Privacy Policy

01 Introduction

Altus Capital Consultancy Pvt. Ltd. ("Altus Capital", "we", "our", or "us") is committed to protecting the privacy of individuals who interact with our website, services, and team. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and the rights you have over your data.

This policy is published in accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and Rule 3 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

By using our website, submitting any form, or engaging our services, you confirm that you have read and understood this policy.

02 Information We Collect

We collect personal information in two ways:

Information you provide to us

• Name, mobile number, and email address
• Age, gender, and marital status (where relevant)
• Monthly income, employment type, and employer details
• Self-reported CIBIL or credit score range
• Loan amount, tenure, and purpose
• Identity and financial documents shared for loan applications — PAN, Aadhaar, salary slips, ITR, bank statements, property documents
• Communication records — chat, WhatsApp, email, and phone exchanges with our team

Information collected automatically

• Browser type, operating system, and device information
• IP address and approximate geographic location
• Pages visited, time spent, and click behaviour on our website
• Cookies and similar tracking technologies (see Section 07)

03 How We Use Your Information

We use your information solely for legitimate business purposes, including:

• Matching your profile to suitable loan products from our partner lenders
• Identifying government schemes you may qualify for — NEEDS, UYEGP, AABCS, TWEES, MEGP, PMEGP, CLCSS, PMFME, TAHDCO programs and others
• Contacting you about your application via phone, WhatsApp, email, or SMS
• Coordinating with banks and NBFCs on your behalf during loan processing
• Maintaining records as required by regulatory, RBI, and accounting laws
• Improving our website, tools (EMI calculator, eligibility checker), and customer service
• Sending you relevant updates about our services — you may opt out at any time

04 How We Share Your Information

We share your information only when necessary to deliver our services or to comply with the law:

With lending partners

When you authorise us to apply for a loan, we share your information with relevant banks and NBFCs from our panel of 20+ partners. The exact lenders depend on your profile and product preference.

With government departments

For scheme applications such as UYEGP, NEEDS, PMEGP, PMFME, or TAHDCO programs, we may submit your application and supporting documents to the relevant department or implementing agency.

With service providers

We use trusted third parties for document storage, CRM, communication, and analytics. These providers are bound by confidentiality obligations and process data only on our instructions.

With legal authorities

When required by law, court order, or to protect our legal rights, prevent fraud, or respond to regulatory requests.

05 Data Retention

We retain your personal information for as long as necessary to provide our services and fulfil legal obligations:

• Active client records: Throughout your loan tenure, plus 7 years after closure, as required by RBI and income tax laws
• Unsuccessful applications: 24 months from last contact
• Marketing communication data: Until you withdraw consent

After these periods, your data is securely deleted or anonymised.

06 Your Rights

Under the DPDP Act, 2023 and applicable Indian laws, you have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete information
• Erase your data, subject to legal retention requirements
• Withdraw consent to data processing at any time
• Receive a copy of your data in a portable, structured format
• Lodge a grievance with our Grievance Officer or, if unresolved, with the Data Protection Board of India

To exercise any of these rights, contact our Grievance Officer (Section 12).

07 Cookies

Our website uses cookies and similar technologies for:

• Essential site functionality — session management, form submissions
• Analytics to understand how visitors use our site
• Remembering your preferences across visits

You can disable cookies in your browser settings, though some site features may not work properly.

08 Data Security

We implement reasonable security practices including encrypted data transmission (HTTPS), restricted access to client data on a need-to-know basis, secure document storage, and regular access reviews. However, no internet transmission is 100% secure, and you share information with us at your own risk.

09 Third-Party Links

Our website may contain links to third-party sites — bank portals, government scheme pages, payment gateways. We are not responsible for their privacy practices. Please review their policies independently before sharing information with them.

10 Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect data from minors. If you believe we have, please contact us and we will delete it promptly.

11 Changes to This Policy

We may update this policy from time to time. Material changes will be communicated via our website or directly via email or SMS. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of our services after changes constitutes acceptance.

12 Grievance Officer

For any privacy-related concern, complaint, or request to exercise your rights, please contact:

We will acknowledge your grievance within 48 hours and resolve it within 30 days, in line with the DPDP Act and IT Rules, 2011.