Privacy Policy

1. Introduction

UnLoan.in ("we," "us," or "our") is operated by UnLoan Financial Media, an independent publication based in Coimbatore, Tamil Nadu, India. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://unloan.in.

By accessing or using our website, you agree to the terms of this Privacy Policy. If you do not agree with the practices described herein, please do not use our website.

2. Information We Collect

2.1 Information Collected Automatically

When you visit UnLoan.in, certain information is collected automatically through cookies and similar tracking technologies:

• Device Information: Browser type, operating system, device type (mobile, desktop, tablet), and screen resolution.
• Usage Data: Pages visited, time spent on pages, referring URLs, click patterns, and navigation paths through the site.
• Network Information: IP address (anonymized in Google Analytics 4), approximate geographic location (city/country level only), and internet service provider.
• Cookie Data: Identifiers stored by cookies and similar technologies for analytics and advertising purposes.

2.2 Information You Provide Voluntarily

We may collect information that you voluntarily provide when you:

• Send us an email at any of our contact addresses.
• Submit a message through our contact form.
• Report an error or request a correction.

This may include your name, email address, and the content of your message. We do not require registration, login, or submission of any financial or identity documents (such as PAN, Aadhaar, or bank details) to use our website.

2.3 Information We Do Not Collect

To be clear, UnLoan.in does not collect:

• Financial information (bank account numbers, loan details, income data)
• Government-issued identity numbers (PAN, Aadhaar, passport)
• Credit scores or credit report data
• Phone numbers (unless you voluntarily include one in an email)
• Payment or billing information (we do not sell anything)

3. Third-Party Services

3.1 Google Analytics

We use Google Analytics 4 (GA4) to understand how visitors interact with our website. GA4 collects anonymized usage data, including pages viewed, session duration, and user demographics (age range, interests) in aggregate form. Google Analytics uses cookies to track user interactions.

IP Anonymization: Google Analytics 4 does not log or store full IP addresses by default. All IP addresses are anonymized before storage.

Opt-out: You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Google's privacy policy: https://policies.google.com/privacy

3.2 Google AdSense

We display advertisements through Google AdSense to support the operation of this website. Google AdSense uses cookies and web beacons to serve ads based on your prior visits to our website and other websites on the internet.

Google's use of advertising cookies enables it and its partners to serve ads based on your visit to UnLoan.in and/or other sites on the internet. You may opt out of personalized advertising by visiting Google Ads Settings.

For more information about how Google uses data from sites that use its services, visit: https://policies.google.com/technologies/partner-sites

3.3 Google Fonts

We use Google Fonts to render text on our website. When you visit our pages, your browser downloads font files from Google's servers, which may result in your IP address and browser information being sent to Google. For details, see Google Fonts Privacy FAQ.

4. Cookie Policy

4.1 What Are Cookies?

Cookies are small text files stored on your device (computer, tablet, or phone) when you visit a website. They help the website remember your preferences and understand how you interact with it.

4.2 Types of Cookies We Use

Cookie Type	Purpose	Duration
Essential Cookies	Required for basic website functionality such as page navigation and security.	Session
Analytics Cookies	Google Analytics cookies (_ga, _ga_*) that help us understand traffic patterns and user behavior in aggregate.	Up to 2 years
Advertising Cookies	Google AdSense cookies used to deliver relevant advertisements and limit the number of times you see an ad.	Varies (up to 2 years)

4.3 Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to:

• View and delete existing cookies
• Block all cookies or specific third-party cookies
• Set preferences for certain websites
• Receive notifications when a cookie is being set

Please note that disabling cookies may affect the functionality of our website and the relevance of ads displayed. Instructions for managing cookies in popular browsers:

• Google Chrome
• Mozilla Firefox
• Apple Safari
• Microsoft Edge

5. How We Use Your Information

We use the information collected for the following purposes:

• Website Improvement: Analyzing traffic patterns to understand which content is most useful and improve user experience.
• Content Planning: Understanding which topics and loan types are most searched to guide future content creation.
• Technical Maintenance: Identifying and resolving technical issues, ensuring compatibility across devices and browsers.
• Ad Delivery: Displaying relevant advertisements through Google AdSense to fund the operation of this free website.
• Communication: Responding to emails and messages you send us.

We do not use your information to:

• Build individual user profiles for marketing purposes
• Sell or share data with banks, NBFCs, or loan brokers
• Send unsolicited emails or marketing communications
• Make automated decisions that affect you

6. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. Information may be shared only in the following limited circumstances:

• Service Providers: Google (Analytics and AdSense) receives anonymized/aggregated usage data as described above.
• Legal Requirements: We may disclose information if required by law, regulation, legal process, or enforceable governmental request under Indian jurisdiction.
• Protection of Rights: We may disclose information when we believe it is necessary to protect our rights, your safety, or the safety of others.

7. Data Retention

• Analytics Data: Google Analytics data is retained for 14 months, after which it is automatically deleted from Google's servers.
• Email Correspondence: Emails and messages sent to us are retained for up to 2 years for reference purposes, unless you request earlier deletion.
• Server Logs: Web server access logs are retained for up to 90 days for security and troubleshooting purposes.

8. Data Security

We implement reasonable technical and organizational measures to protect the information collected through our website. Our website is served over HTTPS (SSL/TLS encryption), which ensures that data transmitted between your browser and our servers is encrypted.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

9. Your Rights

9.1 Rights Under Indian Law

Under the Information Technology Act, 2000 and applicable rules, you have the right to:

• Access information we hold about you
• Request correction of inaccurate information
• Withdraw consent for data processing

9.2 Rights Under GDPR (for EU/EEA Visitors)

If you are a resident of the European Union or European Economic Area, you have additional rights under the General Data Protection Regulation (GDPR):

• Right of Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can request correction of inaccurate or incomplete data.
• Right to Erasure: You can request deletion of your personal data ("right to be forgotten").
• Right to Restrict Processing: You can request that we limit how we use your data.
• Right to Data Portability: You can request a machine-readable copy of your data.
• Right to Object: You can object to processing of your data, including for direct marketing purposes.
• Right to Withdraw Consent: Where processing is based on consent, you can withdraw it at any time.

To exercise any of these rights, please contact us at privacy@unloan.in. We will respond to your request within 30 days.

9.3 Rights Under CCPA (for California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you the right to:

• Know what personal information we collect and how it is used
• Request deletion of your personal information
• Opt out of the sale of personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights

10. Children's Privacy

UnLoan.in is not directed to children under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at privacy@unloan.in, and we will take steps to remove such information.

11. External Links

Our website contains links to external websites, including official bank websites, RBI portals, and government scheme pages. We are not responsible for the privacy practices or content of these third-party websites. We encourage you to read the privacy policies of any external site you visit through links on our platform.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

Continued use of UnLoan.in after changes are posted constitutes acceptance of the revised Privacy Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: privacy@unloan.in
• General Contact: contact@unloan.in
• Postal Address: UnLoan Financial Media, Office 412, Tidel Park, ELCOT SEZ, Peelamedu, Coimbatore - 641014, Tamil Nadu, India

We aim to respond to all privacy-related inquiries within 30 days.

14. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of India, including the Information Technology Act, 2000, and any applicable rules thereunder. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in Coimbatore, Tamil Nadu.