LEGAL

1. Introduction

Banking2Day ("Banking2Day", "we", "us", "our") operates the website banking2day.com (the "Site"), an independent information and comparison platform for banking and financial products. This Privacy Policy explains what personal information we collect, why we collect it, how we use and protect it, and the choices and rights available to you. It applies to everyone who visits or uses the Site.

By using the Site, you agree to the collection and use of information in accordance with this Policy. If you do not agree, please do not use the Site. We process personal data in line with India's Digital Personal Data Protection Act, 2023 ("DPDPA") and other applicable data protection law.

2. Information we collect

We aim to collect no more than we need. Depending on how you use the Site, this may include:

• Contact and enquiry details — name, email address and mobile number when you submit a loan-eligibility check, contact form, credit-score check or newsletter subscription.
• Financial inputs you choose to enter — figures you type into our calculators (for example loan amount, tenure or income band) so we can show you an estimate. These are used to compute the result shown to you and are not required to be accurate or complete.
• Employment/profile details — where a specific tool asks for it (for example, employment type on the loan-eligibility form), to route you to a relevant comparison.
• Usage and device information — pages visited, links clicked, referring page, approximate location (from IP), browser type and device information, collected automatically via cookies and similar technologies.
• Communications — records of correspondence if you contact us, including for support or a grievance.

You can browse the Site and use most calculators without submitting any personal information. We do not knowingly collect government ID numbers (such as Aadhaar or PAN), bank account numbers or card details — never enter these into our forms; a genuine lender will collect that information directly and securely on their own platform.

3. How we use your information

• To respond to your enquiry and, where you ask us to, connect you with a relevant regulated provider.
• To calculate and display the estimates our calculators produce.
• To send the newsletter or updates you've opted in to — you can unsubscribe at any time using the link in any email or by contacting us.
• To operate, secure, troubleshoot and improve the Site and our tools.
• To understand aggregate usage patterns (for example, which calculators are most used) so we can prioritise improvements.
• To detect, investigate and prevent fraud, abuse, security incidents or violations of our Terms & Conditions.
• To comply with applicable legal, tax or regulatory obligations, and to respond to lawful requests from authorities.

We do not use your information to make automated decisions that produce legal or similarly significant effects about you. Calculator outputs are illustrative estimates, not decisions, offers or approvals.

4. How we share information

We do not sell your personal information. We may share it only in the following circumstances:

• With a regulated provider — only when you actively choose to proceed with an enquiry (for example, "Apply now" or "Check eligibility"), we share the details you entered with the specific bank, NBFC or provider you selected, so they can follow up with you directly. That provider then processes your data under their own privacy policy.
• With service providers — companies that host our infrastructure, send emails, or provide analytics on our behalf, bound by confidentiality and data-processing obligations, and only to the extent needed to provide their service.
• For legal reasons — where required by law, regulation, court order, or to protect the rights, property or safety of Banking2Day, our users or the public.
• Business transfers — if Banking2Day is involved in a merger, acquisition or asset sale, personal information may be transferred as part of that transaction, subject to this Policy continuing to apply.

Where a provider relationship involves a referral fee to us, this is disclosed near the relevant comparison — see How We Earn Money. Sharing your enquiry with a provider is always something you actively choose to do — we don't share it as a default of browsing the Site.

5. Cookies & similar technologies

We use cookies and similar technologies for three purposes:

• Essential — required for the Site to function (for example, remembering that you've completed a form step).
• Preferences — remembering choices such as a calculator's last-used values, stored locally in your browser.
• Analytics — understanding aggregate usage so we can improve the Site. Where we use third-party analytics tools, they may set their own cookies subject to their own privacy policies.

You can control or delete cookies at any time through your browser settings. Disabling cookies may affect how parts of the Site function, such as a calculator remembering your inputs.

6. Data security & retention

We use reasonable technical and organisational measures — including encrypted transport (HTTPS), access controls and regular review of our systems — to protect personal information against unauthorised access, alteration, disclosure or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We retain personal information only for as long as necessary for the purposes described in this Policy — typically, enquiry and contact records for up to 24 months from your last interaction, or longer where needed to comply with a legal, tax or regulatory obligation, resolve a dispute, or enforce our agreements. You can ask us to delete your information sooner; see Section 8.

7. Your rights

Subject to applicable law, including the DPDPA where it applies to you, you have the right to:

• Access a copy of the personal information we hold about you.
• Correct inaccurate or incomplete information.
• Request erasure of your personal information, subject to any legal retention requirements.
• Withdraw consent at any time where we rely on consent (for example, unsubscribing from the newsletter) — this does not affect processing carried out before withdrawal.
• Nominate another individual to exercise these rights on your behalf in the event of your death or incapacity, in accordance with the DPDPA.
• Lodge a complaint with our Grievance Officer (Section 9) and, if unresolved, with the applicable data protection authority.

To exercise any of these rights, contact us using the details in Section 10. We will respond within a reasonable time and in line with applicable law.

8. Children's privacy

The Site is intended for users aged 18 and above and is not directed at children. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal information, contact us and we will take steps to delete it.

9. Grievance Officer

In accordance with applicable Indian law, we have designated a Grievance Officer to address questions or complaints about this Policy or our handling of your personal information:

Grievance Officer
Banking2Day
Bandra Kurla Complex, Mumbai 400051, India
Email: grievance@banking2day.com

We aim to acknowledge complaints within 48 hours and resolve them within 30 days. See also our Grievance Redressal page for our full escalation process.

10. Changes to this Policy & contact us

We may update this Policy from time to time to reflect changes in our practices or legal requirements. The "last updated" date above reflects the latest version; material changes will be highlighted on the Site. Continued use of the Site after a change means you accept the updated Policy.

Questions about this Policy or your data? Email privacy@banking2day.com or write to Banking2Day, Bandra Kurla Complex, Mumbai 400051, India.