Manahjagruti Pvt. Ltd. (“Data Processor”) is committed to protecting your privacy and ensuring the security of your personal information. This privacy policy explains how we collect, use, store, and safeguard your data.
Manahjagruti Pvt. Ltd. may update this policy from time to time. Please check this page periodically to ensure you are satisfied with any changes. This policy is effective from [Add Date].
How We Use Information We Hold About You
This policy applies to information we hold about you.
In this policy, ‘we’, ‘us’, and ‘our’ mean Manahjagruti Pvt. Ltd., CIN — [Your CIN], Registered Office Address — [Your Address].
This policy applies to information collected from current and potential customers, clients, and suppliers.
We collect, use, and store personal and financial information solely to provide loan recovery, collection, customer support, AI calling, and legal support services.
All customer data is securely handled and purged after completion of the operational cycle, unless legally required to retain it.
We Ensure:
Data Security – Strict measures to prevent data breaches and maintain confidentiality.
IT Security – Secure systems, monitored tools, and protected client applications.
Workforce Compliance – Background verification and trained staff for sensitive data handling.
Customer Management – Adherence to client guidelines and regulatory standards.
Escalation Handling – Dedicated grievance team to address escalations.
What Information Do We Collect?
We may collect and store the following information:
Your Name
Contact details (Address, Phone number, Email ID)
Call recordings (for training, monitoring & dispute resolution)
Account details shared by our clients
Payment and transaction details related to outstanding dues
We may also collect publicly available information (e.g., Google search) if we are unable to reach you using available contact details.
We require this information for:
Internal record-keeping
Improving our customer service
Facilitating communication and supporting recovery processes
Where Do We Get Your Information From?
Information You Provide
Via telephone, WhatsApp, SMS, email, or web forms
Through our website or digital tools
When communicating with our support team
Information We Collect
Call recordings
Publicly available data
News / media reports
Skip tracing sources (where legally permitted)
Information Shared by Our Clients
Clients may provide:
Your basic details
Contact information
Date of Birth
Outstanding balance
Loan or credit-related details
Information from Third Parties
Credit bureaus (CIBIL, Experian, Equifax, Highmark)
Authorized debt management companies
Law firms representing us in legal recovery cases
Why Do We Need Your Information?
We require your information to carry out legitimate recovery activities on behalf of our clients, including:
Verifying your identity
Locating/contacting you
Managing your account
Creating repayment plans
Processing payments
Taking legal action (via authorized advocates)
Complying with regulatory requirements
How Long Will We Keep Your Information?
We retain personal information only as long as needed for operational or legal purposes.
Typically, information is retained for up to 7 years, or as required by applicable laws, to:
Respond to complaints or queries
Provide information to clients when requested
Meet financial and compliance obligations
All data is securely purged after the required retention period.
Security Measures
We follow strict physical, electronic, and managerial procedures to prevent unauthorized access, misuse, or disclosure of your information.
How to Get a Copy of Your Information?
You may request details of the personal information we hold about you by contacting:
Manahjagruti Pvt. Ltd.
[Add Office Address]
Email: [Add Email]
How to Make a Complaint?
If you have concerns regarding your data or its use, you may email us.
We will respond within 7 working days.
Links to Other Websites
Our website may link to third-party websites.
We are not responsible for the privacy practices of external sites. Please review their privacy policies separately.
Controlling Your Personal Information
We do not sell, distribute, or lease your personal information to third parties unless required by law or with your explicit permission.
If you believe any information we hold is incorrect, please contact us. We will correct it promptly.