Privacy Policy

At WealthMetre, we value your privacy and are committed to protecting your personal information. By accessing or using our website, app, chatbot, forms, or portals, you agree to the practices described in this Privacy Policy.

1. Who We Are

WealthMetre is a loan advisory and facilitation platform that helps users explore suitable loan options from partner banks and NBFCs based on the information shared by them.

WealthMetre is not a bank or NBFC. Final loan approval, eligibility, documentation, interest rate, processing fee, and disbursal remain subject to the policies of the respective lender.

2. Information We Collect

We may collect the following categories of information:

• Personal details: name, mobile number, email address, city, occupation, and other contact details.
• Loan-related details: loan type, required amount, income, EMI obligations, credit score range, property details, business details, and related eligibility inputs.
• Document-related information: documents uploaded through customer portal or partner portal, such as KYC, income proofs, bank statements, GST-related documents, property papers, and other application documents.
• Technical information: IP address, browser type, device type, operating system, pages visited, referral source, and interaction logs.
• Chatbot and support interactions: messages, queries, preferences, and information shared with our AI assistant or support team.
• App and portal usage data: login data, session logs, activity timestamps, and usage behavior for security and service improvement.

3. How We Collect Information

We may collect information in the following ways:

• When you fill out a lead form on our website or app.
• When you interact with our chatbot or AI assistant.
• When you call, message, email, or contact us through WhatsApp or other channels.
• When you sign up or log in to the customer portal or partner portal.
• When you upload documents or share case-related information.
• When you browse our website or use our mobile application.
• From lenders, service providers, or partners where permitted and required for your case processing.

4. How We Use Your Information

We use your information for lawful business purposes including:

• To understand your loan requirement and suggest relevant lender options.
• To connect you with suitable banks, NBFCs, DSAs, channel partners, or financial institutions.
• To coordinate document collection, login, processing, sanction follow-up, and disbursal support.
• To provide customer service, callbacks, reminders, updates, and grievance resolution.
• To operate our website, app, chatbot, portals, and internal analytics systems.
• To improve our products, services, content, UI/UX, and customer support quality.
• To detect fraud, misuse, unauthorized access, or suspicious activity.
• To comply with applicable laws, legal processes, audits, or regulatory requests.

5. Sharing of Information

We may share your information with:

• Partner banks and NBFCs for evaluating your loan application or eligibility.
• Internal team members, advisors, and authorized partners who need the information to process or assist with your case.
• Technology and service providers such as CRM, hosting, analytics, communication, OTP, chatbot, cloud storage, or workflow providers who support our operations.
• Legal, regulatory, or law enforcement authorities when required by law or for the protection of rights and security.

We do not sell your personal information to unrelated third parties for independent commercial exploitation.

6. AI Chatbot and Automated Assistance

WealthMetre may use AI-powered systems and chatbot tools to assist with user queries, preliminary lender matching, response generation, lead qualification, and service recommendations.

• Chatbot responses may be automated and should be treated as informational assistance only.
• Loan approval or final policy confirmation always depends on the concerned lender’s final review.
• Please do not share unnecessary sensitive details unless specifically required for your case processing.

7. Cookies and Tracking Technologies

Our website and app may use cookies, pixels, and similar technologies to improve performance, remember preferences, analyze traffic, and support marketing or remarketing campaigns.

You may control cookies through your browser settings, but disabling some cookies may affect site functionality.

8. Data Storage and Security

We take reasonable administrative, technical, and organizational measures to protect your information from unauthorized access, misuse, loss, alteration, or disclosure.

• Access controls for internal systems and portals
• Secure hosting and protected dashboards
• Restricted document access on a need-to-know basis
• Monitoring for abuse, spam, or suspicious login activity

However, no digital platform can guarantee absolute security, and users should also exercise caution while sharing information online.

9. Data Retention

We retain your information only for as long as reasonably necessary for business, legal, operational, compliance, dispute resolution, recordkeeping, or service improvement purposes.

Retention duration may vary depending on the nature of the inquiry, active application status, legal obligations, or audit requirements.

10. Your Rights and Choices

Subject to applicable law, you may request to:

• Access or review the personal information you shared with us
• Correct inaccurate or outdated information
• Request deletion of information, where legally permissible
• Withdraw consent for future communications
• Opt out of promotional calls, SMS, emails, or WhatsApp messages

To exercise any such request, please contact us using the details given below. We may need to verify your identity before processing your request.

11. Third-Party Links and Lender Websites

Our website or app may contain links to third-party websites, lender portals, payment gateways, or external resources. We are not responsible for the privacy practices, content, or policies of those third-party sites.

Users should review the privacy policies of such external websites before sharing information there.

12. Children’s Privacy

Our services are intended for adults and business users. We do not knowingly collect personal information from children without lawful basis or parental/guardian authorization where applicable.

13. Grievances and Fraud Awareness

If you receive suspicious loan offers, misleading calls, or messages claiming to be from unauthorized loan apps or fake representatives, please verify carefully before sharing documents, OTPs, or financial details.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect operational, legal, technical, or regulatory changes. The revised version will be posted on this page with the updated effective date.

Continued use of our website, app, chatbot, or portals after such changes will signify acceptance of the updated policy.

15. Contact Us

16. Consent

By using our website, app, chatbot, customer portal, partner portal, or by sharing your information with us, you consent to the collection and use of your information in accordance with this Privacy Policy.