1. Introduction
Wiseloan, product of Tradecraft Overseas (“Tradecraft”, “we”, “us”, or “our”) is committed to protecting your personal information and your right to privacy.
This Privacy Policy explains how we collect, use, share, and safeguard your data when you visit https://wiseloan.co.in/, https://tradecrafts.in/ (the “Website”) or use our Services within the Mobile Application. If you have questions, contact us at info@wiseloan.co.in. If you do not agree with this Policy, please discontinue use of the Services immediately.
2. What Information Do We Collect?
Personal Information You Disclose: Full name, phone number, email address, and other details you voluntarily provide during registration or application. All information must be true, complete, and accurate.
Automatically Collected: IP address, browser and device type/characteristics, operating system, language preferences, referring URLs, approximate location (country/city level), usage data, and timestamps.
Log Files & Analytics: IP logs, clickstream data, browser information, Internet Service Provider (ISP), access times, and interaction patterns — used for security, fraud prevention, analytics, and service improvement (aggregated/anonymized where possible).
Device Access: One-time access to camera during login profile setup(optional), location, or other features solely for KYC/onboarding purposes, with your explicit consent per RBI guidelines. We do not access call logs, contacts, files, media, telephony functions, or any other sensitive device data.
3. How Do We Use Your Information?
We process your information for legitimate business interests, performance of contract, legal obligations, and your consent, including:
- Service delivery, account management, and communications (calls, SMS, IVR, WhatsApp respecting DND)
- Fraud prevention and security
- Credit checks, eligibility assessment, and application processing
- Marketing and promotional communications (with consent)
- Targeted advertising and personalized content
- Internal analytics, trend identification, and service improvement
4. Will Your Information Be Shared With Anyone?
We share information only with your explicit consent, to comply with law, to provide services, protect rights, or fulfill business obligations:
Partner Sharing: With banks, NBFCs, insurers, and other partners under valid contracts per DPDP Act 2023, solely for product-related outreach, eligibility checks, and fulfillment.
Credit Bureau / CIC / CKYC / Lender Sharing: With Credit Information Companies, credit bureaus, CKYC, and lenders for credit checks, bureau pulls, and eligibility assessment. We do not sell, rent, or trade your personal information to third parties for their independent promotional purposes.
5. Cookies Policy
We use strictly necessary, functionality, performance, and third-party cookies. You can manage cookies through your browser settings, but disabling them may limit Website functionality.
6. How Do We Keep Your Information Safe?
We implement appropriate technical and organizational security measures. However, no method of transmission or electronic storage is 100% secure. Data is stored in India and deleted if no activity from user on the website or app within 90 days timeline.You provide information at your own risk.
7. Do We Collect Information from Minors?
We do not knowingly collect data from or market to individuals under 18 years of age. If we become aware of such data, we will delete it immediately.
8. Consent Validity, Retention, and Auto-Purge
Consent for applications, communications, and data sharing is valid for 15 days from the date of submission or until withdrawn. Personal data is retained for a maximum of 15 days (or longer only if required by law), after which it is automatically purged/deleted (except anonymized/aggregated data or legally mandated records).
9. Grievance Officer (Under DPDP Act, RBI, and TRAI)
For privacy concerns, data rights requests (access, correction, erasure, consent withdrawal), or complaints:
Name: Sneha Tiwari
Address: Tradecraft Overseas. B401, 4th Floor, Kailas Business Park. Vikhroli West. Mumbai-400079. India
Phone: +91 9321577549
Email: info@wiseloan.co.in
We acknowledge grievances promptly and resolve them within the timelines prescribed under DPDP Act/RBI guidelines. If unsatisfied, you may escalate to the RBI Complaint Management System or Sachet Portal.
You can also raise your concerns through the official grievance redressal channels of the concerned authorities:
Please review ‘our lending partners’ page for grievance redressal links. Additionally, user can reach lender Bank/NBFC through their website for redressal support. Redressal shall be provided within the mentioned timeline of the lender
10. Updates to This Privacy Notice
We may update this Policy from time to time. The updated version will show a new “Last updated” date. Material changes will be notified via a prominent notice on the Website or direct communication.
11. Contact Us
For questions, data requests, opt-outs, or feedback:
Email: info@wiseloan.co.in
Website: https://tradecrafts.in/, https://wiseloan.co.in/
By using our Website or Mobile Application Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.
Disclaimer:
Wiseloan, product of Tradecraft Overseas acts solely as a Lending Service Provider (LSP).
Loan approval, disbursal, interest rates, fees, and repayment terms are determined exclusively by the partnered Regulated Entity (RE). This page is published in compliance with RBI Digital Lending Directions, 2025. For queries, write to info@wiseloan.co.in