Privacy Policy
How we collect, use, and share your information
Last Updated: January 2025. This Privacy Policy explains how MyEMIGuru ("we", "us", "our"), operated from Bangalore, Karnataka, India, collects, uses, and shares your information when you use our website at www.myemiguru.com.
1. Information We Collect
Information you provide directly: When you fill in the Loan Quotation form or Contact Us form, we collect your name, email address, mobile number, city, state, loan type, loan amount, credit score range, employment type, and annual income.
Authentication data: When you sign in with Google, we receive your name, email address, and profile picture from Google's OAuth service. We do not receive or store your Google password.
Usage data: We collect information about how you use our calculators and website — including pages visited, calculator inputs (not stored server-side), session duration, and device/browser type via analytics tools.
Cookies and tracking: We use cookies and similar technologies. See our Cookie Policy for full details.
2. How We Use Your Information
- To process your loan quotation request and connect you with appropriate lending partners.
- To respond to your enquiries submitted through the Contact Us form.
- To send you personalised loan offers, product updates, and financial guidance (you may opt out at any time).
- To improve our calculators, content, and user experience using aggregated analytics.
- To comply with legal obligations under applicable Indian law.
- To detect and prevent fraud and misuse of our services.
3. Sharing Your Information with Third Parties
We share your information with trusted third parties as follows:
- Lending Partners: When you submit a Loan Quotation request, your information is shared with our verified bank, NBFC, and fintech lending partners who may contact you with personalised loan offers. These partners have their own privacy policies governing how they handle your data.
- Service Providers: We use third-party service providers for email delivery, analytics (Google Analytics), advertising (Google AdSense), and authentication (Google OAuth). These providers process data on our behalf under strict data processing agreements.
- Legal Compliance: We may disclose information to courts, regulators, or law enforcement agencies when required by applicable law.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the new entity.
4. Data Security
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or destruction. Loan quotation form data is stored in your browser's local storage and processed securely. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.
5. Your Rights
Under applicable Indian data protection law, you have the right to: access your personal data we hold, request correction of inaccurate data, request deletion of your data (subject to legal retention obligations), and withdraw consent for marketing communications. To exercise these rights, contact us at support@myemiguru.com.
6. Retention
We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, or as required by law. Loan quotation data stored in your browser is retained locally and can be cleared by you at any time.
7. Children's Privacy
Our services are not directed at persons under 18 years of age. We do not knowingly collect personal data from children.
8. Contact Us
For privacy-related enquiries or to exercise your rights, please contact our Grievance Officer at: support@myemiguru.com | MyEMIGuru, Bangalore, Karnataka, India.