Enrichcom Corporate Services Private Limited (hereinafter referred to as “Loannxt/ we/ our”) acknowledges the expectations of its customers (hereinafter referred to as “customer/ you/ your”) regarding privacy, confidentiality and security of Personal Information that resides with the Loannxt. Keeping Personal Information of customers secure and preventing any misuse thereof is a top priority of Loannxt.
This Privacy & Security Policy (hereinafter referred to as “Policy”) explains how we protect Personal Information provided on our website www.Loannxt.com (hereinafter referred to as “Website”) and how we use that information in connection with our service offered through the Website (hereinafter called as "Service").
Personal Information (which may be a Sensitive Information “SI”) means any information /documents/details that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Loannxt, can identify such person.
This Policy is applicable to the Personal Information (including but not limited to details pertaining to your name, parentage, marital status, nationality, state of residence, city of residence, email address, date of birth, gender, contact number/mobile number, user ids, passwords, recent photograph, signature image, e-KYC through UIDAI, Aadhaar based e-Signature and other Know Your Customer (KYC) documents like address proof, identity proof, income proof, PAN or such other officially valid documents/details (OVDs) accepted for concluding a financial transaction) which are shared/ uploaded by you, as and when you avail the products and services vide the online application forms and questionnaires through usage of Website and which Loannxt may become privy to. By visiting and/or using our Website, you agree to this Policy. Further, this policy applies to all current and former visitors to the Website and to our online customers. It is strongly recommended for you to return to this page periodically to review the most current version of the Policy. Loannxt reserves the right at any time, at its sole discretion, to change or otherwise modify the Policy without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Policy. However, if we make any material change to the Policy, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective.
In case you do not want to be disturbed over telephonic calls, kindly fill up the details requested under this section below, including the details of the telephone number(s) on which you do not wish to be contacted and submit the same at privacy@Loannxt.com from your email address registered at Loannxt. The details that you provide through the opt-out email will remain confidential and once you have submitted the same to us, your telephone number(s) will be removed from all our telemarketing calling lists within 15 working days. We will make every effort to ensure that you do not get any further telemarketing calls on such telephone number(s). The details to be submitted for opting-out shall be as below:
Loannxt will not sell or rent your Personal Information to anyone, for any reason, at any time. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners including credit information companies, where we feel that you will be assisted better for the purpose of underwriting and approval of your credit card, loan and approving investment in Mutual Fund or any other financial product transaction/related transaction or for doing an aggregate check of your credit profile on your behalf and ending you targeted communications and offers. Loannxt uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website. By registering on the Website, you authorize Loannxt to send texts and email alerts to you and any other service requirements, including promotional mails and SMSs Further, it enables Loannxt to:
In the event that you access the Service as brought to you by one of our partners either through the Website (www.Loannxt.com) or on being redirected from a co-branded URL otherwise referred to as a white-label site, your name, e-mail address, mobile number, date of birth, employment type, residency status, income details/proofs, Form 26 AS, PAN, details of loan / credit card/ Mutual Fund applied for and loan, credit card and Mutual Fund status or any other financial product status as may be provided to that partner when your application is submitted and whenever the status of application is updated. Loannxt has a business relationship with these partners and you may not opt-out of sharing your information with these partners if you have applied via a co-branded URL or directly through the Website as the case may be.
For availing the Service such as applying for a loan, credit card, Mutual Fund or any other financial product we will require you to provide/upload on the Website the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26 AS, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (should you select this option), and to participate on our forum boards, a username (collectively the "Registration Information").
You may opt out of location based services at any time by editing the setting of your browser.
In order to provide your bank statement or pay slip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow Loannxt to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/pay slips, Form 26 AS and are not stored in our system. However, Loannxt shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord.
We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them.
