Privacy Policy

This Privacy Policy applies to StudyCapital ("we", "our", or "us"), a financial consultancy specialising in education loans, with registered office at B-158/159, Sainik Nagar, New Delhi – 110059, India.

We operate www.studycapital.in and associated digital channels including WhatsApp, Facebook, Instagram, and social media. This Policy explains how we collect, use, store, and protect your personal information.

By using our Website or submitting any inquiry form, you consent to the data practices described here in accordance with the Information Technology Act, 2000, the IT (Amendment) Act, 2008, and the Digital Personal Data Protection Act, 2023 (DPDPA) of India.

We collect information directly from you and automatically when you visit our Website.

We may also receive information from partner banks, financial institutions, or referral partners where you have consented to such sharing.

We use your personal data solely to provide education loan consultancy services:

• Respond to loan inquiries and schedule consultations with our advisors
• Match your profile to the most suitable bank or NBFC loan product
• Assist with loan application documentation and submission
• Send loan status updates and notifications via call, SMS, WhatsApp, or email
• Conduct internal analysis to improve our services
• Fulfil legal and regulatory obligations under applicable financial laws
• Run targeted advertising on Facebook/Meta and Google where you have consented
• Send periodic newsletters on education loan rates (with opt-out option)

We do not sell your personal data. We may share your information only in these circumstances:

We maintain a Facebook App (StudyCapitalDelhi, App ID: 800087412894093) for Facebook Login, Lead Ads, and retargeting campaigns.

• Public profile – name, profile picture – to personalise interactions via Messenger or lead forms
• Email address (via Facebook Lead Ad forms) – to follow up on your loan inquiry
• Facebook Pixel events – page views, form submissions – to optimise ad campaigns
• Messaging interactions via Facebook/Instagram Messenger – responding to loan queries

You may revoke our app's access via Facebook Settings → Apps and Websites. For data deletion, see Section 10 or email info@studycapital.in.

We implement industry-standard measures to protect your personal information:

• HTTPS/TLS encryption on all pages of www.studycapital.in
• Access controls limiting personal data to authorised staff only
• Secure handling of loan documents shared via email or WhatsApp
• Regular review of data handling practices and third-party integrations
• Prompt notification to affected users in the event of a data breach

• Essential Cookies: Required for the Website to function. Cannot be disabled.
• Analytics Cookies (Google Analytics): Help us understand visitor interactions. Anonymised IPs.
• Marketing Cookies (Facebook Pixel, Google Ads): Enable relevant ads on social media and Google.
• Functional Cookies: Remember your preferences (e.g., country code in forms).

You can manage cookies via your browser settings. Disabling cookies may affect some Website functionality.

We retain personal data only as long as necessary to fulfil the purposes for which it was collected:

After the applicable retention period, your data will be securely deleted or anonymised.

Under the Digital Personal Data Protection Act, 2023 (DPDPA), you have the following rights:

To exercise any of these rights, contact our Data Protection Officer at info@studycapital.in or call +91 98114 19910. We respond within 30 days.

You may request deletion of your personal data from our systems at any time.

1. Send an email to info@studycapital.in with subject: "Data Deletion Request – [Your Name]"
2. Include your full name, phone number and/or email used when contacting us, and specify which data to delete
3. We will verify your identity and confirm receipt within 72 hours
4. Deletion will be completed within 30 days, subject to statutory retention requirements
5. We will send a confirmation email once your data has been deleted

Our services are directed at individuals who are at least 18 years of age or applying with a parent or guardian as co-applicant. We do not knowingly collect personal data from children under 18 without verified parental consent.

If a parent or guardian believes their child's data has been submitted without proper consent, please contact us immediately at info@studycapital.in and we will promptly delete such data.

We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date, post a notice on our homepage for 30 days, and notify you directly where required by law.

We aim to respond to all privacy inquiries within 3 business days and resolve them within 30 days.