collection and repayment of loans. We may further collect your GST details from Official GSTIN API stack or other relevant websites using the GST Network User ID and password details or OTP as provided by you. Requisite consent shall be taken from you for enabling the same as required under the applicable regulations.
INFORMATION COLLECTED THROUGH MOBILE APPLICATIONS
LENDINGKART products/ services are also provided through the Mobile Application. LENDINGKART may collect and use technical data and related information, including but not limited to, technical information about your device, system and application software and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to such Mobile Applications. You hereby provide your consent for LENDINGKART to access your mobile phone/ device for a ‘one time’ access of camera, microphone, location or any other facility necessary for the purpose of on- boarding/ KYC and such other requirements. While we understand the above requirement of ‘one time’ access, we do not have direct control on your selection while using the Mobile Application, which shall purely be determined by you opting ‘one time’ or ‘continuous access and usage’ while accessing through the Mobile Application. Henceforth, LENDINGKART strongly recommends you to limit the access permission of your mobile phone/ device to ‘one time’ access of camera, microphone, location or any other facility necessary for on-boarding / KYC and such other requirements. We also require camera and microphone permissions to enable a two-way communication between our authorised agents and you for the purpose of performing and completing your Video KYC. Your audio/ video shall be recorded for regulatory purposes.
When you use our Mobile Application, the Mobile Application may automatically collect and store some or all of the following information from your mobile device (“Mobile Device Information”), in addition to the Device Information, including without limitation:

1. Your preferred language and country site.
2. The manufacturer and model of your mobile device.
3. Your mobile operating system.
4. The type of mobile internet browsers you are using.
5. Information about how you interact with the Mobile Application and the Website to which the Mobile Application links.

Information you give us about you
In due course of using our products/ services, you are required to submit data to enable our product/ services. We use this data to create your profile and provide you with the best available services. We shall collect the following information from you:

• (a)Data provided by you by filling in forms on the Platform.
• (b)Data provided by you for corresponding with us (for example, by email, chat, phone, WhatsApp, etc.)
• (c)Data and information you provide when you register to use the Website, download or register on the Mobile Application, subscribe to any of our product/ services (such as applying for loan), search for a product/ service, when you report a grievance with us through email, or on the Website, and when you report a problem with the Platform, our services, and any of our sites. 
• (d)Data including but not limited to your name, address, gender, date of birth, email address, phone number, username, password, and other registration information.
• (e)Data and information of identification documents and photograph, image, video.
• (f) PAN Card, Aadhaar Card, financial information such as employer name, monthly salary, bank account no., bank statements, credit information, GST information, copies of identification documents for the onboarding of your application to avail the product/ services.
• (g)Details of two (02) References for the purpose of reference check and such other purpose as specified in the loan documents.
• (h)The data generated by your use of the Platform.

This data helps us create your profiles, complete mandatory Know Your Customer (‘KYC’) to offer you our product/ services unlock and approve loans and provide you with appropriate support in case of grievances and issues.

Wherever possible, we indicate the mandatory and optional fields. You always have the option to not provide any information by choosing not to use a particular product/ service or feature on the Platform.
Non-Personal Information

LENDINGKART also collects certain other information from you on your visit to the Platform such as information about your operating system, browser type, the Uniform Resource Locator (’URL’) of the previous website you visited, list of third-party applications being used by you, your internet service provider and your IP Address (Non-personal Information). This information cannot be easily used to personally identify you. We use Non-personal Information for the purposes including but not limited to troubleshoot connection problems, administer the Platform, analyse trends in the market, gather demographic information, to ascertain how our visitors use the Platform, including information relating to the frequency of visits to the Platform, average length of visits, pages viewed during a visit, ensuring compliance with the applicable law, co-operating with law enforcement agencies, etc. This information is used to improve the Platform content and performance. You also agree that LENDINGKART may gather usage statistics and usage data from your use of the Platform to evaluate your use of our products/services, to improve our products/services, and the Platform content and to ensure that you are complying with the terms of the applicable agreements between you and LENDINGKART. The statistics and data collected may or may not be aggregated. These statistics contain no information that can distinctly identify you.
We may in future also share this information with third party service providers or third party advertisers to measure the overall effectiveness of our online advertising, content, programming and for other bonafide purposes, as we may desire. By usage of the Platform you expressly permit LENDINGKART to access such information for one or more purposes deemed fit by LENDINGKART.
Session Information
Similar to other commercial web sites, the Platform utilizes standard technology called “Session Information” and Web server logs to collect information about how the Platform is used. Session Information are small pieces of information that are stored by your browser on your device’s hard drive. Session Information is only read by the server that places them and is unable to inter alia run programs on your device, plant viruses or harvest your personal information. Session Information allow Web servers to recognize your device each time you return to the Platform including the date and time of visits, the pages viewed, time spent at the Platform and the websites visited just before and just after the Platform, verify your registration or password information (in case of registered users) during a particular session so that you do not have to input your password multiple times as you navigate the site and suggest products or services that may interest you. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

