1. Information We Collect

APSCABL collects personal information including but not limited to: name, contact details, Aadhar number, PAN number, vehicle details, financial information, and documents submitted for loan application processing.

2. How We Use Your Information

Your information is used solely for:

• Processing loan applications
• Verifying your identity and eligibility
• Communicating with you regarding your application
• Maintaining records as required by law
• Improving our services

3. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse. Your data is stored on secure servers with encryption.

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. Your information may be shared with:

• Regulatory authorities as required by law
• Verification agencies for document validation
• Internal departments for loan processing

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required by law.

6. Your Rights

You have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal obligations)
• Withdraw consent for data processing

7. Cookies

Our website uses cookies to enhance user experience and track application sessions. You can disable cookies through your browser settings.

8. Updates to Privacy Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated revision date.

9. Contact Us

For any privacy-related concerns or questions, please contact our Data Protection Officer at the APSCABL office.

1. Acceptance of Terms

By accessing and using the APSCABL E2W Loan Management System, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use this system.

2. Eligibility

To use this system, you must:

• Be a registered dealer, verifier, reviewer, approver, or administrator of APSCABL
• Provide accurate and complete information
• Be authorized to submit loan applications on behalf of customers
• Comply with all applicable laws and regulations

3. User Responsibilities

As a user of this system, you agree to:

• Maintain the confidentiality of your login credentials
• Not share your account with unauthorized persons
• Ensure all information submitted is true and accurate
• Notify the administrator immediately of any unauthorized access
• Use the system only for legitimate loan application purposes

4. Loan Application Process

All loan applications are subject to verification and approval by designated officers. APSCABL reserves the right to:

• Accept or reject any loan application at its discretion
• Request additional documentation as needed
• Modify loan terms based on eligibility assessment
• Suspend or cancel applications found to contain false information

5. Document Submission

All documents submitted must be genuine and valid. Submitting forged or fraudulent documents will result in:

• Immediate rejection of the application
• Blacklisting of the dealer/user account
• Legal action as per applicable laws

6. Confidentiality

All user information and loan application data are confidential. You agree not to disclose any system information to unauthorized parties.

7. System Access

APSCABL reserves the right to:

• Modify or discontinue system features
• Suspend user accounts for policy violations
• Perform system maintenance without prior notice
• Update terms and conditions as needed

8. Limitation of Liability

APSCABL shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this system, including but not limited to data loss, system downtime, or unauthorized access.

9. Indemnification

You agree to indemnify and hold APSCABL harmless from any claims, damages, or expenses arising from your use of the system or violation of these terms.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in [Your City/State].

11. Termination

APSCABL may terminate or suspend your account immediately, without prior notice, for conduct that violates these terms or is harmful to other users or the system.

12. Contact Information

For questions about these Terms & Conditions, please contact the system administrator at the APSCABL office.