Privacy Policy

You agree that you have read, understand, and agree to be bound by the terms of unokard's "Privacy Policy," which is available at which you have correctly read and comprehended. You acknowledge, agree, and grant unokard your permission to use, store, process, disclose, transfer, exchange, and/or store your information (including personal data), in accordance with unokard's "Privacy Policy," as well as the officers, employees, service providers, and agents acting on their behalf.

You hereby give unokard permission to occasionally reveal any information about you to any of its subsidiaries or affiliates, as well as to any governmental, statutory, or judicial body, credit bureau, affiliated partner, lender, or third party, whether based in India or another country.

You are in charge of keeping your login, password, and account information private. You are accountable for all usage of the website, both on your end and for anybody else using your password and login details (with or without your permission). You will not use the website to submit any false applications; rather, you will only use it to look for and apply for loans. You agree to the use of your information as described in unokard's privacy policy, which is available on its website, by registering with the company.


At any time, you may contact Unokard to change, correct, or request deletion of any Personal Information that has been provided to us. When contacting us, please include enough detail for us to locate your information. We may ask to see documentation verifying your identity before responding to your request, but this information will be deleted promptly following verification. Unokard will not charge you more or provide you with a different level of service if you make any such request. However, please keep in mind that the deletion of your Personal Information may restrict Unokard’s ability to provide Services to you.


Any dispute over privacy or the terms contained in this Privacy Policy will, to the extent permitted by law, be governed by the laws of the State of Delaware, without regard to principles of conflicts of law and will be handled in accordance with provisions in our Terms of Service, located at, which are hereby incorporated by Government of India.


In certain scenarios, we will process personal data from you only after you have provided specific consent for that specific purpose. In case of Minor Users we will not allow access to any services unless parent or guardian consent is first obtained permitting access to Services and confirming the applicability of this Policy. Parents and guardians are encouraged to maintain oversight of their Minor Users’ accounts and also to regulate their use of any Services. We will, based on the nature of Service, make best efforts to provide tools for supervision and review to parents and guardians. The primary responsibility for ensuring and maintaining the Minor Users’ Privacy shall however be that of the parent or guardian. In all cases, by accessing any of our Channels, you expressly consent and confirm to the Company collecting, maintaining, using, processing and disclosing your Personal Information and other information in accordance with this Privacy Policy and the applicable Terms of Use. If you do not agree with this Privacy Policy or the Terms of Use at any time, please do not use any of the Services or give us any private information.

What INFORMATION WE COLLECT FROM YOU, AND HOW DO WE USE IT? Personal Information For the purpose of providing you Services, we require you to get yourself enrolled on our Channel and get yourself registered either directly or through a Client or Channel Partner of the Company. In this process of registration and/or use of the Services, we would collect the information under the following categories, which would constitute Personal Information: 1. To use the Channel and/or avail the Services, you are required to share your name, e-mail address, gender, date of birth, postal address, phone number, profile picture, family details, and other details shared via application form or questionnaires or via email or via any other specified medium. 2. We may also collect other specific information to render the Services such as bank account or payment instrument details, transaction details, bank and/or wallet and or PPI statements, KYC documents, personal details, family details and other information via online or application forms or via email or via any other specified medium . 3. Information exchanged by you with the Company in the form of undertaking transactions, written communication, responses to emails, surveys, feedback required from you, participation in discussions, etc. will also be available for the use of Unokard. Please note that the Company DOES NOT trade or sell your Personal Information in any manner. Any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or Personal Information for the purposes of this Privacy Policy. Non-Personal Information This information includes the IP address of the device used to connect to the Company's Channel along with other information such as browser details, operating system used, the name of the website or application that redirected the visitor to the Unokard's Channel, etc. Further, when you browse our Channel or receive one of our emails, Unokard our affiliated/ authorised entities, use cookies and/or pixel tags to collect information and store your online preferences. Aggregate information of you and other users collectively or in summary on an anonymised basis shall also be non-personal information. Other Information We may from time to time add or enhance the Services available on our Channels. To the extent these Services are provided to and used by you, we will use the information you provide to facilitate the Services. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question. We may also store and publish such information to assist us in making the Channel better and easier to use.


Unokard reserves the right to modify the Privacy Policy at any time by posting an updated version of the Privacy Policy on the Website, and changes will be effective as of the date posted. You are advised to check the Privacy Policy from time to time for any updates or changes that may affect you.


Please contact to change, correct, or request deletion of any Personal Information that we have collected from you, to exercise any of the rights relating to your information set out above, or if you have any questions regarding data protection. Last updated June 23, 2021.


Like most website operators, we automatically collect Non-Personal Information of the kind that web browsers and servers typically make available each time you use the Website. This information includes the type of internet browser, operating system, and language preference used by the visitor, as well as the referring site, and the date and time of each visitor request. Unokard’s purpose in collecting this type of information is to better understand how visitors use the Website so that it may improve the user experience. From time to time, we may disclose to others or publish Non-Personal Information in the aggregate, such as by compiling statistics and publishing a report on trends in the usage of the Website. We may also use Google Analytics or another third-party service to measure traffic and analyze the activities of visitors to the Website.

