Our Commitment to Your Privacy
ManthanLoan operates on the principle that every person who trusts us with information deserves a direct and honest explanation of how it is used. This Privacy Policy explains what information our mobile application ("App") collects, why each category is collected, what safeguards we apply, and the control you keep over your data at all times.
Continuing to use the App means you have read and accepted this Policy. If any part of it does not work for you, please uninstall the App. Reading it together with our Terms of Service provides the complete picture of how your ManthanLoan account operates.
Information We Collect
Running a responsible credit service requires certain categories of information. The items below describe clearly what we collect and the reason for each collection.
2.1 Account Registration Data
When you create a ManthanLoan account, we collect your full legal name, date of birth, mobile number, email address, and details from your government-issued identity document. Each item is encrypted before it leaves your device and is stored only at: server.ManthanLoan.co
2.2 Device Attributes
Your device provides technical details, including model identifier, operating system version, IP address, and Google Advertising ID, which we use only to maintain platform stability and detect security anomalies. These details are not used for credit decisions or advertising targeting.
2.3 Installed App Metadata
To help reduce fraudulent applications, the App may read package names and installation status of other apps on your device. We do not access content inside those apps, including messages, passwords, transactions, or browsing activity. Fraud prevention is the only purpose.
2.4 Camera Access
Camera permission is required when you photograph identity documents for verification. Images are encrypted at capture and transmitted to server.ManthanLoan.co. After verification is completed, the original images are permanently destroyed. The camera is activated only when you begin an upload yourself.
2.5 Approximate Location
If you grant permission, a coarse location reading helps confirm that the ManthanLoan service is available in your region. We do not log precise GPS coordinates, and location information is kept separate from credit scoring and advertising systems.
2.6 Anonymised Usage Data
Aggregated and de-identified statistics about App usage, including navigation paths, session length, and error events, help us improve engineering and design. This information cannot be used to reconstruct an individual user.
How We Use Your Data
Every data-processing activity at ManthanLoan has a defined purpose. We use your information to:
- Confirm your identity and complete account registration
- Manage your revolving credit facility and process related transactions
- Detect and block fraud, impersonation attempts, and security breaches
- Answer customer support requests accurately and promptly
- Improve App performance through anonymised real-world usage patterns
- Meet obligations required by applicable Indian financial regulation
Optional permissions may be withdrawn at any time through your device settings. Withdrawing a permission may limit features that depend on it, but your core account and credit facility will continue to operate. We do not access data from permissions you have not granted.
Data Sharing
ManthanLoan does not sell, rent, or transfer your personal data to third parties for commercial use. Data is shared only in the following situations:
- Identity verification specialists who authenticate documents you submit
- Cloud infrastructure providers that host the systems supporting our service
- Regulatory authorities or law enforcement when disclosure is legally required
Each partner works under a formal data processing agreement and is strictly prohibited from using your information for any purpose outside the services provided to ManthanLoan.
Security Measures
Security at ManthanLoan is built into the infrastructure rather than added later. Our active controls include:
- TLS/HTTPS encryption for every data transmission
- Role-based access controls so only authorised personnel can view personal records
- Scheduled independent penetration tests and security audits
- Continuous automated anomaly detection with immediate escalation procedures
If anything about your account looks suspicious, contact us immediately at support@manthanloan.com. We treat every security report as urgent and respond accordingly.
Retention Periods
We keep personal data only for as long as needed to complete the purpose for which it was collected, or for the period required by law, whichever period is longer.
After account closure and the end of any mandatory retention period, data is either permanently deleted from our systems or made permanently unidentifiable through technical anonymisation. The applicable retention period differs by data type and legal requirement.
Minimum Age
ManthanLoan accounts are available only to adults aged 18 and above. Our identity verification process includes checks intended to prevent underage applicants from opening accounts.
If we confirm that an account belongs to someone under 18, we will close it promptly, reverse any pending transactions, and delete all related data. Please report any such case to support@manthanloan.com, and we will investigate immediately.
Your Data Rights
You retain meaningful control over the personal data ManthanLoan holds about you:
- Access: Request a copy of the personal data we hold for you
- Correction: Ask us to update information that is inaccurate or no longer current
- Deletion: Request deletion of your data, subject to legal retention requirements
- Withdrawal of consent: Revoke consent you previously gave for data processing
Send your request in writing to support@manthanloan.com. We will verify your identity and respond within a reasonable period.
Amendments
This Policy is reviewed periodically and updated to reflect changes in our services or the regulatory environment. Significant changes will be communicated through the App or by email before they become effective.
Routine corrections that do not materially affect your rights take effect immediately without prior notice. The effective date at the top of this page identifies the current version. Continuing to use the App after an update means you accept the revised Policy.
Privacy Questions? We're Here.
If you have questions about this Policy, want to exercise a data right, or need to raise a concern about how we handle your information, our team is ready to assist.
Our team is available Monday to Friday, 9 AM to 6 PM, to help with any privacy or data-related questions.