Privacy Policy

Last Updated: May 20, 2026

Welcome to Sankalp Capital Private Limited (“Company”, “we”, “our”, or “us”).
Your privacy is important to us. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you access or use our website and digital lending services through UpCash.

By using our website, mobile platform, or services, you agree to the practices described in this Privacy Policy.

2. How We Use Your Information

We use your information to:

Process loan applications
Verify identity and perform KYC checks
Assess eligibility and creditworthiness
Detect fraud and ensure platform security
Communicate loan updates and customer support
Improve our products, services, and user experience
Comply with legal and regulatory obligations
Send important notifications, offers, or promotional communications

3. Consent & Data Access

By applying for a loan or using our services, you provide consent for us to:

Access and verify your information
Obtain credit reports from authorized credit bureaus
Validate bank account and financial information
Contact you via SMS, phone call, WhatsApp, or email regarding your application and services

You may withdraw consent at any time, subject to applicable laws and ongoing contractual obligations.

4. Sharing of Information

We may share your information with:

RBI-registered NBFCs and lending partners
Credit bureaus and verification agencies
Banking and payment partners
Technology and service providers
Government or regulatory authorities when legally required

We do not sell your personal data to third parties.

5. Data Security

We use industry-standard security measures to protect your personal information, including:

Secure encrypted connections (SSL)
Restricted data access
Secure cloud infrastructure
Regular security monitoring and audits

While we take reasonable precautions, no digital platform can guarantee complete security of data transmitted online.

6. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to:

Improve website functionality
Remember user preferences
Analyze website traffic
Enhance user experience

Users may disable cookies through browser settings; however, some features of the website may not function properly.

7. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or policies of such external websites.

8. Data Retention

We retain user information for as long as necessary to:

Provide services
Fulfill legal obligations
Resolve disputes
Prevent fraud and misuse

After the required retention period, data may be securely deleted or anonymized.