Most web browsers automatically accept Session Information. By changing the options on your web browser or using certain software programs, you can control how and whether Session Information will be accepted by your browser. LENDINGKART understands and supports your right to block any unwanted internet activity, especially that of unscrupulous websites. However, blocking LENDINGKART Session Information may disable certain features on the Platform and may make it impossible for you to use certain services available on the Platform.
Session Data
We automatically log generic information about your device’s connection to the internet, which we call “session data”, that is anonymous and not linked to any personal information. Session data consists of information such as the Internet Protocol (‘IP’) address, operating system, type of browser software being used by you and the activities conducted by you on the Platform. An IP address is a number that lets devices attached to the internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyse things such as the items visitors are likely to click on most, the manner in which visitors click preferences on the Platform, number of visitors surfing to various pages on the Platform, time spent by the visitors on the Platform and frequency of their visit. It also helps us diagnose problems with our servers and lets us better administer our systems. Although such information does not identify any visitor personally, it is possible to determine from an IP address a visitor’s Internet Service Provider (ISP), and the approximate geographic location of his or her point of connectivity.
Sharing of Information
LENDINGKART may share your Information, including the bureau reports, with our service providers, affiliate(s), agents, partners, financial lenders and such other third parties, in accordance with applicable laws, for the purposes of (i) providing the services and to perform the functions on your behalf or on behalf of LENDINGKART; (ii) marketing new products and services by LENDINGKART or by any of its affiliate(s), service partners and third parties; or (iii) marketing of services provided by such third parties, affiliates and service partners of LENDINGKART or (iv) to intimate you for any new products, services, offers and/or promotions being offered by LENDINGKART or any of its affiliate(s), third parties, financial partners or service partners https://media.lendingkart.com/wp-content/uploads/2025/01/Third_parties.pdf
It is hereby expressly declared that third parties / service partners shall be responsible for the use of your Information by them. We and our affiliates may share your information with other business entity should we (or our assets) merge with, or be acquired by that business entity, or re-organization, amalgamation, restructuring of business for continuity of business. Should such transaction occur than any business entity receiving any such information from us shall be bound by this Privacy Policy with respect to your information
LENDINGKART may also share your personal information with the government authorities, regulators, quasi-government authorities, judicial authorities, and quasi-judicial authorities if we are acting under any duty, request or order as part of our legal obligations and in accordance with the applicable laws. By accepting this Privacy Policy, you hereby provide your consent to disclose your personal information for such regulatory disclosure.

Third Party Products and Services
There are services and/or products offered by third parties on the Website. If you choose to apply for these third-party products and/or services, then their use of your Information shall be governed by their respective privacy policies and LENDINGKART shall not be responsible for their use of your Information and their privacy policies.

LENDINGKART shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such external website or resource.
Other
We may from time to time add or enhance products/services available on the Platform. To the extent these products/services are provided to and used by you, we will use the Information you provide in this regard to facilitate the products/service requested. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question. We may also store and publish such information to assist us in making the Website better and easier to use.

