Privacy Policy

TAPSTART may collect, store and use information about you when you: (a) visit, use, view, and/or otherwise utilize this Site including filling out any form and subscribing to any newsletter; and/or (b) fill any loan application form, whether online or otherwise, when you apply for a loan from Tapstart. Please note that this loan application form may be provided directly by TAPSTART or through any third party sourcing partner; and/or (c) through any other modes and includes the information that you submit directly or indirectly to us for availing the Services.

In the course of using this Site or availing the Services, TAPSTART collects various information including your name, address, email address, phone number, date of birth, occupation and job position, financial information (such as income, income sources, assets, details of debit cards, credit cards, bank account details etc.), medical records, biometric information, documents that you provide to us to verify your identity or in terms of KYC requirements (such as copies of your Aadhaar card, PAN card, passport, utility bills, and/or bank statement). Also, TAPSTART may from time to time undertake your credit evaluation including taking out your CIBIL Score, statement of accounts etc.

• IP address;
• Information about your web browser software and version;
• General geographic location indicated by your IP address; and/or
• Website that referred you to us, and similar information.

• Frequency of visits to our Site;
• Average length of visits; and/or
• Pages viewed during a visit.

We may use various technologies to collect information about your activities on our Site, including Cookies and beacons. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser that enables the sites or service providers’ systems to recognize your browser and capture and remember certain information. By accessing and using the Site, you consent to the storage of cookies, other local storage technologies, beacons and other information on your devices.

TAPSTART may use the personal information that is collected from you to provide various Services and for our internal business purposes, including, but not limited to:

• Responding to your requests for our products and Services;
• Grant of credit facility and to ensure due repayment of the same;
• To undertake your credit valuation from time to time to ensure due payment of any loan facility granted to you;
• Responding to your requests for information;
• Maintaining and managing your account with us;
• To personalize your experience (your information helps us to better respond to your individual needs);
• To improve our Site (we continually strive to improve our Site offerings based on the information and feedback we receive from you);
• To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs);
• To process transactions and to provide you with transaction and post transaction-related services;
• To administer a contest, promotion, survey or other site feature;
• For advertising, such as providing customised and personalised advertisements, sponsored content and sending you promotional or marketing communications;
• To send periodic emails;
• The email address and phone number you provide may be used to send you information, respond to inquiries, and/or to intimate through phone, e-mail etc. the due date of payments or breach of any contract; and/or
• Otherwise with your consent.

By availing any Service, using the Site and/or providing TAPSTART with your information, you consent to the storing of information by TAPSTART and the third parties as mentioned herein. You also consent to collection, transfer, storage and processing of your information outside of India by TAPSTART or any third party.

TAPSTART may share your information with:

We may disclose your information to companies that provide services for or on behalf of TAPSTART. By using the Site and our Services you authorize us to exchange, share, part with all information related to your details and transaction history to such service providers / credit bureaus / agencies and/or for participation in any telecommunication or electronic clearing network as may be required by applicable law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management.

We may share your information with business partners. These entities may use your information to provide you with Services you request, make predictions about your interests and may provide you with promotional materials, advertisements and other materials.

TAPSTART may share collected personal information with group companies / subsidiaries / affiliates whose products and services we believe you may find of interest. If you would prefer that we not share your personal information with any third parties for the third parties’ marketing purposes, you can notify us of your preference by contacting us as described in the “Contact Us” section.

There may be instances when we disclose your information to other parties (including government/regulatory bodies or agencies):

• To comply with the law or respond to compulsory legal process (such as a search warrant or other court order) or when we believe release is appropriate to comply with applicable law, enforceable governmental request or to enforce our Site policies;
• For the purposes of verification of identity or for prevention, detection, investigation including cyber incidents, prosecution and punishment of offences;
• To verify or enforce compliance with the policies governing the Services;
• To protect the rights, property, or safety of TAPSTART, or any of TAPSTART’s respective affiliates, business partners, or customers or employees;
• For enforcement of any rights of TAPSTART / service provider under any contract / agreement executed by you; and
• To investigate, prevent, or take other action regarding illegal activity, suspected fraud, or other wrongdoing.

Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

TAPSTART may share personal information in connection with a substantial corporate transaction, such as mergers, acquisition, the sale of its business, a divestiture, consolidation, or asset sale, or in the unlikely event of bankruptcy.

For our Site users’ convenience, TAPSTART may provide links or otherwise refer you to third parties, such as operators of internet services linked to from our Site. Personal information collected by these third parties is not covered by this Privacy Policy and TAPSTART shall not be liable for such information being provided by you or collected by such third parties.

