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Privacy Policy

This privacy policy has been prepared by Kaynet Financial Services Private Limited (“Taplend” “We”, “Our”, “Us”), a private limited company incorporated in India (CIN U65921PN2007PTC130765), having its registered office at 4800-24 Second Floor, Bharat Ram Road, Daryaganj, Darya Ganj, Central Delhi, New Delhi, Delhi, India, 110002. Kaynet Financial Services Private Limited is a Non-Systemically Important Non-Deposit Taking Non-banking Financial Company registered with the Reserve Bank of India (“RBI”). Taplend provides you loans through websites, digital lending applications (“DLAs”) and platforms which are either owned and operated by itself or belong to its Lending Service Providers (“LSPs”). The purpose of this Privacy Policy is to give you, the user, (“You”, “Your” or “User”) information on how Taplend collects, stores, uses, discloses, transfers and processes your personal information when: (a) You use our websites https://taplend.in (“Websites”), (b) “Taplend” android and iOS application (“Mobile Application”). You are advised to read this Privacy Policy along with the terms of use and other information on the website/ Mobile applications. Users please take note that any statements made on Taplend website/ Mobile applications shall not be construed as an offer or promises for grant of any financial services. This Privacy Policy has been prepared in compliance with: (i) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011; (ii) Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021; (iii) Guidelines on Digital Lending issued by the Reserve Bank of India (RBI), 2022; (iv) 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.

Last updated: 31 March 2025 Kaynet Financial Services Private Limited

Kaynet Financial Services Private Limited · CIN U65921PN2007PTC130765 · RBI Reg. No. N-13.01903 · Last updated 31 March 2025

Official Board-Approved Document

Approved by the Board of Directors on 31 March 2025

1. Use of Our Website or Services

This Privacy Policy is incorporated into and at all times is subject to and is to be read in conjunction with the Terms of Use of the Website/Mobile Application.

You hereby expressly consent to provide the mentioned information to us for the purpose of providing the Services to you. If you disagree with any of the terms mentioned herein, please do not proceed with the usage of the Services.

For the users consenting to continue accessing the Website/Mobile Application and avail the Services, this Privacy Policy explains our policies and practices regarding the collection, use, and disclosure of your information.

3. Collection of Information

  • 3.1 (i) User Personal Information: Full name, DOB, email id, PAN, Aadhaar Number, address, mobile number, postal code. We use this data for identifying you, preventing unauthorised access and enabling you to use the Website/Mobile Application.
  • 3.1 (ii) Economic Profile Information: Age/DOB, occupation details, income details, bank details, salary statements, income tax returns. We use this to assess creditworthiness and eligibility for products.
  • 3.1 (iii) SMS Information: Taplend collects, transmits, syncs and stores financial transaction SMS Data to enable OTP auto read and identify bank accounts, cash flow patterns, and description/amount of transactions for credit risk assessment. Note: We do NOT collect or store personal SMS from your inbox.
  • 3.1 (iv) Device Information & Installed Apps Data: Device identifiers, log information/meta data (search queries, IP address, crashes, date), diagnostic data. Installed application metadata (app name, package, install/update time, version) collected via Finbox SDK for creditworthiness analysis.
  • 3.1 (v) Location & Camera Access: Device location information for verifying address, KYC and onboarding. Camera access to scan and capture required KYC documents in accordance with applicable laws.
  • 3.2 Information Collected from Third Parties: Credit information from credit bureaus/rating companies in accordance with applicable laws; document verification and repayment status from NSDL and payment gateway providers; bank account numbers or UPI payment information for disbursal and repayment.
  • 3.3 Information You Give Us About You: Form submissions, email/chat correspondence, registration information, employer name, salary details, and usage logs.

4. Storage of Information

We shall store your information at servers located within India.

We do not collect any biometric data belonging to you. In case, if any of our representatives ask for the same from you, we request you to kindly refrain from doing the same and address this concern to our Grievance Officer.

We will retain any data or information provided by you till the time we render our services towards you. Our data retention policy is restricted to the provision of our services towards you. You can request for the deletion of your information from us at any stage. Our data retention and deletion policy is in consonance with the applicable laws and guidelines of the RBI.

