Privacy Policy

1. Introduction
At SDL, we prioritize the privacy and security of our users’ personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use the SDL portal. By accessing or using our services, you agree to the collection and use of information as described in this policy.

2. Information We Collect
We collect only the information necessary to facilitate your participation in the SDL portal and provide friendly loan services, including:

Personal identification information (e.g., name, contact details)
Consent records related to agreements and loan terms
Loan transaction details and repayment schedules
Savings wallet transaction data
User preferences such as salary date for repayment
3. How We Use Your Information
Your information is used solely to:

Verify and authenticate your identity and consent
Manage your friendly loan applications, disbursements, and repayments
Calculate and apply interest, fees, and savings wallet credits transparently
Provide customer support and communication regarding your account
Ensure compliance with legal requirements and protect against fraud
Improve and customize your experience on the SDL portal
4. Data Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties.
Your data is shared only with trusted partners who support SDL’s operations under strict confidentiality agreements.
Legal disclosure: We may disclose your information if required by law or to protect SDL’s legal rights, including in cases of non-repayment as outlined in our legal recourse policy.
5. Data Security
We implement robust security measures to protect your data from unauthorized access, alteration, disclosure, or destruction.
Access to your data is limited to authorized SDL team members and service providers who need it to perform their duties.
6. User Rights
You have the right to access, correct, or delete your personal data stored in the SDL portal, subject to legal or operational constraints.
You can withdraw your consent at any time; however, this may affect your ability to access loans or related services.
For any data privacy concerns or requests, please contact our support team.
7. Cookies and Tracking
SDL portal uses minimal cookies or tracking technologies necessary to maintain user sessions and improve functionality.
No invasive tracking or third-party advertising cookies are used.
8. Retention of Data
We retain your personal and transaction data only as long as necessary to fulfill the purposes outlined, comply with legal obligations, or resolve disputes.
9. Changes to This Privacy Policy
SDL may update this Privacy Policy from time to time. We will notify users of significant changes via the portal or email and obtain renewed consent if required.
10. Contact Us
For questions or concerns about this Privacy Policy or your personal data, please contact: shubhdhanlakshmifund@gmail.com.