On the Website, we use cookies, which are small digital signature files stored by your web browser on your computer that record your preferences when you visit the Website. This information is then provided to the Website each time you return. These cookies help us to facilitate your current user session and understand your use of the Website. Through our use of cookies, we may collect your Personal Information to the extent that it allows us to identify you and track your visits to the Website. You may be able to block cookies with your browser settings, however, doing this may interfere with your ability to access certain features of the Website. Unokard does not support “Do Not Track” requests.

Certain visitors to the Website may choose to interact with Unokard in ways that require us to gather Personal Information, for example, by creating a Unokard account, purchasing a subscription for certain Services, or contacting us via email or direct message with an inquiry. The amount and type of information that we gather on these occasions depends on the nature of the interaction. In each case, Unokard collects Personal Information only to the extent that it is necessary or appropriate to fulfill the purpose of the visitor’s interaction. Visitors to the Website can always refuse to provide Personal Information that is requested of them, although it may prevent them from engaging in certain activities on the Website or receiving the full range of Services. You may also opt out of receiving communications from us and/or request the deletion of your Personal Information at any time by contacting us.


The Website may contain links that allow you to navigate to other websites. Once you leave the Website and navigate to another website, you will be subject to the terms of service for that website, as well as its privacy policy. You should carefully review the terms and policies of those websites prior to using them. We are not responsible for the content, security, or privacy practices used by other websites, and a link on the Website does not constitute our endorsement of another website or another party’s service.


When you make inquiries, give feedback, or exchange correspondence with us, whether via telephone, email, direct message, internet, or in person, we may collect Personal Information, including your name, contact information, and the contents of your communications, to identify your account (if applicable) and to assist us in responding to you.


When you make purchases through the Services, we process your payments via a third-party payment processor (the “Payment Processor”). The Payment Processor will collect certain Personal Information from you to process a payment on our behalf, including your name, credit card information, or ACH information, in which case the use and storage of such Personal Information is governed by the Payment Processor’s terms and policies. We retain only limited information about your payment transactions.


If you interact with our Social Media Accounts, we may collect Personal Information that you provide in your social media account and the contents of that interaction, depending on the settings on your account with those services. Also, the companies that host the Social Media Accounts may collect and provide us with aggregate Non-Personal Information and analytics regarding the activity on our Social Media Accounts.


Unokard takes all measures that it believes are appropriate and reasonably necessary to protect against the unauthorized access, use, alteration, and destruction of Personal Information. However, please be aware that no internet or email transmission is fully secure, and you should consider this when providing any Personal Information to us by these means. Furthermore, information you provide to us through the Services (not including payment information) may be transferred unencrypted and may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices. By using the Services, you are assuming the risk that any privacy settings or security measures implemented by us on the Services may be circumvented, and you agree that Unokard is not responsible for any resulting loss, damage, or disclosure that may occur if this happens.


End Users may need to provide Personal Information in order to access and use those Services. Unokard only uses Personal Information collected from End Users to the extent necessary to verify their identities and to provide access to the Services being sought by the End User. Unokard reserves the right to remove Personal Information from the data provided by End Users and to use such anonymized data to improve the Services. Furthermore, Unokard may retain such anonymized data and continue to use it for this purpose after the End User has discontinued use of the Services.


No Sale of Personal Information. Unokard will not sell to anyone the Personal Information that it collects through the Services.

Employees, Service Providers, and Business Partners. We disclose Personal Information only to those of our employees, contractors, service providers, and business partners that (i) need to know such Personal Information in order to process it on our behalf or to provide Services and (ii) have agreed not to disclose such Personal Information to others. By using the Services, you consent to the transfer of such Personal Information to these parties and for these purposes. Some of the employees, contractors, service providers, and business partners to which we disclose Personal Information may be located outside of your home country, and your use of the Services constitutes an acknowledgment and understanding that your Personal Information will be transferred to the locations of those entities or individuals under those circumstances. Compliance with Laws and Governmental Requests. In addition, we may disclose Personal Information in response to a subpoena, court order, or other request of a governmental entity of the United States; to prevent or investigate potential fraud, illegal activity, or suspected violations of our agreements and policies ( including our Terms of Service); or when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of Unokard, third parties, or the public at large. If a non-United States authority approaches Unokard with an order or request that involves the disclosure of Personal Information, our default position is to refuse unless the order or request has been approved by the Indian and procedures for the disclosure of such Personal Information have been outlined in an established mutual legal assistance treaty or agreement mechanism between the United States and the country from which such order or request originated.

Unokard Affiliates. For management purposes, Unokard may also share Personal Information with Unokard Affiliates. If we share Personal Information with any Unokard Affiliate, their use of that information is also governed by the Privacy Policy.

Business Transfers. In the event that Unokard enters into a Business Transfer, the Personal Information collected by Unokard would be among the assets that may be transferred to a third party. By using the Services, you acknowledge that such transfer of your Personal Information may occur in a Business Transfer and you agree that an entity that acquires Personal Information in a Business Transfer may continue to use your Personal Information as described in the Privacy Policy.

For Deactivating Self You can connect on this URL Deactivate Self


Unokard does not knowingly collect Personal Information from children under the age of 13. If you have reason to believe that a child under the age of 13 has provided Personal Information to us through our Services, please contact us immediately. If we become aware of any such Personal Information, we will delete that information from our databases.