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Effective Date:

1. Introduction

M/s Star Powerz Digital Technologies Pvt Ltd is committed to safeguarding the privacy and security of personal data in our role as intermediaries in the digital lending industry. This Data Privacy Policy outlines how we collect, use, disclose, and protect personal data in compliance with relevant data protection laws.
2. Definitions

Personal Data: Any information that can directly or indirectly identify an individual. Processing: Any operation or set of operations performed on personal data, whether by automated means or not, such as collection, recording, organization, storage, adaptation, and retrieval. Data Subject: An individual to whom personal data pertains.
3. Data Collection
- • Identifying and verifying applicants for digital loans.
- • Assessing creditworthiness.
- • Processing loan applications.
- • Servicing and managing loans.
- • Complying with legal and regulatory requirements.
- • Contact information (name, address, email, phone number).
- • Financial information (income, expenses, credit history).
- • Identification information (government-issued ID, social security number).
- • Employment and income details.
- • Information related to loan transactions.
4. Legal Basis for Processing
- • To perform the contract with the data subject (e.g., processing loan applications).
- • To comply with legal obligations (e.g., regulatory reporting).
- • Based on the data subject's consent when required.
- • For legitimate interests (e.g., fraud prevention, risk assessment).
5. Data Security
- • Encryption of data in transit and at rest.
- • Regular security assessments and audits.
- • Access controls and authentication.
- • Employee training on data security.
6. Data Sharing
- • Lending institutions and financial partners.
- • Credit bureaus and reporting agencies.
- • Legal and regulatory authorities.
- • Service providers who assist with loan processing.
7. Data Subject Rights
- • Right to access and rectify personal data.
- • Right to erasure (where applicable).
- • Right to restrict processing.
- • Right to data portability.
- • Right to object to processing.
- • Right not to be subject to automated decision-making.
8. Data Breach Response
- In the event of a data breach, we will notify affected data subjects and relevant authorities as required by law.
9. International Data Transfers
- If we transfer personal data outside the jurisdiction, we will ensure that adequate safeguards are in place, such as standard contractual clauses or approved binding corporate rules.
10. Policy Updates
- We will regularly review and update this policy to stay compliant with data protection regulations. We encourage data subjects to periodically review this policy for any changes.
11. Contact Information
- If you have any questions or concerns about this policy, please contact our Data Protection Officer (Gutta Rajesh) at [Rajesh@stardigiloans.com].

Effective Date:

1. Introduction

M/s Star Powerz Digital Technologies Pvt Ltd is committed to the responsible and secure storage of personal and financial data. This Data Storage Policy outlines how we store, retain, and protect data in compliance with relevant data protection and industry regulations.
2. Data Types and Categories

We store various types of data, including but not limited to: Personal information: Names, addresses, contact details. Financial information: Income, expenses, credit history. Identification information: Government-issued IDs, social security numbers. Employment and income details. Loan transaction information.
3. Data Storage Principles
- a. Legal Compliance: We adhere to all applicable data protection laws, regulations, and industry standards. We are committed to maintaining the highest standards of data privacy and security.
- b. Data Minimization: We store only the data that is necessary for our legitimate purposes, such as loan processing and compliance with legal obligations.
- c. Retention Period: We retain data for the period required by law and regulatory requirements or as necessary for our legitimate business purposes. We will not retain data longer than needed.
- d. Data Security: We implement robust technical and organizational measures to protect stored data from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, access controls, and regular security assessments.
- e. Regular Review: We periodically review and assess our data storage practices to ensure compliance with changing regulations and evolving security threats.
4. Access Control

Access to stored data is restricted to authorized personnel who require it for legitimate business purposes. Access controls include user authentication and authorization mechanisms.
5. Data Backup

We maintain secure and regular data backups to ensure data integrity and availability. Backup procedures include encryption and secure storage.
6. Data Retention and Deletion

We retain data only for the period required by law or as necessary for legitimate business purposes. When data is no longer required, it is securely deleted or anonymized to protect the data subject's privacy.
7. Data Transfer

If data is transferred outside the organization, we ensure appropriate safeguards are in place to protect data privacy and security, including encryption and secure transmission.
8. Policy Review and Updates

This policy will be periodically reviewed and updated to ensure compliance with data protection regulations and industry best practices. Data subjects and stakeholders will be informed of significant policy changes.
9. Contact Information

If you have questions or concerns about our data storage policy, please contact our Data Protection Officer Gutta Rajesh at Rajesh@stardigiloans.com.