Privacy Policy

Last Updated: 17 August 2026

49SecondLoans (“49SecondLoans”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information you share with us.

This Privacy Policy explains how we collect, use, process, store, disclose, and protect information when you visit 49secondloans.com, submit a loan enquiry, use our website features, or communicate with us.

49SecondLoans operates as a loan facilitation and financial-services assistance platform. We help users explore and connect with suitable loan options through our network of banks, financial institutions, and other financial partners. We are not a bank or lender and do not directly sanction or disburse loans.

By using our website or submitting your information through our enquiry forms, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Depending on how you use our website and services, we may collect the following information:

Personal Information

This may include:

• Full name

• Mobile number

• Email address

• Residential or correspondence address

• City and state

• Date of birth, where required

• Employment or business information

• Monthly or annual income

• Loan amount required

• Loan type and purpose

• Property or vehicle-related information, where relevant

• Other information voluntarily provided through enquiry forms or communications

Financial and Loan-Related Information

If you submit a loan enquiry, we may collect information relevant to understanding your requirements and identifying potentially suitable financial products, such as:

• Approximate income

• Employment status

• Existing loan obligations

• Loan requirement

• Property or vehicle details

• Approximate financial eligibility information

• Other information required by the relevant financial partner

Where a lender or financial institution requires additional KYC, financial, or supporting documentation, such information may be collected directly by that lender or through an authorized process.

Technical Information

When you visit our website, certain technical information may be automatically collected, including:

• IP address

• Browser type and version

• Device type

• Operating system

• Pages visited

• Date and time of visits

• Referring website

• General website usage information

• Cookies and similar technologies

We use this information primarily for website functionality, security, analytics, and improving our services.

2. How We Use Your Information

We may use the information collected from you for the following purposes:

• To respond to your loan enquiry

• To understand your financial requirements

• To identify potentially suitable loan options

• To connect you with relevant banks, NBFCs, financial institutions, or other authorized financial partners

• To facilitate communication regarding your enquiry

• To assist with the loan application process

• To provide customer support

• To verify information where necessary

• To improve our website and services

• To maintain website security and prevent fraudulent or unauthorized activity

• To conduct internal analysis and improve our customer experience

• To comply with applicable laws, regulations, court orders, and lawful government requests

• To send service-related communications

• Where permitted and with appropriate consent, to send information about relevant financial products, offers, or services

We seek to collect and use personal information only to the extent reasonably necessary for the relevant purpose.

3. Loan Partner and Financial Institution Sharing

49SecondLoans may share information submitted through a loan enquiry with appropriate banks, NBFCs, financial institutions, lenders, or other authorized financial partners when necessary to facilitate your enquiry or identify suitable loan options.

The relevant lender or financial institution may independently assess:

• Your eligibility

• Creditworthiness

• Documentation

• Income

• Repayment capacity

• Credit history

• Other applicable lending criteria

Any loan approval, rejection, interest rate, processing fee, tenure, repayment schedule, or other lending terms are determined by the relevant lender and are subject to that lender’s policies and eligibility criteria.

49SecondLoans does not guarantee that a loan will be approved or that a particular loan product will be available.

4. Sharing of Information With Service Providers

We may use trusted third-party service providers to support the operation of our website and services.

These may include providers for:

• Website hosting

• Cloud infrastructure

• Website security

• Customer communication

• Email services

• SMS or messaging services

• Analytics

• Technical support

• CRM and enquiry management

• Marketing and communication services

Such service providers may process information only to the extent reasonably necessary to provide their services to us and subject to appropriate contractual or legal safeguards.

5. Legal and Regulatory Disclosure

We may disclose personal information when reasonably necessary to:

• Comply with applicable laws and regulations

• Respond to a valid legal process

• Comply with court orders or government requests

• Protect our legal rights

• Prevent fraud or unlawful activities

• Investigate security incidents

• Protect the safety and security of our users, systems, or business

We may also disclose information where you have provided appropriate consent or where disclosure is otherwise permitted under applicable law.

6. Consent

Where consent is required, we will seek appropriate consent before collecting or processing personal information for the relevant purpose.

By submitting an enquiry form, you confirm that the information provided by you is accurate and that you are authorized to provide such information.

Where applicable, you may withdraw consent for future processing by contacting us. Withdrawal of consent may affect our ability to provide certain services or continue processing a loan enquiry.

