Privacy policy

Scope

This policy applies to information collected through our website, the mobile application, and customer support channels. Capitalized terms used in the app or loan agreements may have specific definitions there.

Information we collect

• Identity & contact: Name, phone number, email, address details you provide.
• Credit & risk: Information needed for underwriting and fraud prevention, which may include identifiers, device data, and bureau or partner data where permitted by law.
• Transaction & usage: Drawdowns, repayments, balances, and app interactions required to operate the product.
• Support & communications: Messages you send to us and records needed to resolve requests.

How we use information

• To evaluate eligibility, set and manage your credit line, and service withdrawals and repayments.
• To detect, prevent, and investigate fraud, abuse, or security incidents.
• To comply with legal, regulatory, and audit obligations applicable in India.
• To improve product performance, analytics, and customer experience where consistent with law and your choices.

Cookies and similar technologies

We use essential cookies to operate the site (for example, remembering cookie preferences). With your consent where required, we may use analytics or preference cookies to understand traffic and improve content.

You can change your mind anytime using the cookie controls on this site or by clearing storage in your browser. See also our cookie banner when it appears on first visit.

Sharing and processors

We may share information with payment networks, cloud hosting providers, analytics vendors, and professional advisers who process data on our instructions. We may disclose information when required by law or to protect rights and safety.

Retention

We keep information as long as needed to provide the service, meet legal retention rules (including credit and tax laws), and resolve disputes. Some logs may be held in secured backups for a limited period.

Your rights

Depending on applicable law, you may have rights to access, correct, or delete certain personal data, withdraw consent where processing is consent-based, or lodge a complaint with a supervisory authority. To exercise rights, email client@altsurtech.com.

Cross-border transfers

Where we use service providers outside India, we implement safeguards consistent with applicable requirements, such as contractual clauses and security measures.

Children

OpenLimit is not directed to minors. We do not knowingly collect personal data from children below the age required to enter a valid contract for credit in India.

Updates

We may update this policy to reflect product, legal, or regulatory changes. Material changes will be communicated as required by law or through the app.

Contact

OpenLimit · PL.NO.30, S.NO.79/1A SONCBOLHEGAON AHMEDNAGAR, Ahmednagar, Maharashtra, India - 414001 · client@altsurtech.com