Effective date: 12 November 2026
This Privacy Policy explains how Anjaneyulu.in (proprietor: Anjaneyulu Yadav), Secunderabad, Hyderabad, Telangana, India ("Anjaneyulu.in", "we", "us") handles personal data when you use our website https://anjaneyulu.in and our Android app "Anjaneyulu.in" (package anjaneyulu.in), together the "Services".
We follow the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology Act, 2000 and applicable rules. By using the Services you agree to this policy.
1. Who we are
Anjaneyulu.in is a loan consultancy and multi-service partner in Hyderabad. We are NOT a bank, NBFC or lender, and we do not lend money. We help customers find suitable loans from RBI-regulated banks and NBFCs, and we provide government registration, property, technology and car / driver booking services.
Data Fiduciary: Anjaneyulu.in (proprietor: Anjaneyulu Yadav), Secunderabad, Hyderabad, Telangana, India. Email: support@anjaneyulu.in · Phone / WhatsApp: +91 86860 95951.
2. The short version
- The app has no login and no account, and the app itself does not send your enquiry to our server.
- On the website, a copy of the enquiry form you submit is saved on our server so that our team can call you back. Documents are uploaded only through a private, secure form link that our team sends you.
- When you send an enquiry, booking or referral, the app opens WhatsApp (or WhatsApp Business) with a pre-filled message. Nothing is sent until YOU tap Send in WhatsApp.
- The app does NOT access your contacts, photos, files, camera, microphone, location, SMS or call logs.
- The only device permissions are Internet, network-state and — only if you allow it — notifications.
- Push notifications are optional and off until you allow them. They are delivered by OneSignal (see section 6).
- We never sell your personal data.
3. Data we receive
a) Enquiries, bookings and referrals you send us on WhatsApp, phone or email. These may include your name, mobile number, area, pincode, city/district, state, the service you need, and service-related details you choose to share (for example loan amount, employment type, monthly income, property location, business details, trip date, time and pickup point).
b) Referral details. If you refer a friend, you share your friend's name, mobile number, service needed and area. Only refer someone who has agreed to be contacted by us.
c) Documents. If you go ahead with a service, our team may ask for documents (such as PAN, Aadhaar, bank statements, income or property papers) over WhatsApp, email or in person, only to provide that service.
d) Website enquiry forms. When you submit an enquiry form on https://anjaneyulu.in, a copy of what you typed (name, mobile number, service, area, pincode and any details you add) is saved on our server and emailed to our team, in addition to the WhatsApp message you send.
e) Secure forms and documents. If you go ahead with a service, our team may send you a private link (https://anjaneyulu.in/f/...) to fill in further details and upload documents. What you submit there is stored on our server and can be opened only by our team after logging in. The link works only for you, opens only after a one-time code (OTP) sent to your registered mobile number, and expires automatically. To deliver the OTP we share your mobile number with our SMS or WhatsApp messaging provider, only for this purpose.
f2) Our team tools. Enquiry details and status may be kept in our customer-management tools (for example our WhatsApp business messaging system) so that we can follow up with you. If someone referred you to us, we record the referrer's name and code with your enquiry, and may tell the referrer the stage of your enquiry (never your documents, income or loan amount).
f) Referral links. If you open a referral link, the referral code is remembered in your browser or app and added to your enquiry, so that the person who referred you can be credited. We also count how many times a referral link was opened.
g) Visitor counting without cookies. We count page visits on our website ourselves. We do not use advertising or analytics cookies and we do not store your IP address for this: your device is counted through an anonymous code that changes every day and cannot be used to identify you.
h) Website technical data. Our web host may log standard technical information (IP address, browser type, pages visited, date and time) for security and performance.
4. Data stored only on your phone
To make the app convenient, these items are saved on your own device and are never uploaded by the app: your name and mobile number (to pre-fill forms), your list of enquiries and referrals with reference IDs, your referral code, your language choice, document checklists you tick, and calculator values.
You can remove them at any time by clearing the app's storage (Settings → Apps → Anjaneyulu.in → Storage → Clear data) or by uninstalling the app.