5. Use of Information Collected by Taplend

  • To provide Services you have requested;
  • To establish identity, conduct KYC and verify the same in compliance with applicable laws;
  • To resolve disputes and help investigate violations of our terms of use or to defend against legal claims;
  • To disclose information under special circumstances such as compliance with applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies;
  • To assess your creditworthiness for providing the Services;
  • To get in touch with you when necessary and contact You by email, SMS, letter, telephone or in any other way about our products and Services;
  • To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes;
  • To identify, develop or improve products that may be of interest to you;
  • To perform administrative and operational purposes including testing of systems;
  • To recover any payments you owe to us or our partners;
  • To undertake filing of records with relevant governmental authorities in compliance with applicable laws;
  • To comply with our regulatory obligations and maintain statutory records;
  • To carry out, monitor and analyse our business, carry out audits, market research, business, and statistical analysis;
  • To design and offer customized products and services.

6. Disclosure of Information

  • We disclose and share your information with our LSPs, partner banks or NBFCs and other third party partners for facilitation of a loan or facility or line of credit or purchase of a product.
  • To enable our third party partners to contact you or to respond to your queries/comments, for promotional offers or to resolve service issues to serve you better.
  • With technology partners to track how you interact with the Website/Mobile Application on our behalf.
  • Corporate mergers, acquisitions, amalgamations, or business restructuring for continuity of business.
  • With governmental, quasi-governmental, judicial, and quasi-judicial authorities upon request, order or legal obligation.
  • All third-party disclosures are made on a strict need-to-know basis under binding confidentiality and privacy obligations.

7. Security Practices & Safeguards

The Website/Mobile Application implements reasonable physical, administrative and technical safeguards to help protect your information from unauthorized access, use and disclosure. We encrypt all information transmitted over the internet/Mobile Application.

Our systems use Secure Sockets Layer (SSL) based encryption, which is the required level of encryption in India as per applicable law.

We blend security at multiple steps within our products: OTP verification, physical security controls, restricted employee access under strict contractual confidentiality obligations, and continuous compliance reviews.

We ensure that your Aadhaar number is never stored in clear text or disclosed in any manner.

8. Changes in Privacy Policy

Our Privacy Policy might change from time to time, and Taplend will provide notice of it on your email address linked to your Account or can be seen by you in our Website/Mobile Application. We encourage you to periodically review the Website/Mobile Application for the latest information on our privacy practices.

9. Cookies

The Website/Mobile Application uses temporary cookies to store certain data that is used by us for maintenance of the Website/Mobile Application and its features as well as research and development. We do not store personally identifiable information in the cookies.

10. Third Party SDKs and Other Sites

The Website/Mobile Application utilizes registered third party SDKs and API integrations that collect data on our behalf and store it on secure servers with strict separation of environments, role-based access control, application-level encryption, intrusion detection and prevention systems.

We don’t allow unauthorized access to your non-public personal contacts or financial transaction SMS data with any third party in relation to Lending Services other than our Lending Partners. For Non-Lending Services (Value Added Services), third-party access requires your separate explicit consent.

Links to external websites are provided for convenience. We are not responsible for the privacy practices or content of third-party websites.

11. Your Rights & Privacy Controls

  • Modifying or rectifying your information: You have the right to provide accurate and updated information to rectify any incomplete or outdated records, subject to verification documents.
  • Privacy Controls: You can manage permissions on your Android/iOS device or Browser, delete the App from your device, or request content removal from our servers.
  • Deny Consent: You have the right to deny consent for use of specific data, restrict disclosure to third parties, and revoke consent already granted, subject to loan servicing requirements.
  • Withdraw Consent: You may withdraw consent or request deletion of your account by emailing help@taplend.in. Data necessary for active loan repayment and legal compliance will be retained until all dues are discharged.
  • Report an issue: Report security incidents or unauthorized usage to the Grievance Redressal Officer within 10 days at help@taplend.in or grievance@taplend.in.

12. Contact & Grievance Redressal Officer

For any information or assistance regarding this Privacy Policy, please contact help@taplend.in.

In case you have any grievance relating to collecting, receiving, possessing, storing, dealing or handling of Personal Information, you may contact our Grievance Officer:

Name: Mr. Mohit Asoliya

Designation: Grievance Officer

Contact Phone: +91-93558 71314

Email: grievance@taplend.in

Office Address: Kaynet Financial Services Private Limited, 4800-24 Second Floor, Bharat Ram Road, Daryaganj, Darya Ganj, Central Delhi, New Delhi, Delhi – 110002, India

Working Hours: Mon – Sat (10:00 – 19:00)

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