Privacy Policy
Last updated: December 2024
1. Privacy Governance Framework
At Mallapur Mudra, we recognize that trust is the foundation of financial guidance. This Privacy Policy articulates our protocol for handling your personal data while you utilize our loan comparison and informational tools. We are steadfast in our compliance with the Digital Personal Data Protection Act (DPDPA) of India.
To guarantee data sovereignty, all sensitive user information is encrypted and securely transmitted to our dedicated server environment.
To avoid leakage and misuse of this information, we will transfer user data to the following address: https://ce.viramgamdisha.com
2. Data Collection Scope
To facilitate the operational integrity of Mallapur Mudra and provide accurate financial assessments, we require your explicit consent to process the following categories of data:
2.1. Contact Coordinates (Phone Number)
We collect your mobile number to establish a unique user identity and facilitate Multi-Factor Authentication (MFA).
2.2. Digital Correspondence (Email Address)
Your email is utilized for administrative purposes, including account recovery and service notifications.
2.3. Visual Data (Camera & Images)
Optional: We request camera access to allow you to upload documents or set a profile avatar.
2.4. Safety Network (Emergency Contact)
We allow you to designate a trusted secondary contact for emergency scenarios.
2.5. Device Identifiers
We utilize unique identifiers to maintain session continuity and prevent account takeover fraud.
2.6. Regional Context (Approximate Location)
We collect coarse geo-location data to recommend loan products applicable to your region in India.
2.7. Stability Metrics (Crash Logs)
Anonymous stack traces help our engineers diagnose issues and improve app stability.
2.8. Financial Ecosystem Analysis
We scan financial applications on your device to assess your profile and recommend suitable options.
2.9. Verification Telemetry (Call Log)
Strictly for "Flash Call" verification to authenticate your number instantly.
2.10. Hardware Telemetry (Device Info)
Detailed hardware parameters for fraud prevention including storage, battery, network, and sensor data.
3. Utilization of Intelligence
- •Service Execution: To provide accurate loan guides tailored to your profile.
- •Risk Management: To detect fraudulent devices and protect the platform.
- •Product Enhancement: To refine our recommendation algorithms.
4. Security Architecture
- •Encryption Standards: SSL/TLS during transit and AES-256 at rest.
- •Strict Access Protocols: Need-to-know basis for internal access.
5. Data Lifecycle Management
- •Retention: Data retained during active account status, archived for 5 years post-deletion.
- •Erasure Rights: Contact business@viramgamdisha.com, executed within 15 business days.
- •Dormancy: Accounts with 18 months inactivity purged after 30-day notice.
6. Third-Party Disclosure
We maintain a strict policy against commercialization of your data. Disclosure occurs only:
- •With Infrastructure Partners bound by strict NDAs.
- •Under Legal Duress when mandated by court order.
7. Contact & Grievance Officer
Email: business@viramgamdisha.com
Website: https://www.viramgamdisha.com
Response SLA: Within 10 business days