App Name: IBL Money: Instant Loan App
Company Name: IBL Finance Limited
Support Email: support@iblfinance.in
Account Deletion URL: https://iblfinance.in/delete-your-account-with-ibl-finance/
Last Updated: 06 June 2026
PREFACE
IBL Finance Limited (IBLFL) has adopted this Privacy Policy in accordance with applicable laws and regulatory guidelines, including the Reserve Bank of India guidelines on digital lending and data protection under the Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Directions, Reserve Bank of India (Non-Banking Financial Companies – Know Your Customer) Directions, 2025, Digital Personal Data Protection Act, 2023 and The Information Technology Act, 2000.
This policy is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the Information Technology Act, 2000. The term “you”, “customer”, “user”, “borrower” denotes the person avails the services of IBLFL by using the mobile application or through any other mode. This privacy policy does not require any physical, electronic, or digital signature.
This Privacy Policy is a legally binding document between you and IBLFL. The terms of this Privacy Policy will be effective upon your acceptance of the same by availing its services. This Privacy Policy specifies the terms related to the management and handling of personal information of users (hereinafter referred to as “the Users”) using the services of IBLFL platform accessible through Mobile/Smartphone application. We understand that you entrust us with certain Information to help us provide various Services. In exchange for your trust, you expect and deserve our commitment to treat your Information confidential with respect and in accordance with the terms of this Privacy Policy (“Privacy Policy”).
IBL Finance Limited (“IBL Finance”, “we”, “our”, or “us”) values your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, process, disclose, and protect your information when you use the IBL Money: Instant Loan App, our websites, customer support channels, and related services.
By accessing or using our services, you agree to the terms of this Privacy Policy.
- About Us
IBL Money: Instant Loan App is operated by IBL Finance Limited, a Non-Banking Financial Company (“NBFC”) engaged in providing digital lending and financial services.
For any privacy-related questions or requests, you may contact us at:
Email: support@iblfinance.in
- Information We Collect
Depending on the services you use and permissions you grant, we may collect the following categories of information:
- Personal Information
We may collect:
- Full name
- Mobile number
- Email address
- Date of birth
- Gender
- Residential address
- PAN card details
- Aadhaar details or masked Aadhaar details, where permitted by applicable law
- Employment information
- Income information
- Selfie or profile photograph
- KYC documents
- Any information voluntarily submitted by you
- Financial Information
We may collect:
- Bank account details
- IFSC code
- Loan application details
- Loan amount
- EMI and repayment information
- Transaction details
- Credit-related information
- Information from credit bureaus and financial partners, where permitted by law
- Device & Technical Information
We may collect:
- Device model
- Device identifiers
- Operating system version
- App version
- IP address
- Browser information
- Network information
- Crash reports
- Diagnostic information
- App activity logs
- Location Information
Subject to your permission and applicable law, we may collect:
- Approximate location
- GPS-based location
- Device location information
Location information may be used for fraud prevention, risk assessment, compliance, servicing, and improving user experience.
- Permissions & Sensitive Information
Depending on app functionality and regulatory requirements, the app may request certain permissions including:
SMS Permission
Used for: Automatic OTP verification
Camera Permission
Used for: Selfie capture
Contact Permission
If requested, contacts may be used strictly for: Fraud prevention, Identity verification, Customer-requested referral features, customer service, and collection-related purposes, where permitted by applicable laws.
Phone Permission
May be used for: Device verification, Detecting unauthorized activity, Improving account security
We do not collect or access permissions beyond what is necessary for lawful business purposes and app functionality.
Sensitive permissions are requested only with your consent and through appropriate in-app disclosures where required.
- Usage Information
We may collect:
- Pages viewed
- Features accessed
- Time spent within the app
- Interaction information
- Error logs
- Performance data
- How We Use Your Information
We use your information for purposes including:
- Account creation and management
- Identity verification and KYC
- Loan eligibility assessment
- Loan processing and disbursement
- EMI and repayment management
- Fraud detection and prevention
- Customer support and grievance handling
- Communication of service updates, reminders, and alerts
- Regulatory and legal compliance
- Internal analytics and app improvement
- Risk assessment and security monitoring
- Enforcement of our terms and policies
- Marketing and promotional communications, where permitted by law
- Legal Basis for Processing
We process information based on:
- Your consent
- Performance of contractual obligations
- Compliance with legal and regulatory requirements
- Legitimate business interests including fraud prevention, security, analytics, and service improvement
You may withdraw consent at any time, subject to legal and contractual restrictions.