5. Status tracking
The app downloads a public file (https://anjaneyulu.in/track.json) that lists reference IDs with their current stage. The app does not send your reference ID or any other personal data to download it. The file contains reference IDs, stages and short notes only, and no names, phone numbers or documents.
6. Push notifications (optional)
If you allow notifications in the app or on our website, we use OneSignal, Inc. (USA), a push-notification service provider, together with Google Firebase Cloud Messaging (for the app) or your browser's push service (for the website), to send you rate updates, offers and service updates.
For this, OneSignal processes: a push token / subscription ID for your device or browser, device model, operating system and app version, language, time zone and approximate country (derived from IP address), and whether a notification was delivered and opened.
The app also attaches two simple labels (tags) so that messages are relevant: your language choice, and the service category of your latest enquiry (for example "home loan"). We never send your name, mobile number, income, documents or the contents of your enquiry to OneSignal.
You can turn notifications off at any time: in the app (More → Notifications), in your phone settings (Settings → Apps → Anjaneyulu.in → Notifications) or in your browser's site settings. To have your push subscription data deleted, message us. OneSignal's privacy policy: https://onesignal.com/privacy_policy
7. How we use your data
- To contact you and respond to your enquiry, booking or referral
- To check loan eligibility and match you with suitable banks / NBFCs
- To deliver the service you asked for (licences, registrations, legal verification, property, technology, car / driver bookings)
- To process referral rewards
- To keep records required by law and to prevent fraud
We use your data only for the purpose you shared it for, or as required by law.
8. Legal basis and consent
We process your data based on your consent, which you give when you send us your details, and for legitimate uses permitted under the DPDP Act, such as completing a service you requested or complying with law. You may withdraw consent at any time by messaging us. Withdrawal does not affect processing already done.
9. Sharing
We share your data only when needed to provide the service you asked for:
- Banks and NBFCs (RBI-regulated lenders), when you choose to apply for a loan through us. The lender's own privacy policy then also applies.
- Government portals and departments (for FSSAI, GST, Udyam, PAN, passport, ITR, labour licence and similar registrations).
- Advocates and valuers (for property legal verification) and drivers / car partners (for bookings), limited to what they need.
- Service providers that carry our communication: WhatsApp / Meta, telecom operators, email providers, our web host and — only if you allow notifications — OneSignal and Google Firebase Cloud Messaging.
- Authorities, if required by law, court order or to prevent fraud.
We never sell or rent your personal data, and we do not share it for advertising.
10. Retention
We keep enquiry information and documents only as long as needed to provide the service and to meet legal, tax and regulatory requirements. After that we delete or anonymise it. Documents uploaded through our secure forms are deleted from our server once your service is completed or closed, unless the law requires us to keep them. Visitor counts are kept only as totals. Referral information is kept until the referral is closed and any reward is settled. Push subscription data is kept while you stay subscribed and is deleted on request or after the subscription becomes inactive.
11. Security
We use reasonable security practices: access is limited to our team, documents uploaded to us are kept in a protected area of our server that is not publicly accessible, documents are shared only with the bank or authority that needs them, and the website and app use encrypted (HTTPS) connections. No method of transmission or storage is 100% secure, but we work to protect your data.
12. Your rights
Under the DPDP Act you may: (a) ask what personal data we hold about you; (b) ask us to correct or update it; (c) ask us to erase it, unless we must keep it by law; (d) withdraw consent; (e) nominate a person to exercise your rights in case of death or incapacity; and (f) raise a grievance.
To exercise these rights, message us on WhatsApp or email support@anjaneyulu.in. We will respond within 30 days.
13. Children
Our Services are meant for adults (18+). We do not knowingly collect data from children. Education loan enquiries must be made by a parent or guardian.
14. Grievance Officer
Name: Anjaneyulu Yadav
Email: support@anjaneyulu.in
Phone / WhatsApp: +91 86860 95951
Address: Secunderabad, Hyderabad, Telangana, India
If you are not satisfied with our response, you may approach the Data Protection Board of India.
15. Changes
We may update this policy. The latest version is always available in the app and at https://anjaneyulu.in/privacy-policy/ with its effective date.