This document outlines the practices through which PawramLoan—developed by PAWRAM TRADING PRIVATE LIMITED ("we," "our," or "us")—gathers, processes, stores, and secures your personal data. By installing or using the PawramLoan platform, you acknowledge and accept the data handling methods described within this policy.
PawramLoan is a digital platform created and managed by PAWRAM TRADING PRIVATE LIMITED ("Pawram", "we", or "our").
Pawram's primary role is to facilitate the loan application process and ensure the technical upkeep of the platform. We do not provide financing directly. Instead, we enable users to connect with Udvai Traders Private Limited, a certified Non-Banking Financial Company (NBFC), which is responsible for assessing, approving, and issuing loans submitted through the platform.
By engaging with PawramLoan, you recognize that Pawram acts only as a facilitator and that Udvai Traders is the authorized institution in charge of evaluating and issuing your loan.
To process your loan request, we gather personally identifiable details such as your full name, phone number, and identity verification documents including your PAN and Aadhaar cards. We also collect financial data, such as your income information, bank account numbers, and other fiscal indicators. Employment-related details are obtained to determine your financial standing and loan qualification. In addition, we store specifics related to your loan request, such as the amount sought and your preferred repayment terms.
Camera
To support secure user authentication, our application may request access to your camera. This enables real-time photo capture for identity confirmation during onboarding or verification processes.
Location
Geolocation data may be collected to enhance fraud prevention mechanisms, validate your address, and provide localized services relevant to your region.
Credit Score
To accurately evaluate your financial reliability, we may access your credit profile. This allows us to review your borrowing history, reduce the risk of fraud, and streamline the overall application and disbursement workflow. Your approval enables us to retrieve this data for credit scoring purposes in a legally compliant manner.
SMS Access
With your permission, we may review specific SMS data to generate a credit report based on recent financial activity. This insight is crucial for assessing eligibility. Without this access, we may not be able to produce a reliable credit assessment, which could delay or prevent the loan approval process.
To enhance app functionality and performance, we utilize third-party tools—such as Firebase and Adjust—that collect device-specific identifiers. These may include device model, system version, IP address, and device ID. The purposes include:
a. Performance Optimization
We utilize device characteristics to ensure that the app operates smoothly and adapts appropriately to different hardware setups, offering tailored user experiences.
b. Analytical Insights
By tracking app engagement and feature usage, we can analyze behavior patterns and improve load speeds and interaction flow.
c. Security and Anti-Fraud Measures
Device IDs aid in monitoring activity anomalies, swiftly detecting suspicious behavior, and safeguarding user accounts from potential threats.
d. Encrypted Transmission and Storage
All device-related information is encrypted during storage and transfer, ensuring compliance with data protection protocols and legal mandates.
e. User Privacy Controls
We respect your autonomy over data use. You can disable location tracking from your device settings, or opt out of interest-based advertising by adjusting ad preferences within your device.
f. Limited Sharing with External Parties
Device IDs are only shared with external vendors when necessary for legal compliance, security auditing, or fraud management. Any third-party access is strictly regulated under privacy agreements to ensure responsible data handling.
Loan Application Workflow
Information is gathered to evaluate your eligibility and finalize the loan approval process, which includes verifying both your personal and financial credentials.
User Communication
We may use your contact details to keep you updated regarding your loan progress, due payments, and other service notifications.
App Enhancement
Usage trends and device data help us improve the platform's responsiveness, reliability, and feature offerings.
Safety and Risk Management
Collected data assists in identifying potential threats, preventing unauthorized activity, and reinforcing overall security.
Tailored User Experience
Your information enables us to present custom loan offers and promotional content that are better aligned with your profile and financial preferences.
Loan requests made via the PawramLoan application are managed by Udvai Traders Private Limited, which handles all aspects of eligibility review, approval, and fund distribution. Although PAWRAM TRADING PRIVATE LIMITED is in charge of platform maintenance and user interface, all financial evaluations and disbursements are executed by Udvai Trader.
Details submitted during your loan request — including but not limited to income data, employment background, and personal identifiers — are forwarded to Udvai Traders Private Limited. This transfer is essential to carry out the evaluation, approval, and delivery of loan-related services.
This policy adheres to Indian regulations and complies with applicable privacy laws, including the Information Technology Rules, 2011 concerning sensitive personal data and security protocols. All activities related to data processing follow Indian legislative mandates.
Our digital services utilize cookies and similar technologies to retain your preferences, optimize navigation, and improve system functionality. You have the option to manage these settings via your device to control how such data is stored or disabled.
By interacting with the PawramLoan ecosystem, you grant permission for your data to be gathered, used, and shared in accordance with the principles and terms outlined in this policy.
We may provide access to your information under the following circumstances:
We only retain personal data for as long as it is required to fulfill operational or legal obligations, such as during active repayment periods. Protection of your information is enforced using encrypted transmission channels and recognized cybersecurity protocols. You may request to inspect, correct, or delete your data through the support options provided in the PawramLoan app or website.
Additional offerings such as financial counseling or loan protection coverage may be introduced from time to time. Should these require further data input, your explicit consent will be requested beforehand. Furthermore, we may contact you with transactional messages or promotional content related to our offerings. If preferred, you may opt out of marketing emails through the unsubscribe link embedded in the communication.
You agree to assume responsibility for any legal claims, damages, or losses that may result from your breach of this policy or violation of relevant laws. This includes protecting PAWRAM TRADING PRIVATE LIMITED, Udvai Traders Private Limited, their associates, and employees from liabilities stemming from such violations.
Although stringent security measures are implemented, absolute protection over internet-based data transmission cannot be guaranteed. By continuing to use our platform, you acknowledge the inherent risks of online engagement. We reserve the right to restrict or revoke your access if policy violations or fraudulent activity are detected.
This policy is interpreted in alignment with Indian legal standards. Any conflicts or legal matters will be resolved within Indian courts. We shall not be held responsible for failure to act due to external forces beyond our control — such as acts of nature, armed conflict, or systemic technical breakdowns.
This privacy statement may be updated from time to time. Any revisions will be communicated via our digital channels. Continued access or use of our services following the publication of these changes implies acceptance of the amended policy terms.
Email: contact@pawramtrading.com
Website: https://www.pawramtrading.com
Address: FLAT NO .713 DEVIKA TOWER 6,NEHRU PLACE NEW DELHI, Nehru Place, South Delhi, New Delhi, Delhi 110019, India
Email: support@udvai.com
Website: https://www.udvai.com
Address: KH. NO. 191, 196 CHIMNAZARI, CHANDRAPUR ROAD , TAL NAGPUR (RURAL) CHIMNAZARI NAGPUR MH 441108 , Nagpur, Maharashtra, India - 441108