Privacy Policy
At Ultimate Lend, we prioritize your privacy and ensure transparency in how we collect, use, and safeguard your personal information. This Privacy Policy explains the data we collect, why we collect it, and how we use it to enhance your experience while complying with legal and regulatory requirements.
Your Consent
By downloading, installing, or using Ultimate Lend, you agree to the collection and use of your data as described in this policy. If you do not consent, we recommend refraining from using the application.
Information We Collect
Personal Information
We collect personal details such as your full name, date of birth, phone number, email address, residential address, occupation, and income details. This information helps assess eligibility and prevent fraud. Data is securely uploaded to https://api.ultimatelend.net/ and deleted once the evaluation is complete.
SMS Information
To offer you personalized loan options, we access certain financial text messages on your device—such as salary credits, payment alerts, and overdue notices—strictly limited to those received within the past 6 months. This data helps us understand your financial behavior, recommend suitable loan products, and assess your credit capacity. For example, salary and transaction messages help us gauge your income patterns, while late payment alerts assist in evaluating credit risk.
All information is securely encrypted and transmitted only to https://api.ultimatelend.net/ for credit assessment purposes. It is permanently deleted once the evaluation is complete. Your privacy and data security are fully protected throughout the process.
Installed Applications
Details such as app names, installation and update timestamps, and package names are collected to verify device authenticity and prevent fraudulent activities. The data is securely stored and removed after evaluation.
Device Information
We collect details about your device, including model, IMEI, Google Advertising ID, operating system version, and screen resolution. This information helps improve our service and enhance security. It is securely transmitted and deleted after assessment.
Camera & Media Access
During the application process, we may request access to your camera or media files to facilitate document uploads, such as KYC verification. All uploaded data is securely transmitted to https://api.ultimatelend.net/ and deleted after verification.
Usage Behavior Data
We collect data on how you use the app—such as the screens you navigate to, the features you interact with, and the frequency of certain actions. This helps us understand user habits, identify areas for improvement, and fine-tune the app for better performance and usability. All data is securely sent to https://api.ultimatelend.net/, where it is analyzed and then promptly deleted. This information is used strictly for internal app development purposes and is never disclosed to outside parties or used for advertising.
SDKs used and data collection
When you use our app, we will use the following SDKs
Facebook SDK: This is mainly used for user statistics analysis to help us understand user usage and improve user experience. You can manage data usage through device ad settings.
Adjust SDK: Used to track and analyze user sources and conversions to help us evaluate advertising effectiveness and user acquisition strategies. You can manage data usage through device ad settings.
AWS Android: Used to safely and efficiently store and load user-uploaded images to ensure that the app can provide media services stably and quickly. You can choose whether to upload photos.
The data will be uploaded to https://api.ultimatelend.net/ and deleted after review.
Use of Information
We collect and use your personal data for the following purposes:
Account Registration & Verification – To create and authenticate your account.
Eligibility Assessment & KYC Verification – To evaluate your application and comply with regulatory requirements.
Fraud Prevention & Security – To detect suspicious activities and enhance platform security.
Customer Support & Service Improvement – To resolve issues and improve user experience.
Legal Compliance & Regulatory Requirements – To meet obligations under Indian financial laws.
If you do not consent to the collection of specific data, you may still browse the app, but some features and services may not function properly.
Data Sharing & Disclosure
We do not sell your personal data. However, we may share it with:
NBFC Partners – Such as Laxmi-Prabha Impex & Investments Pvt Ltd., to facilitate financial services and eligibility evaluation.
Regulatory Authorities – When required by law, government agencies, or court orders.
Your information is never shared with unauthorized third parties without your explicit consent.
Data Security
To protect your information, we implement:
SSL Encryption – To secure all data transfers.
Restricted Access – Only authorized personnel have access to sensitive information.
Multi-Layer Security – Advanced systems to detect and prevent breaches.
Data Deletion Protocols – Information is deleted when no longer required.
We comply with applicable Indian data privacy laws and update our security practices regularly.
External Links
Ultimate Lend may contain links to third-party websites. We advise you to review their privacy policies separately, as we do not control their practices or content.
Children’s Privacy
Ultimate Lend is intended for users aged 18 and above. We do not knowingly collect personal information from minors. If you believe a minor has submitted data to us, please contact us immediately for removal.
Your Rights & Policy Updates
By using Ultimate Lend, you agree to the collection and use of your data as described in this policy. We may update this Privacy Policy periodically. Continued use of the app constitutes acceptance of the latest version.
Contact Us
For questions or concerns regarding this Privacy Policy, please contact us:
Email: service@finfinsolut.com