Effective Date: 13/07/2026
Last Revised: 13/07/2026
BAGOLoan (“Application”, “Platform”, “we”, “our”, or “us”) is a digital revolving credit platform operated by BASAGO DIGITECH PRIVATE LIMITED.
We understand that financial services require a high level of trust. Protecting your personal information and maintaining transparency regarding data usage are important responsibilities for us.
This Privacy Policy explains how BAGOLoan collects, processes, uses, stores, and safeguards your information when you access or use our application, website, and related financial services.
By registering an account, submitting an application, or continuing to use BAGOLoan, you provide your consent for the collection and processing of information as described in this Privacy Policy.
To provide credit evaluation, account management, identity verification, fraud prevention, and customer support services, BAGOLoan may collect information from different sources.
The information collected may include:
During account creation and verification, we may collect:
This information helps us confirm your identity, maintain account security, and comply with applicable financial service requirements.
To understand your financial capacity and provide a suitable revolving credit limit, we may collect:
Such information assists us in evaluating repayment ability and offering responsible credit solutions.
BAGOLoan may request access to certain device functions. We follow a permission-based approach and only collect information after obtaining your authorization.
Why we request SMS access:
SMS permission allows BAGOLoan to review relevant financial messages that may help us understand your financial behaviour and improve credit assessment.
Information obtained from SMS may support:
BAGOLoan only uses SMS information related to financial assessment purposes and does not intentionally collect unrelated personal conversations.
Why we request location access:
BAGOLoan collects approximate location information to determine whether our services are available in your current region.
Location information helps us:
BAGOLoan primarily provides services within India. Users accessing the platform from outside supported regions may have limited access to certain features.
We do not continuously monitor your location, and location information is collected only when required for service purposes.
Why we request camera access:
Camera permission is required to support identity verification procedures.
The camera may be used for:
The information collected through camera access is used only for verification, security, and compliance-related purposes.
BAGOLoan processes your information for the following legitimate purposes:
We analyze relevant information to:
Credit decisions are made based on multiple factors and not solely on any single data source.
Your information may be used to:
We may process information to:
We may process information to:
BAGOLoan does not sell, rent, or trade your personal information.
Your information may only be shared under controlled circumstances.
Where applicable, information may be shared with authorized financial institutions or lending partners for:
Such partners are required to process information according to applicable privacy and security requirements.
We may engage trusted service providers supporting:
These providers are permitted to process information only for authorized services.
Information may be disclosed when required by:
BAGOLoan adopts appropriate security practices designed to protect your information against:
Security measures may include:
Although we take reasonable precautions, no online system can guarantee absolute security.
We retain personal information only for the period necessary to:
When information is no longer required, we take appropriate steps to securely remove or anonymize it.
You may:
Some information may be required to provide financial services, and restricting certain permissions may affect service availability.
BAGOLoan is designed for individuals who are legally eligible to access financial services.
We do not knowingly collect information from individuals who are not eligible to use financial products.
We may revise this Privacy Policy when necessary due to:
The updated version will be made available through BAGOLoan or our official website.
If you have any questions, requests, or concerns regarding this Privacy Policy, please contact us:
BASAGO DIGITECH PRIVATE LIMITED
Email: info@basagodigitech.com