Privacy Policy

1. Definitions

For the purpose of this Privacy Policy (hereinafter referred to as the "Policy"), wherever the context so requires:

• The term 'Company' shall mean Global Public Relations Services (GPRS), registered under MSME, having its registered office at Plot # 122, Pushp Vihar, Dharampur, Dehradun, Uttarakhand, Pincode – 248001, INDIA and operating the brand "Study On Loan."
• The term 'Website' shall mean www.studyonloan.com and any associated digital platforms or applications operated by the Company.
• The term 'You' or 'User' refers to any legal person or entity accessing or using the services provided on this Website, who is competent to enter into legally binding contracts under the Indian Contract Act, 1872.
• The terms 'We', 'Us', and 'Our' shall mean the Website and/or the Company, as the context may require.

2. General

• We are committed to safeguarding your privacy and ensuring that you continue to trust us with your personal data. "Personal Data" refers to any information that allows us to identify you as an individual.
• This document is an electronic record under the Information Technology Act, 2000, and does not require physical or digital signatures.
• This Policy is published in accordance with Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.
• This website is owned and operated by the Company.

3. Scope and Acceptance of this Privacy Policy

• This Policy applies to the personal data that we collect to provide you with our services, including facilitating education loans and related advisory services.
• By using this Website or submitting your information to us, you accept the practices described in this Policy. If you do not agree, please refrain from using our Website or submitting any personal data.
• We reserve the right to update this Policy from time to time without prior notice. We recommend that you review this Policy periodically.

4. Information We Collect

• Full name, contact details (phone, email, address)
• Educational background and intended course/university
• Academic transcripts and admission letters
• Income and employment details of student or co-applicant
• KYC documents (PAN, Aadhaar, passport, etc.)
• Bank statements or financial proofs required by lenders
• Device and browser information for website performance analytics

5. How We Use Your Information

• Evaluate your education loan eligibility
• Match you with suitable lending partners
• Assist with application preparation and documentation
• Coordinate with partner lenders to process your application
• Communicate with you about your application and loan status
• Improve the quality and performance of our platform

6. How We Share Your Information

We share your personal and financial data only with our verified lending partners for the purpose of processing your education loan application. We do not sell, rent, or trade your data with unauthorized third parties.

7. Data Security

We use reasonable and appropriate physical, technical, and administrative measures to protect your data from unauthorized access, use, or disclosure. However, no method of transmission over the Internet is 100% secure. You use the platform at your own risk.

8. Data Retention

We retain your data for as long as necessary to provide our services and comply with regulatory requirements. You may request deletion of your information at any time by contacting us directly.

9. Your Rights

• Access the information we hold about you
• Request correction of inaccurate or outdated data
• Request deletion of your data (subject to legal constraints)
• Withdraw your consent at any time

To exercise these rights, please email us at: info@studyonloan.com

10. Cookies & Tracking

We may use cookies and analytics tools to monitor site performance and improve user experience. You can choose to disable cookies in your browser settings.

11. Grievance Officer

In compliance with the IT Act, 2000, the contact details of the Grievance Officer are:

Grievance Officer – Study On Loan

• Email: info@studyonloan.com
• Phone: +91 9557115737

12. Applicable Laws & Dispute Resolution

Any dispute arising from this Policy shall be governed by Indian laws. Arbitration will be conducted in accordance with the Arbitration and Conciliation Act, 1996. The courts at Dehradun, Uttarakhand, India shall have exclusive jurisdiction.