LENDINGKART’S use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.
Promotional Initiatives
LENDINGKART may have presence on social networking websites including but not limited to LinkedIn, Facebook, Twitter, YouTube, Instagram, WhatsApp, and blogs which are promotional and business initiatives to connect to a larger group of people. The domain links contained therein may either direct you to the Platform or request your participation by way of feedback and suggestions. LENDINGKART in this regard fully disclaims any liability (ies) or claim(s), which may arise by use/misuse of your feedback, suggestions, views, etc. on any of the aforementioned networking websites or blogs, by any third party whether or not known to LENDINGKART.
Links to Other Sites
The Platform may contain links to other websites. If you click on a third- party link, you will be directed to that website. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the privacy policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third- party sites or services.
Does LENDINGKART protect my Personal Information?
LENDINGKART is committed to protecting the privacy and the confidentiality of your Personal Information. Whenever LENDINGKART obtains Information from you, the Website uses commercially reasonable efforts and general industry standards to protect it from any unauthorized access or disclosure. LENDINGKART ensures that your Information is stored in a safe and secure manner, as per applicable laws. LENDINGKART uses its best endeavours to maintain physical, electronic, and procedural safeguards that aim to protect your Information against loss, misuse, damage, modification, and unauthorized access or disclosure. Any disclosure of Information to any third party(ies) and/ or service partners for providing any services to you by such third parties and/ or service partners, shall be in accordance with applicable laws and the terms of this Policy. It is hereby expressly declared that third parties / service partners shall be responsible for the use of your Information by them.
How does LENDINGKART use the information that it collects?
Information shared by you is used by us and/or authorized third parties/service partners/affiliate(s) to support your interaction with us, to offer you services in the best possible manner and to contact you again about other services and products that we and/or authorized third parties/service partners/affiliate(s) offer. By submitting your Information to LENDINGKART, you expressly acknowledge and consent to LENDINGKART to use such Information and to process the same in a manner deemed fit by LENDINGKART and as provided in this Privacy Policy, in compliance with applicable laws. This may involve conducting data analysis, research based on reviews about deals, transfer of your Information to third party experts for the purpose of outsourcing services offered to you by LENDINGKART, transfer your Information to third parties/ service partners for providing you services offered by such third parties and service partners etc.

Below is the link of all the third parties / service partners/affiliate(s) used by LENDINGKART, who will collect, store, transfer, and process your Information required for business operation. The list of third parties / service partners/affiliate(s) shall be updated by LENDINGKART from time to time, for your reference
https://media.lendingkart.com/wp-content/uploads/2025/01/Third_parties.pdf
We onboard the above third parties / service partners/affiliate(s) after completing their infosec assessment wherever applicable as per our internal policy.
What security precautions are in place to protect against the loss, misuse, or alteration of your Information?
LENDINGKART makes every reasonable effort to preserve the privacy and confidentiality of your Information shared with us. We store all limited user personal data in servers based within the territories of India while ensuring compliance with statutory obligations/ regulatory instructions. We implement standard measures to protect against unauthorized access to and unlawful interception of Personal Information. However, no internet website can fully eliminate security risks. LENDINGKART implements cyber security policy for handling all security breaches in compliance with applicable laws and regulations.

LENDINGKART follows defined standards for handling any security breach which includes identification, categorization, prioritization, response, recovery, escalation, communication and review. We have a documented approach to report any applicable breach within the timelines as laid out by applicable laws and regulations.
In addition, we have been certified for:
ISO 27001:2013 (formally known as ISO/IEC 27001:2005): is a specification for an information security management system (ISMS) and is the suggested level of certification required under the Information Technology Act, 2000. An ISMS is a framework of policies and procedures that includes all legal, physical, and technical controls involved in an organization’s information risk management processes.
We reserve the right to disclose Information shared by you as required or permitted under applicable law and we have a good-faith belief that (i) such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order or legal process served on us or (ii) to conform to the legal requirements, compliance/reporting to administrative and judicial authorities, as may be required (iii) protect and defend the rights or property of the website owners of LENDINGKART, or the users of LENDINGKART, Further, we reserve the right to disclose Information shared by you with Credit Information Companies (CICs).

