LoanCheckup

Your dataPlain words, no legal fog.

Privacy policy

What LoanCheckup collects, why, and how to take it back.

Effective 17 October 2026 · Version 1.0

Who we are

LoanCheckup is run by DGK Technologies. For the data you give us we are the Data Fiduciary under the Digital Personal Data Protection Act, 2023 (DPDP Act).

Business name
DGK Technologies

What we collect, and why

WhenWhatWhy
You send a review (optional)What happened, any rates you chose to add, and, only if you tick the box, your first name and city.To show your comment on the site after we have read it. We never show your email. Ask us to remove it at any time.
You use a free toolLoan figures you type and any PDF you drop in. These stay in your browser. We never receive them.To work out your result on screen.
You tick "remember my details"Those details, saved in your own browser on this device.So you do not retype them.
You create an accountYour email and the sign-in code we send it.To sign you in and send the emails you want.
You add a loan or credit reportLender, amount, rate, tenure, EMI, fees, and your credit score with a few summary figures. The PDF is read in your browser and is not uploaded.To show what each loan could save you and tell you when something changes.
You ask for a download by emailYour email, which file you asked for, whether you ticked the box to hear from us, and, for the letter, the text you typed. The file is attached to one email.To send you the file and keep a record. We write to you again only if you ticked the box, and every email has an unsubscribe link.
You send us feedbackWhat you type in the form: what happened with your loan, an optional lender, rates and email, and any suggestion. No sign-in is needed, and we ask you not to write names or account numbers.To learn whether the tools work, and to improve them. We email you only if you gave an address and agreed to a follow-up.
You ask for alerts or share a rateYour email with your loan amount and rate; or the lender, rate, amount band and tenure you got. Shared rates show only as averages, and only when five or more people report the same lender.To email you what a rate decision means, and to publish real rates.
You payPlan, amount, date and payment ID. We never see your card, UPI or bank details.To give you the plan and keep tax records.
You visit or write to usServer logs (IP address, time, page, device, errors) and your message.Security, and to answer you.

We do not ask for your PAN, Aadhaar, bank account number, card number or passwords. Please do not enter them.

Who we share data with

We do not sell your data and do not share it with lenders, banks, advertisers or data brokers. A few service providers handle data for us, only on our instructions: Supabase (sign-in and database), Resend (emails), Razorpay (payments) and Cloudflare (hosting). We may disclose data if a court or regulator legally orders us to. Our database is hosted in India (Mumbai); our email provider may process your email address and the email content outside India, which the DPDP Act permits.

Security and how long we keep data

Everything travels over HTTPS, data is encrypted at rest, and each account can read only its own rows. We keep access logs for at least a year. If your data is ever breached, we tell you without delay in plain words and report it to the Data Protection Board and CERT-In as the law requires.

  • Free tools: we keep nothing.
  • Account data: while your account is open. Ask us to close it and we erase everything, including your email, within 30 days.
  • Payment and tax records: as long as tax law requires, generally 6 years.

Your choices and rights

We use your data only for the reasons above and only with your consent. You can withdraw it any time, as easily as you gave it: switch a feature off in My account > Emails, press Delete my data in My account > Plan and data, or email support@loancheckup.in to close the account completely.

Under the DPDP Act you can also ask what data we hold, have it corrected or erased, and name someone to act for you. Email support@loancheckup.in from your account address. We aim to reply within 2 working days and finish within 30 days, free of charge, after confirming it is you. Unhappy with our answer? You can complain to the Data Protection Board of India.

LoanCheckup is for adults. We do not knowingly collect data from anyone under 18.

Cookies

No advertising cookies. We use Microsoft Clarity to see how pages are used: where people click, how far they scroll and where they get stuck. Clarity sets two first-party cookies (_clck and _clsk) to tell visits apart. We do not load it if your browser sends Do Not Track, and the text and every box on the page are masked, so a loan figure, rate, lender, name, file or email you type or see is not recorded. Microsoft processes this data under its own privacy statement. We also count page views and button clicks with Umami, which uses no cookies and stores no personal data. We use your browser's storage only for your light or dark choice, details you chose to remember, and your sign-in. We email only what you asked for (sign-in codes, receipts, alerts), never promotions, and only by email, with a one-click unsubscribe.

Questions or complaints

Write to support@loancheckup.in. Our Grievance Officer is named in the Terms, and we follow the IT Act, 2000, its 2011 data rules, and the DPDP Act and Rules, 2025. We will update this page, and email you, before any change that affects data you already gave us.