We will retain your information for as long as your account is active or as needed to provide you Services and till it is required to be retained to comply with our legal obligations, resolve disputes, and enforce our agreements.

If the information provided by you has changed then you may update it by contacting us at hello@tapstart.in. You are also entitled to review the information provided and ensure that any personal information or sensitive personal data or information found to be inaccurate or deficient be corrected or amended as feasible. However, TAPSTART shall not be responsible for the authenticity of the personal information or sensitive personal data or information supplied by you.

Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

TAPSTART shall use commercially reasonable security measures (including physical, electronic and procedural measures) to safeguard personal information against loss, misuse, damage or modification and unauthorized access or disclosure.

However, no system for transmitting or storing information electronically can be completely secure. Therefore, we cannot guarantee that personal information or other communications will always remain secure.

We do not knowingly collect personal information from minor children. If we learn that we have collected personal information from a child who is in the minor category, we will delete that information from our database unless we have authorisation from the guardian of such minor.

By availing of our Services, you consent to this Privacy Policy. You hereby expressly and irrevocably authorize TAPSTART / its partners / affiliates to collect, store, share, obtain and authenticate any aspect of your personal information / KYC either directly or through any of the authorized agencies and disclose such information to our agents / contractors / service providers and to also use such information in the manner that may be required by TAPSTART / its partners / affiliates including for the purposes of grant of credit facility and for purposes of its business and for such time period as we may deem fit.

In this regard, you expressly and irrevocably authorize TAPSTART / its partners / affiliates to collect, use, verify and authenticate your personal identity information / KYC in any manner without any notice to you.

This Privacy Policy provides a general statement of the ways in which TAPSTART aims to protect your information. TAPSTART may, however, in connection with specific products or Services offered by it, amend statements to this Privacy Policy or supplement this policy with another.

We may also occasionally update this Privacy Policy to reflect changes in our practices concerning the collection and use of your information. We reserve the right to change or update this Privacy Policy and you are suggested to regularly review the Privacy Policy before accessing the Site or otherwise furnishing data to TAPSTART or availing our Services.

Pursuant to applicable data protection laws, Tapstart endeavors to protect sensitive personal and personal information and data of the user against accidental or unlawful destruction or loss, alteration, unauthorized disclosure or access. These precautions shall include technical, physical and organizational security measures as defined in our Information Security policy.

You further understand and agree that repayment of a loan / financial facility does not automatically rescind the consents you have provided to us under the Privacy Policy nor does deletion of your account with the Platform.

We shall store your information and/or data for such period as may be required by Tapstart to: (i) enforce its legal rights and obligations against you; (ii) to ensure compliance with its obligations and responsibilities under applicable laws in the capacity of a lender regulated by the Reserve Bank of India. Once your Information and/or data is no longer required, it will be disposed of securely.

We store and process your personal information on cloud servers. Some of the safeguards we use are firewalls and bit data encryption, and information access authorization controls. Information you provide to us may be stored on our secure servers located within India.

We shall take all appropriate action to comply with data security and protection obligations including without limitation, the adoption of appropriate technical and organisational methods to ensure that computer and information systems are safeguarded against accidental destruction, loss, technical malfunction, falsification, theft, unlawful use, unauthorised modification, copying or improper access or any other unauthorised activity.

You agree and acknowledge that your personal data will continue to be stored and retained by us as required or permitted by applicable laws or regulatory requirements, or as required for defending future legal claims. All the other details will be deleted or render the data into anonymised data upon the request of the customer for the deletion of the data, provided there is no active loan or service being availed by you.

Tapstart maintains a comprehensive incident response plan in compliance with the Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Directions, 2025. In the unlikely event of a security incident affecting user data, we take immediate action to contain the issue, assess the impact, and notify the Regulators, Partners, and affected users as required under applicable laws.

Neither TAPSTART and its affiliates, nor their directors, shareholders, managers, officers, employees, representatives and/or agents shall be liable to you or anyone else for any loss, damage, penalty, expense or any liability arising out of any access to or use of this Site / Services or any site linked to it.

This Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of India and subject to the provisions of arbitration set out herein, the courts at Bangalore shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with this Privacy Policy.

If any dispute arises between you and Tapstart in connection with or arising out of the validity, interpretation, implementation or alleged breach of any provision of this Privacy Policy, such dispute shall be referred to and finally resolved by arbitration in accordance with the Indian Arbitration and Conciliation Act, 1996. There shall be 1 (one) arbitrator and the seat of the arbitration shall be Bangalore, India. The language of the arbitration proceedings shall be English.

In case of any grievance / review of information you may contact the grievance officer Mr. Shaurya Rana on the coordinates provided below: