Privacy Policy.

1. Introduction

ELITETRU Sales & Services Pvt. Ltd. ("we," "us," "our," or "Company"), which operates the MudraHub website and platform, respects your privacy and is committed to protecting your personal data. This Privacy Policy explains our data handling practices as a loan referral marketplace.

2. Information We Collect

2.1 Information you provide

• Identity information: Name, date of birth, gender, PAN, Aadhaar number
• Contact information: Phone number, email address, mailing address
• Financial information: Income, employment details, bank accounts, credit history
• Document information: Salary slips, ITR, bank statements

2.2 Information collected automatically

• Device information (IP address, browser type, device type)
• Usage data (pages visited, time spent, clicks)
• Cookies and tracking technologies
• Location data (if you permit it)

3. How We Use Your Information

• Match your profile against our panel of lending partners
• Verify eligibility and creditworthiness
• Communicate about your application status
• Improve our services and tools
• Comply with legal and regulatory obligations
• Prevent fraud and security issues
• Send marketing communications (with your consent)

4. Data Sharing

We may share your information with:

• Lending partners: Banks and NBFCs on our panel, to assess and process your loan
• Credit bureaus: CIBIL, Equifax, Experian for credit verification
• Service providers: Document verification and KYC providers
• Legal authorities: When required by law

We do not sell your personal data to third parties.

5. Data Security

We employ industry-standard security measures, including:

• 256-bit SSL encryption for data in transit
• Secure servers with firewall protection
• Regular security audits
• Role-based access controls and authentication
• Employee data protection training

6. Data Retention

• Active loans: Duration of the loan plus 7 years (per RBI guidelines)
• Rejected applications: Retained for 1 year for reference
• Cookies & tracking: As configured, typically 12 months

7. Your Rights

You have the right to:

• Access — request a copy of your personal data
• Correction — update or correct inaccurate information
• Deletion — request deletion of your data, subject to legal exceptions
• Portability — receive your data in a structured format
• Opt-out — unsubscribe from marketing communications

To exercise these rights, contact us at privacy@mudrahub.in or WhatsApp +91 88550 20134.

8. Cookies & Tracking

We use cookies to remember your preferences, understand user behaviour, personalise your experience, and for analytics. You can control cookies in your browser settings — disabling them may affect site functionality.

9. Third-Party Links

Our website may link to third-party websites. We're not responsible for their privacy practices — please review their policies before sharing information.

10. Children's Privacy

Our services are intended for individuals aged 18 and above. We do not knowingly collect data from minors.

11. Changes to This Policy

We may update this policy periodically. Continued use of our website indicates acceptance of the changes — please check this page from time to time.

12. RBI & Legal Compliance

This Privacy Policy is designed to align with:

• RBI Digital Lending Guidelines
• Information Technology Act, 2000
• Sensitive Personal Data or Information Rules, 2011
• NITI Aayog Guidelines on Non-Personal Data

13. Contact Us