Privacy policy

Unbias Lending is a brand of Fayda Fintech Private Limited (CIN U66190GJ2025PTC158241), with its registered office at 801, Shivalik Shilp 2, Opp. ITC Narmada, Vastrapur, Ahmedabad, Gujarat 380015, India (“Unbias Lending”, “we”, “us”).

This policy explains how we handle your personal data when you use www.unbiaslending.com or app.unbiaslending.com, or talk to us on WhatsApp, by phone or by email. We are the Data Fiduciary for this data under India’s Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025. We also follow the Reserve Bank of India’s directions on digital lending, which apply to us as a lending service provider to banks, NBFCs and housing finance companies.

What we collect

• Details you give us: your name, mobile number, email address, city, employment type, income, existing EMIs, the property you are buying or own, the loan you need and, for a balance transfer, your current lender, outstanding amount, interest rate and repayment record.
• Your credit information: with your consent, we obtain your credit report and score from a credit information company (such as TransUnion CIBIL, Experian, Equifax or CRIF High Mark) to work out which lenders are likely to approve you. This is a soft enquiry. It does not affect your credit score.
• Documents: the documents a lender needs to assess your application, such as PAN, Aadhaar, income proof, bank statements and property papers. We ask for these only after you choose to go ahead with a lender.
• Conversations: the messages, call notes and emails you exchange with your advisor about your application.
• Technical data: basic information such as your device and browser type, the pages you visit, and logs of how our systems processed your data. We use it to keep the service working and secure.

We do not collect biometric data, and we do not access the contacts, files, media or call logs on your phone.

Why we use it

• To match you with lenders whose rules your profile fits, and to show you their offers ranked by interest rate.
• To prepare your application, submit it to the lenders you choose, and keep you updated until your loan is disbursed.
• To contact you about your application by phone, SMS, email or WhatsApp.
• To meet our legal and regulatory obligations, and to prevent fraud and misuse.

We use your data only for these purposes. We rely on the consent you give when you submit an application, ask us for help, or agree to a credit check. You can withdraw that consent at any time (see Your rights below).

Who we share it with

• The lenders you choose. We send your application and documents to a bank, NBFC or housing finance company only after you ask us to apply with them. For some lenders we work directly as their direct selling agent (DSA); for others we work through a corporate DSA that holds the agreement with that lender, and your application passes through them. Your advisor tells you which applies to your application before anything is sent. Once a lender receives your data, its own privacy policy also applies.
• Credit information companies, to obtain your credit report with your consent.
• Service providers who work for us: cloud hosting and storage, our customer-management system, and messaging and calling providers, including Meta’s WhatsApp Business platform. They process your data only on our instructions and under contracts that require them to protect it.
• Authorities, where the law requires us to.

We do not sell your personal data, and we do not share it for anyone else’s marketing.

Where it is stored

Your data is stored on servers in India (Mumbai). If a service provider ever processes it outside India, we require the data to be deleted there and brought back to India within the time the RBI’s rules allow.

How we protect it

We use industry-standard safeguards, including encryption of data in transit and at rest, access controls that limit your data to the people working on your application, and monitoring and logs of how it is accessed. No system is completely secure. If a breach affects your data, we will tell you and the Data Protection Board of India as the law requires.

How long we keep it

• Your documents (KYC, income and property papers) are passed to the lender you apply with. We delete our copies within 90 days after your application is disbursed, rejected or withdrawn, unless the law or that lender requires us to keep them longer.
• Your application record (your contact details, the loan you asked about and the outcome) is kept for 3 years after your last interaction with us, so that we can answer questions, deal with complaints and meet our obligations to lenders.
• Processing logs are kept for at least one year, as the Digital Personal Data Protection Rules, 2025 require.

When the retention period ends, we erase your data. Where the law requires it, we will tell you at least 48 hours beforehand.

Cookies and analytics

The site does not currently use advertising or analytics cookies. We may add analytics tools to understand how the site is used. If we do, we will list them here and ask for your consent where the law requires it.

Your rights

You can:

• ask what personal data we hold about you and who we have shared it with;
• ask us to correct, complete or update it;
• ask us to erase it, unless we are required to keep it;
• withdraw your consent, as easily as you gave it;
• nominate someone to exercise these rights for you if you die or cannot do so yourself;
• raise a grievance with us.

Withdrawing consent stops further processing but does not affect what was done before. If you withdraw consent while an application is in progress, we may not be able to continue with it.

To use any of these rights, write to support@unbiaslending.com or call +91 90154 46446. We will respond within 30 days, and sooner where we can.

Grievances

If you are unhappy with how we have handled your data or your application, contact our Grievance Officer:

Grievance Officer Fayda Fintech Private Limited 801, Shivalik Shilp 2, Opp. ITC Narmada, Vastrapur, Ahmedabad, Gujarat 380015 support@unbiaslending.com · +91 90154 46446

We acknowledge every complaint and aim to resolve it within 30 days. If you are not satisfied with our response, you may complain to the Data Protection Board of India. For complaints about a lender, see our disclaimer.

Changes to this policy

When we change this policy, we will post the new version on this page and update the date at the top. If a change affects how we use data you have already given us, we will tell you directly.