Who we are
Merit is a brand of AT Consultancy and Fintech Management Services Pvt Ltd ("AFMSYS", "we", "us"), Devkar Plaza, opposite Bank of Baroda, Dahiwadi Road, Vaduj, Tal. Khatav, Dist. Satara, Maharashtra 415506. We help people and businesses with loan guidance, government subsidy applications, tax and registration work, and property services. We are not a bank or lender.
This policy explains what personal information we handle when you use meritloan.in or our desk, and the choices you have. We follow the Digital Personal Data Protection Act, 2023 and other Indian laws that apply to us.
What we collect
- On this website: the name, mobile number, town and request details you type into a form. These are saved only in your own browser so you can track your request. They are not sent to us unless you tap the WhatsApp button.
- When you contact us on WhatsApp, by phone or at the office: your name, mobile number, the service you need, and the details and papers needed for that service (for example income, business details, property papers or KYC documents such as PAN and Aadhaar).
- Website logs: our hosting provider automatically records basic technical data such as IP address, browser type and pages requested, to keep the site secure and working.
This website does not use advertising trackers, analytics tools or marketing cookies. It stores two items in your browser: your chosen language and your saved requests.
Why we use it
- To understand your need and suggest suitable loans, schemes or services.
- To prepare and file applications, returns and registrations that you have asked for.
- To share your file with the bank, NBFC, government department or partner professional (such as a CA) that you choose, only for that application.
- To update you on the status of your work and to reply to your questions.
- To meet legal, tax and record-keeping duties.
We use your information only with your consent or where the law allows it, and only for the purpose you gave it for.
Who we share it with
- The lender, government office or partner professional handling your application, and only after you ask us to proceed.
- Service providers that help us run our work, such as website hosting and messaging, under confidentiality.
- Authorities, when the law requires it.
We never sell your personal information and never share it for anyone else's marketing.
How we protect it
- Only team members working on your file can see it.
- We look at original KYC documents for verification and return them. We keep copies only when an application needs them.
- We will never ask for your OTP, password, PIN, CVV or net-banking login. Please never share these with anyone, including us.
How long we keep it
We keep your information while your work is in progress and afterwards only as long as tax, accounting or other laws require, usually up to 8 years for financial records. After that we delete it or make it anonymous. Requests saved on this website stay in your browser until you clear them.
Your rights
You can ask us to:
- tell you what personal information we hold about you and who we shared it with;
- correct, complete or update it;
- delete it, when we no longer need it for your work or for the law;
- withdraw your consent. This stops further processing but does not undo work already done;
- name another person who can use these rights on your behalf.
Grievance officer
For any privacy question or complaint, contact our grievance officer:
Pranav Bagal, Founder
WhatsApp or call: 9006700601 · 9665674813
Post: AT Consultancy and Fintech Management Services Pvt Ltd, Devkar Plaza, opp. Bank of Baroda, Dahiwadi Road, Vaduj, Maharashtra 415506
We aim to reply within 7 days. If you are not satisfied, you may approach the Data Protection Board of India.
Children
Our services are meant for adults. We do not knowingly collect information about children except where a parent or guardian gives it for a family application.
Changes
We may update this policy. The date at the top shows the latest version.