Privacy Policy
Last Updated: 08.09.2025
Tradecraft Overseas (“Tradecraft”, “we”, “us”, or “our”) operates WiseLoan, a digital platform facilitating financial products offered by RBI-regulated banks and NBFCs.
WiseLoan acts solely as a Lending Service Provider (LSP) and does not directly provide loans, credit facilities, or accept deposits. Loan approval, disbursal, interest rates, fees, and repayment terms are determined exclusively by the partnered Regulated Entity (RE).
This Privacy Policy explains how we collect, use, store, process, and disclose your information when you access or use:
By using our website or mobile application, you agree to the practices described in this Privacy Policy.
1. Data Controller
Tradecraft Overseas
B-401, Kailas Business Park
Vikhroli West, Mumbai – 400079
India
Email: info@wiseloan.co.in
GST/Registration Number: 27AFKPC2956A1ZS
2. Information We Collect
Information You Provide
When you register, apply for financial products, or contact us, we may collect:
• Full Name
• Mobile Number
• Email Address
• Address
• PAN Card Details
• Aadhaar Details
• Income Information
• Employment Information
• Bank Statements
• KYC Documents
This information is collected solely for facilitating financial product applications with partnered banks and NBFCs.
Information Collected Automatically
When you use our website or application, we may automatically collect:
• IP Address
• Browser Type
• Device Information
• Operating System
• Date & Time of Visit
• Usage Data
• Approximate Location Information
• Website Interaction Data
This information is used for analytics, fraud prevention, security, and service improvement.
3. Device Permissions & Sensitive Data
WiseLoan may request limited device permissions only where necessary for onboarding, KYC verification, fraud prevention, or regulatory compliance.
We do not access or collect:
• SMS messages
• Call logs
• Contacts
• Photos or videos unrelated to KYC
• Audio recordings
• External storage files unrelated to application processing
Camera access may be requested only for document upload, profile verification, or KYC purposes with your consent.
4. Cookies
Our website uses cookies and similar technologies to improve user experience and analyze website traffic.
Types of cookies used:
• Strictly Necessary Cookies
• Performance Cookies
• Functionality Cookies
You may manage cookies through your browser settings.
5. How We Use Your Information
We use your information to:
• Facilitate loan and financial product applications
• Verify identity and perform KYC checks
• Process eligibility checks with partner lenders
• Provide customer support
• Improve website and application performance
• Prevent fraud and unauthorized activity
• Comply with legal and regulatory obligations
• Send service-related communications and updates with consent
6. Sharing of Information
We may share your information only where necessary and permitted by law, including with:
• RBI-regulated banks and NBFCs
• Credit bureaus and CICs
• CKYC and verification agencies
• Service providers and technology partners
• Regulatory authorities where legally required
We do not sell or rent your personal information to third parties.
7. Digital Lending Disclosure
All loan applications submitted through WiseLoan are evaluated and processed solely by the respective RBI-regulated Regulated Entity (RE).
Interest rates, repayment tenure, approval, fees, charges, and disbursal are determined exclusively by the partner lender according to their internal policies and eligibility assessment.
WiseLoan/Tradecraft Overseas only facilitates the digital application process as a Lending Service Provider (LSP).
8. Data Security
We implement reasonable administrative, technical, and physical security measures including encryption, secure servers, and access controls to protect your information.
However, no digital platform or transmission method can be guaranteed to be completely secure.
9. Data Retention
We retain personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by applicable law, regulatory obligations, dispute resolution, or fraud prevention requirements.
Data may be securely deleted or anonymized after the applicable retention period.
10. Your Rights
Subject to applicable law, you may have the right to:
• Access your personal data
• Correct inaccurate information
• Request deletion of data
• Withdraw consent
• Restrict processing
• Object to certain processing activities
To exercise your rights, contact us using the details below.
11. Grievance Redressal
For privacy concerns, complaints, or data-related requests, please contact:
Grievance Officer
Tradecraft Overseas
B-401, Kailas Business Park
Vikhroli West, Mumbai – 400079
India
Email: info@wiseloan.co.in
We aim to acknowledge and resolve grievances within the timelines prescribed under applicable laws and RBI guidelines.
Users may also contact the respective lending partner directly through their official grievance redressal channels.
12. Third-Party Links
Our platform may contain links to third-party websites or services operated by partner banks, NBFCs, or service providers. We are not responsible for their privacy practices or content.
13. Updates to This Privacy Policy
We may update this Privacy Policy periodically. Updated versions will be published on this page with the revised “Last Updated” date.
Continued use of the platform after updates constitutes acceptance of the revised Privacy Policy.
14. Contact Us
Tradecraft Overseas
Website:
Email:
Disclaimer:
WiseLoan, operated by Tradecraft Overseas, acts solely as a Lending Service Provider (LSP). We are not a bank or NBFC and do not directly provide loans or lending services.