7. Communication

When you submit an enquiry, you may be contacted by 49SecondLoans or relevant financial partners regarding your loan requirement.

Communication may take place through:

• Phone calls

• SMS

• Email

• WhatsApp or other messaging platforms

• Other communication channels you have provided or authorized

Service-related communications may continue where necessary to process or respond to your enquiry.

Where required by applicable law, promotional communications will be sent based on appropriate consent or other lawful grounds.

8. Cookies and Similar Technologies

Our website may use cookies and similar technologies to improve website functionality and user experience.

Cookies may help us:

• Remember user preferences

• Understand website usage

• Improve website performance

• Analyze traffic

• Maintain website security

• Measure the effectiveness of marketing campaigns

You can control or disable cookies through your browser settings. Disabling certain cookies may affect some website functionality.

9. Data Security

We take reasonable technical and organizational measures to protect personal information against unauthorized access, misuse, alteration, disclosure, loss, or destruction.

Security measures may include appropriate access controls, authentication mechanisms, secure hosting practices, monitoring, and other reasonable safeguards appropriate to the nature of the information processed.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure. Therefore, while we take reasonable precautions, we cannot guarantee absolute security of information transmitted over the internet.

10. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

• Processing and responding to enquiries

• Providing requested services

• Maintaining business and transaction records

• Resolving disputes

• Preventing fraud

• Complying with legal, regulatory, accounting, or reporting requirements

When personal information is no longer required, we may securely delete, anonymize, or otherwise dispose of it in accordance with applicable requirements and our internal retention practices.

11. Your Rights

Subject to applicable law and the manner in which the relevant provisions become applicable, you may have rights regarding your personal information, including the right to:

• Request information about the personal data we process

• Request correction of inaccurate or incomplete information

• Request deletion of personal information where legally permissible

• Withdraw consent where processing is based on consent

• Raise a grievance regarding the handling of your personal information

• Exercise other rights available under applicable data-protection laws

To exercise an applicable right, please contact us using the details provided in the “Contact Us” section below.

12. Third-Party Websites

Our website may contain links, forms, advertisements, or references to third-party websites, banks, NBFCs, financial institutions, or other services.

Once you access a third-party website or service, that third party’s privacy policy and terms may apply.

49SecondLoans is not responsible for the privacy practices, content, security, or policies of third-party websites or services that we do not control.

We recommend reviewing the privacy policy of the relevant lender or third-party service provider before submitting additional personal or financial information.

13. Children’s Privacy

Our services are intended for adults who are legally capable of entering into financial transactions.

We do not knowingly seek to collect personal information from children or individuals who are not legally eligible to use financial services.

If you believe that a child has provided personal information to us, please contact us so that we can take appropriate steps.

14. Fraud Prevention and Website Security

We may process certain information to detect, investigate, and prevent:

• Fraudulent enquiries

• Identity misuse

• Unauthorized access

• Spam

• Malicious activity

• Security threats

• Attempts to misuse our website or services

This may include technical information such as IP addresses, device information, browser information, and website activity where reasonably necessary.

15. Accuracy of Information

You are responsible for ensuring that the information submitted through our website is accurate, complete, and up to date.

Providing incorrect or misleading information may affect your ability to receive suitable loan options and may result in an enquiry being rejected or discontinued.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect:

• Changes in our services

• Changes in technology

• Changes in applicable laws or regulations

• Changes in our data-processing practices

• Changes in regulatory requirements

Any updated version will be published on this page with a revised “Last Updated” date.

We encourage you to periodically review this page to remain informed about how your information is handled.

17. Contact Us

If you have questions, concerns, requests, or complaints regarding this Privacy Policy or the processing of your personal information, please contact us.

49SecondLoans

Email: info@49secondloans.com
Phone: +91 12345 67890
Website: 49secondloans.com

For privacy-related requests, please include sufficient information to help us identify your enquiry and understand your request.

18. Important Disclaimer

49SecondLoans is a loan facilitation platform and does not itself act as a bank or lender.

Loan approval, disbursement, interest rates, fees, eligibility requirements, repayment terms, documentation requirements, and other conditions are determined by the respective bank, NBFC, financial institution, or lender.

Submission of an enquiry does not guarantee approval or disbursement of a loan.

You should carefully review the terms, Key Facts Statement (KFS), privacy policy, applicable charges, interest rate/APR, repayment obligations, and other documents provided by the relevant lender before accepting any loan offer.