Your Privacy Matters to Us

This Privacy Policy explains how BorrowBetter ("we", "us", or "our"), operated by Sanvi Elevate Private Limited, collects, uses, stores, and protects your personal information when you use our website borrowbetter.tech and related services.

By using BorrowBetter, you agree to the practices described in this policy. If you do not agree, please discontinue using our services.

This policy is compliant with applicable Indian laws including the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 (DPDP Act).

We collect the following categories of information:

Personal Information you provide:

•Full name

•Mobile number (for OTP verification and contact)

•Email address (optional, where provided)

•City / Location

•Loan type and loan amount requirements

•Employment type (Salaried / Self-Employed)

•Messages or enquiries submitted via our contact form

Automatically collected information:

•IP address (for security and fraud prevention)

•Browser type and version

•Device type (mobile, desktop, tablet)

•Pages visited and time spent on our website

•Referral URL and UTM parameters

Financial preference information (non-sensitive):

•Loan type preference (Home Loan, LAP, Balance Transfer, etc.)

•Approximate loan amount requirement

•City of property purchase

We do NOT collect or store sensitive financial data such as bank account numbers, credit card details, PAN numbers, or Aadhaar numbers.

When you use our "Find My Best Loan" or callback request features, we ask for your mobile number and verify it via a One-Time Password (OTP).

Why we collect your mobile number:

•To verify your identity before connecting you with our advisors

•To prevent spam and fraudulent enquiries

•To enable our advisors to contact you for loan guidance

•To send you relevant loan advisory updates (only with your explicit consent)

OTP Verification process:

•OTPs are sent via Firebase Authentication SMS service

•OTPs expire after 60 seconds and are not stored by us

•Your mobile number is only saved after successful OTP verification

•We use this only for legitimate advisory communication

Your right to opt-out:

You may opt out of communications at any time by contacting us at privacy@borrowbetter.tech or calling +91 8287011034.

By submitting your mobile number and details on BorrowBetter, you explicitly consent to:

•Being contacted by our loan advisory team via phone, WhatsApp, or email

•Receiving information about home loan products, interest rates, and eligibility

•Having your enquiry details reviewed by our internal team and empanelled lending partners

Consent withdrawal:

You can withdraw consent at any time by:

•Emailing privacy@borrowbetter.tech

•Sending "STOP" via WhatsApp to +91 8287011034

•Calling our helpline at +91 8287011034

We will process withdrawal requests within 7 working days.

We use the information we collect for the following purposes:

•Advisory services: To understand your loan requirement and provide unbiased guidance

•Lender matching: To identify suitable bank and NBFC products for your profile

•Communication: To contact you via phone, email, or WhatsApp about your enquiry

•Service improvement: To improve our website features and user experience

•Legal compliance: To comply with applicable Indian financial regulations

•Fraud prevention: To detect and prevent fraudulent enquiries or abuse

We do NOT:

•Sell your personal information to any third party

•Use your data for unsolicited marketing unrelated to home loans or property finance

•Share your information with lenders without your knowledge

We may share your information with the following categories of parties, strictly for providing you with loan advisory services:

Empanelled Lending Partners:

Banks and NBFCs/HFCs that we work with may receive your basic contact and loan profile information (name, mobile, city, loan type, and employment type) to assess your preliminary eligibility. This is done only when you have expressed interest in receiving loan offers.

Technology Partners:

•Google Firebase: For OTP authentication and data storage

•Resend: For email communication

•Google Analytics: For anonymous website analytics

Legal Requirements:

We may disclose information to law enforcement or regulatory authorities if required by applicable Indian law.

We require all third-party partners to maintain appropriate data security standards and to use your information only for the specific purpose for which it was shared.

We take data security seriously and implement industry-standard measures to protect your information:

•All data is transmitted over HTTPS (SSL/TLS encryption)

•Mobile OTPs are handled via Firebase Authentication, which is ISO 27001 certified

•Our Firestore database uses Google Cloud's security infrastructure

•Admin access to customer data is restricted and role-based

•We conduct periodic security reviews

Data retention:

•OTP verification logs: Not retained after verification

•Lead enquiry data: Retained for up to 2 years for regulatory compliance

•Contact form enquiries: Retained for up to 1 year

•You may request deletion at any time (see Section 9)

We use cookies and similar technologies to enhance your browsing experience.

Types of cookies we use:

•Essential cookies: Required for the website to function (session management, security)

•Analytics cookies: Google Analytics to understand website traffic (anonymised)

•Preference cookies: To remember your language or location preference

You can manage cookie preferences through your browser settings. Disabling analytics cookies will not affect your ability to use our services.

We use Microsoft Clarity for session recording to improve UX. Clarity data is anonymised and does not include personally identifiable information.

As a data principal under the Digital Personal Data Protection Act, 2023, you have the following rights:

•Right to access: Request a copy of the personal data we hold about you

•Right to correction: Request correction of inaccurate or incomplete data

•Right to erasure: Request deletion of your personal data (subject to legal retention requirements)

•Right to grievance redressal: Raise concerns with our Data Protection Officer

•Right to nominate: Nominate another person to exercise rights on your behalf in case of death or incapacity

**To exercise your rights**, contact us at:

•Email: privacy@borrowbetter.tech

•Phone: +91 8287011034

•Response time: Within 30 days

If you are not satisfied with our response, you may approach the Data Protection Board of India.

For any privacy-related queries, concerns, or requests:

Data Protection Officer:

BorrowBetter / Sanvi Elevate Private Limited

Vasundhara, Ghaziabad, Uttar Pradesh — 201012

**Email:** privacy@borrowbetter.tech

**Phone:** +91 8287011034

**Website:** borrowbetter.tech/contact

**Last Updated:** July 2025

**Version:** 2.0

This policy may be updated periodically. Material changes will be communicated via email or a prominent notice on our website. Continued use of BorrowBetter after any changes constitutes acceptance of the updated policy.