- Sharing of Information
We do not sell your personal information.
We may share information with:
- Employees and authorized representatives
- Credit bureaus
- Banks and regulated financial institutions
- Lending and payment partners
- KYC and verification service providers
- Cloud hosting and analytics providers
- SMS, communication, and notification providers
- Fraud prevention and risk assessment partners
- Legal, regulatory, judicial, or government authorities
- Auditors, consultants, and professional advisors
- Successor entities during merger, acquisition, restructuring, or transfer of business
All such sharing is done only on a need-to-know basis and subject to appropriate confidentiality and security obligations.
- Third-Party Services & SDKs
Our app may use third-party SDKs, APIs, analytics tools, cloud services, and communication platforms for operational purposes including:
- Analytics
- Performance monitoring
- Crash reporting
- Authentication
- Payment processing
- Notifications
- Customer communication
These third parties may process limited information in accordance with their own privacy policies and applicable laws.
- Data Retention
We retain information only for as long as necessary for:
- Loan servicing
- Regulatory compliance
- Audit and accounting requirements
- Fraud prevention
- Legal obligations
- Dispute resolution
- Security purposes
Even after account deletion, certain information may be retained where required under applicable law or regulatory obligations applicable to NBFCs and financial institutions.
When information is no longer required, we securely delete, anonymize, or archive it.
- Account Deletion & Data Deletion
You may request deletion of your account and associated personal information at any time through:
- Delete Account URL: https://iblfinance.in/delete-your-account-with-ibl-finance/
- Support Email: support@iblfinance.in
Upon receiving a deletion request, we may verify your identity before processing the request.
Please note:
- Certain information may be retained as required by law, RBI regulations, fraud prevention requirements, tax obligations, dispute resolution, or security purposes.
- Deletion of your account may result in loss of access to services and records available within the app.
- Security Measures
We implement reasonable administrative, technical, and physical safeguards including:
- Encryption
- Access restrictions
- Authentication controls
- Monitoring and logging systems
- Internal security reviews
- Vendor security assessments
While we strive to protect your information, no method of electronic transmission or storage is completely secure.
- Cookies & Similar Technologies
Our websites and services may use cookies, SDKs, and similar technologies to:
- Improve functionality
- Remember user preferences
- Analyze usage
- Enhance security
- Improve performance
You may manage certain permissions and preferences through your device or browser settings.
- Children’s Privacy
Our services are intended only for individuals who are legally eligible to enter into financial agreements and are at least 18 years old.
We do not knowingly collect personal information from children.
- Your Rights
Subject to applicable laws, you may have rights to:
- Access your information
- Correct inaccurate information
- Request deletion of information
- Withdraw consent
- Request restriction of processing
- Object to certain processing activities
You may exercise these rights by contacting: support@iblfinance.in
13. Data Localization
In compliance with applicable regulatory requirements and RBI guidelines, customer information is processed and stored only within India.
IBL Finance Limited does not transfer or store customer personal data outside India in the normal course of business.
We maintain appropriate security controls and safeguards to protect customer information against unauthorized access, disclosure, alteration, or loss.
- Marketing Communications
Where permitted by applicable law, we may send:
- Promotional messages
- Product offers
- Service-related updates
You may opt out of marketing communications at any time by contacting us at support@iblfinance.in or using unsubscribe options where available.
Service-related and legally required communications may still be sent.
- Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in legal requirements, regulatory requirements, technology, business operations, and app functionality.
Updated versions will be posted with a revised “Last Updated” date.
- Contact & Grievance Information
For questions, complaints, privacy concerns, or data-related requests, contact:
IBL Finance Limited
Email: support@iblfinance.in
Delete Account URL: https://iblfinance.in/delete-your-account-with-ibl-finance/