Data protection laws vary among countries, with some providing more protection than others. We also comply with certain legal frameworks relating to the transfer of data as mentioned and required under the Information Technology Act, 2000, rules and the amendments made thereunder. When we receive a written complaint, we respond by contacting the person who has made the complaint or as the situation warrants.
What is LENDINGKART policy on retention and destruction of information that it collects?
LENDINGKART has defined a record retention period for your Information as per applicable laws. All physical data will be disposed-off by shredding or otherwise making unreadable confidential records in accordance with applicable laws. All electronic data will be disposed-off in a responsible manner and in compliance with applicable laws with prior approval from LENDINGKART’S Chief Technology Officer (‘CTO’)/ Chief Information Security Officer (‘CISO’). “The extent of instructions on record management as stipulated in the Master Directions/Directions/Guidelines/Guidance issued by the Reserve Bank of India, with reference to provisions of Prevention of Money Laundering (Maintenance of Records) Rule, 2005 (PML Rule, 2005) from time to time would be the directing force”. We may also retain and use your basic personal information inter alia as name, contact number, transactional details, and address details as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements which shall always be in accordance with applicable laws. Subject to this section, we may delete your data upon reasonable written request for the same at any stage. However, you may not be able to use our services after deletion. The data storage is governed by our IT Policy and Data Back-up and Restoration Policy.

I have more questions about Privacy Policy
If you have any questions about this Privacy Policy, the practices of the Platform, or your dealings with this Website, please contact us at care@lendingkart.com and for personal loans on email help@go-upwards.com .
Will LENDINGKART change privacy policy in the future?
This Privacy Policy provides a general statement of the ways in which LENDINGKART aims to protect your Information. You may, however, in connection with specific products or services offered by LENDINGKART, be provided with privacy policies or statements that substitute or supplement this Privacy Policy. The terms and conditions of this Privacy Policy may be updated, if required under applicable laws, and shall be made available on the Website. The revised Privacy Policy will be effective immediately upon posting to the Website unless otherwise mentioned. This version of the Privacy Policy is effective from January 16, 2025. The revised Privacy Policy shall bind you and it is your sole responsibility to check the same from time to time. Continued access or use of the services/ products by you constitute your acceptance of the updated and the amended Privacy Policy. You acknowledge that no knowledge of the revised Privacy Policy shall not be a defense in any proceedings with regard to the Privacy Policy.
Your Consent
By accessing the Platform and using it on a continued basis, you expressly consent and confirm to LENDINGKART collecting, maintaining, using, processing, and disclosing your Personal Information and other information in accordance with this Privacy Policy in relation to the services being rendered on the Platform by us. YOU ACKNOWLEDGE THAT WE SHALL COLLECT THE INFORMATION DETAILED UNDER THIS PRIVACY POLICY TO FACILITATE LENDING & NON-LENDING SERVICES BY PARTNERING WITH VARIOUS FINANCIAL LENDERS, THIRD PARTIES, SERVICE PROVIDERS, ETC., BASED ON YOUR REQUIREMENT TO AVAIL SUCH SERVICES.

In order to avail any services being provided by LENDINGKART by itself or in partnership with the financial lenders, service providers or other third parties, it is important that YOU READ, UNDERSTAND, ACKNOWLEDGE AND UNCONDITIONALLY AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.
You may reach out to LENDINGKART on email care@lendingkart.com and for personal loans on email help@go-upwards.com if you wish to revoke the consent provided here including deletion of your Personal Information and LENDINGKART shall ensure the same. However, once you are onboarded, Information which needs to be stored and/or shared with third parties / service partners /affiliate(s) as per regulatory and statutory requirements will be retained by LENDINGKART. Any other data which is not mandatory to be stored and / or transferred will be deleted on your request.
I have a complaint/concern
In accordance with the relevant provisions of the Information Technology Act, 2000 and Rules and RBI Guidelines on Digital Lending dated September 02, 2022, made thereunder, the name and contact details of the Grievance Officer who can be contacted with respect to any complaints or concerns including those pertaining to breach of LENDINGKART’s Terms of Use, Privacy Policy and other polices or questions are published as under:
Grievance Redressal Officer:
Ms. Ajitha K
Email ID: grievance.redressal@lendingkart.com
Contact Number: +91- 63588 74622
For personal loans:
Email ID: upwards.grievance.redressal@lendingkart.com
Contact Number: +91 63588 74622
The Grievance Officer can be contacted between 10:30 a.m. to 6:00 p.m. from Monday to Friday except on public holidays.