Loannxt does not disclose sensitive personal data or Personal Information including SI of a customer except as directed by law or as per mandate received from the customer / applicant. Upon your written request Loannxt will provide you with information on whether we hold any of your personal information. No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:
There are number of products/services such as loans, credit cards, mutual funds, offered by third Parties on the Website, such as lenders, banks, credit card issuers. If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies. Loannxt is not responsible for their privacy policies.
If your Registration Information provided to us when you had applied for a product on our Website or Sites changes, you may update it whenever you apply for a new product via our Website or Sites. To review and update your Personal Information and to ensure that the same is accurate while your application is in process, you may contact us at support@Loannxt.com. You will not be able to update the information you have provided in an application after a decision has already been made on it; however, you may create and submit a new application with your updated information.
Note: We will retain your information for as long as your account is active or as needed to provide Services to you. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at support@Loannxt.com We will respond to your request within a reasonable timeframe. However, we may retain and use your information as may be necessary to comply with our legal obligations and resolve disputes, if any.
We provide our customers with periodic emailers and e-mail/SMS alerts. We also allow customers to subscribe to e-mail newsletters and from time to time may transmit e-mails promoting Loannxt or third-party products. Subject to the opt-out provision in this Policy, the subscribers may opt-out of receiving our promotional e-mails and terminate their newsletter subscriptions by following the instructions in the e-mails. Opting out in this manner will not end transmission of service-related e-mails/SMS, such as e-mail/SMS alerts. The above services may also be provided by our partners.
This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or Mobile App and/or Mobile Site functionality.
We partner with third-party service providers to either display advertising on our Mobile App and/or Mobile Site or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this Mobile App and/or Mobile Site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note you will continue to receive generic ads.
There are several products and services, such as loans, credit cards, mutual fund and other financial products being offered by third parties on our Mobile App and/or Mobile Site, such as lenders, banks, credit card issuers and mutual funds ("Offers"). If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of these external services providers before deciding to use their services. Loannxt is not responsible for privacy practices of such third parties.
All communications between your mobile device/tablet etc. and our Mobile App and/or Mobile Site that contain any Personal Information are encrypted. This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery.
ISO/IEC 27001:2013 is the international standard for management of information security and provides a systematic approach to keep sensitive company information secure. Getting the ISO 27001:2013 certificate is a reassurance for our customers that Loannxt complies with the highest standards regarding information security. Loannxt is ISO/IEC 27001:2013 certified under certificate number IND17.0322/U. We have implemented the ISO/IEC 27001: 2013 standard for all processes supporting the development and delivery of services by Loannxt.
If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Policy or have any other privacy or security concern, send an e-mail to privacy@Loannxt.com.
The name and contact details of the Grievance Officer is Mr. Iype Isac, Loannxt.com (A & Enrichcom Corporate Services Services Private Limited), 3rd Floor, Hameedia Center, 14/43 Haddows Road, Nungambakkam, Chennai - 600006, India.
If you have an unresolved privacy or data use concern that has not been addressed satisfactorily, you are advised to contact https://feedback-form.truste.com/watchdog/request
The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.
July 17th, 2018
Welcome to the mobile application (“Mobile App”) and/or mobile site (“Mobile Site”) owned and operated by A&Enrichcom Corporate Services Services Private Limited (“Loannxt”), a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at 3rd Floor, Hameedia Centre, 14/43 Haddows Road, Nungambakkam, Chennai - 600006 India.
This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and is generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011.
Loannxt reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of the Mobile App/Mobile Site signifies your acceptance of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Mobile App and/or Mobile Site in any way, your only recourse is to immediately terminate use of the same.
The Mobile App/Mobile Site and all content and Services provided on the Mobile App/Mobile Site are provided on an "as is" and "as available" basis. Loannxt expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Loannxt makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) the Mobile App/Mobile Site will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Mobile App/Mobile Site or the Services offered through the Mobile App/Mobile Site will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Mobile App/Mobile Site will meet your expectations.
You agree to indemnify and hold Loannxt (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Mobile App/Mobile Site.