Data Controller & Contact Details
This Privacy Policy is issued by Udaan Prime, operating under the brand name Udaan India Pvt. Ltd., a company incorporated under the laws of India.
Legal Entity Name
Udaan India Pvt. Ltd.
Corporate Identification Number (CIN)
U74899DL1994PTC061340
Registered Address
309-312 SOMDUTT CHAMBERS-II, 9 Bhikaji Cama Place, Ramakrishna Puram, New Delhi - 110066, India
Grievance Officer Email
Support Phone
01204954504
Types of Personal Data Collected
We collect the following categories of personal data to provide our financial consulting and loan assistance services:
Identity Information
Full name, date of birth, gender, photograph, PAN, Aadhaar (as permitted by law)
Contact Information
Email address, mobile number, residential and office address
KYC Documents
Identity proof, address proof, and other documents as required under RBI KYC norms
Financial & Income Information
Bank statements, salary slips, ITR, employment details, existing loan obligations
Device & Technical Information
IP address, device type, browser type, operating system, access timestamps
Cookies & Tracking Data
Session cookies, analytics cookies, and similar technologies (see Section 7)
Legal Bases for Processing
We process your personal data under the following legal bases as applicable under Indian law:
Consent
Where you have given explicit consent for specific processing activities, such as receiving marketing communications or sharing data with third parties beyond what is necessary for service delivery.
Contractual Necessity
Processing necessary to perform our Service Agreement with you, including loan assessment, loan facilitation, collection, and account management.
Legal Compliance
Processing required to comply with applicable laws including RBI regulations, Prevention of Money Laundering Act (PMLA), Income Tax Act, and other statutory requirements.
Purposes of Processing
Your personal data is processed for the following purposes:
- Loan eligibility assessment
- Credit scoring & risk analysis
- Loan disbursal & servicing
- Credit bureau reporting
- Fraud prevention & detection
- KYC & AML compliance
- Customer support & communication
- Marketing (opt-in only)
Note: Marketing communications are sent only with your explicit opt-in consent. You may opt-out at any time by contacting us or using the unsubscribe link in our emails.
Data Sharing
We may share your personal data with the following categories of recipients:
Credit Information Companies (CICs)
E.g., CIBIL, Experian, Equifax, CRIF High Mark � for credit score checks and reporting loan performance
Payment Gateways & Banking Partners
For loan loan facilitation, EMI collection, and mandate registration
KYC & Verification Vendors
E.g., DigiLocker, NSDL, UIDAI-authorized entities � for identity and document verification
Legal & Regulatory Authorities
RBI, courts, law enforcement, tax authorities � when required by law or legal process
We ensure all third parties are bound by appropriate confidentiality and data protection obligations.
Retention Schedule
We retain your personal data for the following periods:
| Data Category | Retention Period |
|---|---|
| KYC Documents & Records | 8 years after account closure or loan settlement |
| Transactional Records | 7 years from the date of transaction |
| Marketing Preferences | Until you opt-out or withdraw consent |
After the retention period, data is securely deleted or anonymized in accordance with our data disposal procedures.