Last updated: 5 July 2026

Kedaya Tech LLP ("we", "us", "our") operates LoanHisab — a loan-management platform for Indian DSA (Direct Selling Agent) agencies — available at loanhisab.com, app.loanhisab.com and the LoanHisab mobile app. We are committed to protecting your privacy and handle personal data in accordance with India's Digital Personal Data Protection Act, 2023 (DPDP Act) and other applicable laws. This policy explains what we collect, why, how we use and share it, and your rights.

Our two roles

• Your account data (agency and users): LoanHisab is the Data Fiduciary.
• Borrower/applicant data entered by our customers: the customer agency is the Data Fiduciary and LoanHisab acts as a Data Processor, handling that data only on the customer's instructions.

Information we collect

Account & agency information: agency name, business type, GSTIN/PAN, address, DSA code, and for each user their name, email, mobile number and role. Passwords are stored only as salted hashes — we never see them in plain text.

Borrower data (entered by our customers): name, contact details, address, PAN, last four digits of Aadhaar, employment and income details, loan application details, and KYC documents uploaded to process an application.

Payment information: when you subscribe to a paid plan, payments are processed by our PCI-DSS compliant payment partners (such as Razorpay and Cashfree). We receive only confirmation and limited transaction metadata (amount, status, reference). We do not store your full card number, CVV or bank credentials.

Usage & technical data: IP address, device and browser information, log data, and an audit trail of sensitive actions for security.

We do not store full Aadhaar numbers or card details.

How we use your data

• Provide, operate, secure and improve the Service;
• Authenticate users and protect accounts;
• Send transactional communications (OTP, email, WhatsApp, in-app);
• Process subscriptions, billing and invoices;
• Provide customer support;
• Comply with legal, tax and regulatory obligations; and
• Detect and prevent fraud and abuse.

We do not sell your personal data, and we do not use it for advertising.

How we share data

We share personal data only with:

• Sub-processors who help us run the Service — cloud hosting, document storage, email/SMS/WhatsApp messaging, and payment gateways (Razorpay, Cashfree) — under contractual confidentiality and data-protection obligations;
• Lenders, when a customer chooses to send an application; and
• Authorities, when required by law, court order, or to protect rights and safety.

Cookies

We use essential cookies for authentication and session management, and privacy-friendly analytics to understand usage. You can control cookies through your browser settings.

Data security

We protect data with encryption in transit (TLS) and at rest for sensitive fields and documents, hashed passwords, role-based access control, tenant isolation, and audit logging. No system is perfectly secure, but we work continuously to safeguard your information.

Data retention

We retain personal data while your account is active and for as long as needed to provide the Service, then delete or anonymise it — except where longer retention is required by law (e.g. tax and accounting records). See our Account & Data Deletion Policy.

Your rights

Subject to the DPDP Act, you may access, correct, update or erase your personal data, withdraw consent, and nominate another person to exercise your rights. To make a request, email grievance@loanhisab.com. Where borrower data is involved, please contact the relevant agency (the Data Fiduciary); we will assist them.

Children

The Service is intended for businesses and is not directed at children under 18. We do not knowingly collect data from children.

Changes to this policy

We may update this policy from time to time. Material changes will be notified in-app or by email, and the "Last updated" date above will change.

Grievance Officer & contact

In line with the DPDP Act and applicable IT Rules, our Grievance Officer is:

Ketan Makwana, Kedaya Tech LLP Email: grievance@loanhisab.com · Phone: +919725925909 Address: 33, Alfacity, Balsar, Taluka: Lodhika, District: Rajkot - 360021

General support: support@loanhisab.com. We aim to acknowledge grievances within 48 hours and resolve them within 30 days.