Privacy Policy

Welcome to LendGuru (hereinafter referred to as “the Platform”). This Privacy Policy is intended to clearly explain how we collect, use, store, share, and protect your information when you use our official website and mobile application (collectively, the “LendGuru Platform”).

LendGuru is operated by XALIVANDRA PRIVATE LIMITED, registered at:

First Floor, Plot no 31A, Sector 18, Udyog Vihar, DLF QE, Gurgaon-122002, Haryana.

We cooperate with the licensed Non-Banking Financial Company (NBFC) Mayoga Investments Limited to provide you with secure, transparent, and compliant personal loan products and related financial services.

Why We Collect Information

We collect necessary information to help you complete identity verification and credit assessment quickly, provide tailored loan solutions, and continuously improve your service experience.

By using this Platform, you agree that we may process your personal information in accordance with this Policy.

Information We May Collect

Information You Provide or Authorize:

• Basic Information: Name, date of birth, contact details, address, email, PAN number, etc.
• Occupation & Income: Employer details, income level, salary cycle, etc.
• Identity Verification Materials: Identity documents, selfies, facial recognition, etc.
• Location Data: GPS location, IP address, etc.
• Customer Support Records: Chat logs, email correspondence, etc.
• Preferences & Habits: Product preferences, credit tendencies, etc.
• Financial SMS Data: (only with your consent): Access limited to finance-related SMS (e.g., loans, repayments, credit records), used for credit evaluation and fraud prevention. Data collected includes sender number, timestamp, SMS content, and read status. All data is encrypted and securely transmitted.

Information Collected Automatically:

• Device Information: IP address, device ID, operating system, browser type, etc.
• Location Information: From GPS or network-based services.
• Application Information: Installed apps, camera access (only for identity verification and document uploads).

How We Use Your Information

We may use the information collected to:

• Provide and optimize loan services
• Complete identity verification and credit assessment
• Improve functionality and user experience
• Send notifications, reminders, and service recommendations
• Comply with laws, regulations, and supervisory requirements
• Prevent fraud, misuse, or abuse of services
• Conduct data analysis and product development

Information Sharing & Disclosure

We only share your information under necessary circumstances and in compliance with applicable laws and regulations, such as:

• Credit Bureaus: For credit assessments (e.g., soft inquiries)
• Partners or Acquirers: In case of corporate restructuring, mergers, or asset transfers
• Regulatory Authorities or Courts: When required by law
• Other Legitimate and Necessary Purposes

Children's Privacy

Our services are not directed at individuals under 18 years old, and we do not knowingly collect their information. If such cases are discovered, we will promptly delete the information upon notification.

Data Security

We adopt industry-standard security measures to protect your data from unauthorized access, misuse, or disclosure, and we regularly update our security strategies to ensure confidentiality and integrity of information.

Contact Us

If you have any questions regarding this Policy or how we handle your information, please contact us at:

📧 Email: developer@xalivandra.com