Delete and Retain Personal Information

Kittur Loop maintains a comprehensive data lifecycle management architecture designed to govern personal data with confidentiality and technical rigor. Personal details, financial metrics, and telemetry records collected through our platform are processed solely to facilitate revolving credit services, prevent financial crime, and meet statutory requirements under the Digital Personal Data Protection Act, 2023 (DPDPA), the Prevention of Money Laundering Act, 2002 (PMLA), and digital lending guidelines issued by the Reserve Bank of India (RBI).

Once data is no longer necessary for ongoing credit obligations or compulsory legal preservation, it is subjected to non-recoverable deletion or irreversible anonymization.

In accordance with Indian statutory and financial record-keeping regulations, customer data categories are preserved in accordance with the following timelines:

• Identity Credentials & Loan Records: Official identity documentation (including PAN details and Aadhaar-verified profiles), credit underwriting assessments, transactional history, and payment ledgers are stored securely for a mandatory term of five (5) years following profile termination or full loan discharge, as required under PMLA directives.
• User Profile & Contact Information: Account registration data, verified mobile phone numbers, primary email addresses, and profile settings are maintained throughout your active usage. Following account deletion, this information is moved to encrypted, access-restricted repositories for a statutory retention window of five (5) years to fulfill regulatory compliance checks.
• System Diagnostics & Telemetry Data: App diagnostic traces, crash error logs, and device hardware specifications are retained for a maximum duration of two (2) years from collection to support system debugging, platform performance refinement, and security monitoring.

Pursuant to data principal rights under the DPDPA 2023, Kittur Loop provides structured mechanisms for user-requested record removal and automated data cleanup:

• User-Requested Profile Deletion: You possess the statutory right to request the erasure of your personal information from our active databases. Formal deletion requests must be submitted using your registered email address to business@kitturloopcreditline.com, or through our Delete Account page. Our data protection unit will evaluate and complete verified requests within fifteen (15) business days, subject to statutory retention obligations.
• Inactivity Cleanup Procedure: Account profiles that remain inactive without logins, credit applications, or transaction activities for eighteen (18) consecutive months will be flagged for automated archiving or deletion. Users will receive an advance notification via SMS or registered email thirty (30) days prior to execution of the purge.

Official Website: https://www.kitturloopcreditline.com

Privacy Policy URL: https://www.kitturloopcreditline.com/privacy-policy

Customer Support Email: business@kitturloopcreditline.com