Privacy Policy

Who We Are

LoanDesk Advisory, operating as Digvijaya Loandesk Consultancy Pvt Ltd, is a financial advisory and property consulting firm based in Bengaluru, Karnataka. We provide home loan guidance, mortgage advisory, CIBIL improvement, property guidance, legal due diligence, and NPA property support services.

This Privacy Policy governs the collection, use, storage, and disclosure of personal information submitted through our website (https://loandeskadvisory.com/), contact forms, telephone consultations, and any other interaction with our services.

Information We Collect

We collect only the information necessary to deliver our services and respond to your enquiries. This includes:

Information you provide directly:

• Full name, email address, and phone number (via contact or consultation forms)
• Financial details such as monthly income, existing EMIs, and age (entered voluntarily in our loan eligibility calculator)
• Property-related queries and details shared during consultations
• Service preferences and the nature of your enquiry
• Any documents or information shared with our advisors directly via email or in person

Information collected automatically:

• Browser type, device type, and operating system
• IP address and approximate geographic location
• Pages visited on our website, time spent, and referring URLs
• Cookie data (see Section 6 for details)

We do not collect sensitive personal data such as Aadhaar numbers, PAN details, or bank account information through our website. Such information, if required for advisory purposes, is collected through secure, offline channels with your explicit consent.

How We Use Your Data

Your information is used solely for the following purposes:

• Service delivery — to provide home loan advisory, property guidance, CIBIL counselling, and other consulting services you have requested
• Communication — to respond to your enquiries, schedule consultations, and share relevant updates about your case
• Eligibility assessment — to generate indicative loan eligibility estimates using the data entered in our calculator (this data is not stored server-side)
• Improvement of services — to analyse aggregate usage patterns and improve the usability of our website
• Legal compliance — to fulfil regulatory or legal obligations applicable to financial consulting firms in India
• Follow-up communications — to share consultation summaries, recommended next steps, or relevant financial information (only with your consent)

Data Sharing & Disclosure

We take your privacy seriously and do not sell, rent, or trade your personal information. We may share your data only in the following limited circumstances:

• With your consent — when you explicitly authorise us to share your profile with a specific bank, lender, or legal partner for the purpose of loan processing or property verification
• Service providers — with trusted third-party tools (such as our form submission service, Web3Forms) that process data on our behalf and are contractually bound to confidentiality
• Legal obligations — if required by law, court order, or a government authority in India, we may disclose information as legally mandated
• Business continuity — in the event of a merger, acquisition, or restructuring of our business, personal data may be transferred to a successor entity under equivalent privacy protections

In all cases of sharing, we disclose only the minimum information necessary and ensure appropriate protections are in place.

Data Security

We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction.

• Our website uses HTTPS encryption for all data transmitted between your browser and our servers
• Contact form submissions are routed through secure, encrypted channels
• Access to client information within our team is restricted on a need-to-know basis
• Physical documents and sensitive case files are stored securely at our office premises

While we take all reasonable precautions, no method of transmission over the internet or method of electronic storage is 100% secure. We encourage you to avoid sharing highly sensitive documents (e.g., identity documents, bank statements) via email and instead use in-person consultation for such exchanges.

Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience and understand how visitors interact with our pages.

Types of cookies we use:

• Essential cookies — necessary for the website to function correctly (e.g., navigation, form integrity)
• Analytics cookies — help us understand page performance and visitor behaviour in aggregate, anonymised form
• Preference cookies — remember choices you've made to improve your experience on return visits

You can control or disable cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of some features on our website. We do not use cookies to track you across third-party websites or for advertising purposes.

Your Rights

As a user of our services, you have the following rights regarding your personal data:

• Right to access — you may request a summary of the personal information we hold about you
• Right to correction — you may request that we correct inaccurate or outdated information
• Right to deletion — you may request that we delete your personal data, subject to legal retention obligations
• Right to withdraw consent — where data processing is based on your consent, you may withdraw it at any time without affecting the lawfulness of prior processing
• Right to opt-out of communications — you may opt out of any follow-up emails or calls at any time by informing us directly

To exercise any of these rights, please contact us at loandeskofc@gmail.com. We will respond to your request within 30 days.

Data Retention

We retain your personal information only for as long as it is necessary to fulfil the purposes outlined in this policy or as required by applicable law.

• Contact form enquiries are retained for up to 2 years to provide continuity of service
• Active client consultation records are retained for the duration of the advisory engagement and up to 5 years thereafter, in compliance with financial services record-keeping norms in India
• Calculator data entered on our website is processed in-browser and is not stored on our servers
• After the applicable retention period, data is securely deleted or anonymised

Third-Party Links

Our website may contain links to external websites — including bank portals, government resources, or property platforms — that are not operated by us. We have no control over the content or privacy practices of these third-party websites and are not responsible for their policies.

We encourage you to review the privacy policy of any external website you visit before submitting personal information on those platforms.

Children's Privacy

Our services are intended solely for individuals who are 18 years of age or older. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a person under 18, please contact us immediately at loandeskofc@gmail.com and we will take prompt steps to delete such data.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or the services we offer. When we do, we will revise the "Last Updated" date at the top of this page.

We encourage you to review this policy occasionally. Continued use of our website or services after any changes constitute your acceptance of the revised policy. If the changes are material, we will make reasonable efforts to notify you via email or a prominent notice on our website.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the way we handle your personal data, please contact us through any of the following channels: