Privacy Policy

Introduction

Welcome to ValuEnable. ValuEnable Private Limited ("us", "we", or "our") operates www.valuenable.in — a platform providing solutions to address customer retention issues faced by life insurance companies. Our services have been designed to benefit both the insurance company and policyholders alike.This Privacy Policy governs your visit to www.valuenable.in and explains how we collect, safeguard, and disclose information that results from your use of our Service.By using our Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined here, terms carry the same meanings as in our Terms and Conditions. Our Terms and Conditions ("Terms") govern all use of our Service and together with this Privacy Policy constitute your agreement with us.

Definitions

Aadhaar Regulations
‍Includes the Aadhaar (Targeted Delivery of Financial and other subsidies, Benefits and Services) Act 2016, Aadhaar (Amendment) Act 2019, Aadhaar (Authentication) Regulations 2016, Aadhaar (Data Security) Regulations 2016, and other applicable regulations issued by UIDAI from time to time.

Consent
Freely given, specific, and informed indication of the data subject's wishes by which they signify agreement to the processing of their personal data.

Data Controller
The person responsible for complying with data privacy requirements who has full authority to decide how and why personal data is processed.

Data Subject
A natural person who is the subject of data.

Insurance Data
Data related to life insurance policies issued by various insurance companies, including data of customers who hold insurance policies.

Personal Data or Information
Information relating to a natural person capable of identifying such person, either directly or indirectly.

Sensitive Personal Data or Information
Includes information relating to passwords, financial details, health conditions, sexual orientation, biometric information, etc.

The User
The individual using our Service.

Cookies
Small pieces of information that a browser can record after visiting a website. We may use cookies for technical purposes such as enabling better navigation through our site or storing user preferences. Turning off cookies will affect your experience on https://loan.valuenable.in/.

Purpose

The purpose of this Policy is to enable ValuEnable to:

Implement reasonable security practices and procedures to safeguard personal data and sensitive personal data.
Comply with applicable statutory provisions, rules, and regulations regarding data privacy and protection.
Enable the data subject and third parties to understand and comply with ValuEnable's data privacy policies

Transfer / Disclosure of Data or Information

Personal data, sensitive personal data, and other customer data will not be transferred or disclosed to any third party without implementing reasonable security practices and obtaining explicit consent from the data subject.
Information may be communicated to third parties only for purposes consistent with the original collection purpose or as authorised by law.
Disclosure of information to data subjects must be transparent, providing details about the purpose of collection, usage, and security practices.
We may be required from time to time to disclose any personal information collected by us to governmental or judicial bodies, agencies, or our regulators based on legal requirements under applicable cyber laws. We may also share your information with third-party group companies to enable service provision and/or carry out technical, logistical, and other functions on our behalf (e.g. sending emails or newsletters to users). For credit facilitation services, please refer to Section 4 above.

Data Subject's Rights

Data subjects are entitled to:

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Access & Update

Access, update, or delete their personal information held by us.

Rectification

Rectify inaccurate or incomplete information in our records.

Data Removal

Request removal of their data from our systems.

Data Security

ValuEnable Pvt Ltd is committed to protecting the security and privacy of your personal information. We endeavour to have suitable technical, operational, and physical security controls and measures in place that are commensurate with the nature of our business.

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Industry-Standard Technologies

We use a variety of industry-standard security technologies and procedures to help protect your personal information from unauthorised access, use, or disclosure.

Periodic Security Reviews

We periodically review our security controls and update them to maintain alignment with current best practices.

Breach Response

In the event of any breach of our security controls resulting in unauthorised access, we will endeavour to inform you of the extent of such breach, subject to applicable law and cooperation with relevant authorities.

Liability Limitation

Despite our efforts to protect your information, if unauthorised persons breach our security control measures and illegally use sensitive/personal data, ValuEnable Pvt Ltd, its affiliates, employees, and directors shall not be held responsible/liable.

Breach Notification

In the event of a data breach, ValuEnable will notify the affected data subjects and relevant authorities promptly, outlining the nature of the breach and the steps taken to mitigate its impact.

Data Minimization

We will collect only the data necessary for the specified purposes and ensure it is used solely for those purposes.

Data Retention & Deletion

It may be noted that we may retain your data for as long as required under applicable law and as necessary to efficiently provide our services. All information provided by you, except in cases of withdrawal of consent or termination, shall be retained for a duration of eight (8) years. We will act upon any deletion request received from you within a reasonable period, and in any case, no later than thirty (30) days from receipt of such a request.

We may retain certain data after account deletion for specific purposes, including but not limited to:

If there is an unresolved issue, claim, or dispute relating to your account.
Where retention is required under applicable law.
In aggregated and/or anonymized form.
Where necessary for legitimate business interests, such as fraud prevention, enhancing user safety, and ensuring security.

⚠️

If a user initiates a loan application but does not complete the process within thirty (30) days, all information related to that application will be deleted from our platform. For any data or consent (full or partial) that you wish to delete or revoke, you may send an email to support@valuenable.in as per our product offerings, stating the details of the data and/or consent and the scope/nature of the deletion or revocation desired. Please note that withdrawing consent or requesting deletion of certain data may result in your inability to use our services on the platform.

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Data Destruction Practices

We apply industry-standard sanitization practices (aligned with authoritative media-sanitization guidelines) and maintain documentation of our processes for compliance and audit readiness. Structured data (such as SQL table rows) is securely erased at the record level using irreversible methods. Any residual data in logs or replicated storage is minimized and retained only for the period required under law or internal policy.

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Amendments to Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Third-Party Service Providers

Below is the list of third-party service providers with which the Company shares customer data in order to provide the Service(s).

Name	Link	Data Shared	Purpose
Digilocker Solutions Private Limited	https://www.digio.in/	Email Id, Phone No.	KYC