Privacy Policy

APSCABL E2W Loan Management System collects the following types of information to process loan applications efficiently:

• Personal Information: Full name, father's name, mother's name, date of birth, Aadhar number, PAN number, mobile number, email address, and residential address.
• Financial Information: Vehicle cost, down payment amount, loan amount requested, EMI preferences, bank account details, and income certificate information.
• Vehicle Information: Vehicle brand, model, variant, color, chassis number, engine number, and battery number (if applicable).
• Documentary Evidence: Identity proof, residence proof, photographs, proforma invoice, income certificate, bank statements, guarantor documents, and dealer declaration.
• System Usage Data: IP addresses, login timestamps, user actions, application status changes, and audit logs for security purposes.

Your information is used solely for legitimate business purposes within the APSCABL loan management ecosystem:

• Loan Processing: To evaluate, verify, review, and approve/reject loan applications.
• Communication: To send notifications about application status, approvals, rejections, and other important updates.
• Compliance: To maintain records as required by financial regulations and internal audit policies.
• Verification: To verify the authenticity of documents and information provided.
• Certificate Generation: To generate loan approval certificates and vehicle delivery orders.
• System Improvement: To analyze usage patterns and improve system performance and user experience.

APSCABL does not sell, trade, or rent your personal information to third parties. However, your information may be shared in the following limited circumstances:

• Internal Processing: Between dealers, verifiers, reviewers, and approvers within the APSCABL system for loan processing purposes.
• Legal Requirements: If required by law, regulation, or legal process, we may disclose your information to government authorities.
• Vehicle Dealers: For vehicle delivery purposes, relevant customer and vehicle details are shared with authorized dealers.
• With Your Consent: Any other sharing will only occur with your explicit consent.

Important: All data sharing is done securely and only for legitimate business purposes.

We implement robust security measures to protect your information:

• Encryption: All sensitive data is encrypted using industry-standard encryption algorithms.
• Password Protection: User passwords are hashed and never stored in plain text.
• Access Control: Role-based access control ensures only authorized personnel can view specific information.
• Audit Logging: All user actions are logged for security monitoring and fraud prevention.
• Secure File Uploads: All uploaded documents are stored securely with restricted access.
• Session Management: Secure session handling with automatic timeout for inactive users.

We retain your information as long as necessary to fulfill the purposes outlined in this policy:

• Active Applications: Retained until loan processing is complete.
• Approved Loans: Retained for the duration of the loan tenure plus 7 years for legal compliance.
• Rejected Applications: Retained for 3 years for audit purposes.
• Audit Logs: Retained for 5 years for security and compliance purposes.
• User Accounts: Retained until account deletion is requested by the user.

You may request deletion of your data by contacting the system administrator.

As a user of the APSCABL system, you have the following rights:

• Access: Request access to your personal data stored in the system.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your data (subject to legal retention requirements).
• Restriction: Request restriction of processing of your data.
• Portability: Request a copy of your data in a structured format.
• Object: Object to processing of your data for specific purposes.

To exercise these rights, please contact the system administrator through your dashboard or via the contact information provided.

Our system uses cookies and similar technologies to enhance your experience:

• Session Cookies: Essential for maintaining your logged-in status during your session.
• Preference Cookies: Remember your preferences for future visits.
• Security Cookies: Help detect and prevent fraudulent activities.

You can control cookie settings through your browser preferences. However, disabling cookies may affect system functionality.

Our application may contain links to external websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any personal information.

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal reasons. Any changes will be notified to users via:

• In-app notifications
• Email communications (for registered users)
• Updated policy page with new "Last Updated" date

We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact:

• Developer/Owner: Kasim
• Role: Web Developer & System Architect
• System: APSCABL E2W Loan Management System
• Purpose: Complete loan management solution for electric two-wheelers

For any privacy-related concerns or data requests, please raise a ticket through the dashboard or contact your branch administrator.