Effective Date: November 13, 2025

At Elixirium Consulting Solutions Private Limited, we value your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit www.elixiriumconsultingsolutions.com or use our services.

By accessing our website or submitting your information, you agree to the terms of this Privacy Policy.

Information We Collect

We may collect the following information:

Personal Information

• Full Name

• Mobile Number

• Email Address

• Residential Address

• Date of Birth

• Occupation and Income Details

Financial Information

• Credit Score Information

• Loan Requirements

• Existing Liabilities

• Bank Statements

• PAN Card Details

• Aadhaar Card Details

• Income Proof

Technical Information

• IP Address

• Browser Type

• Device Information

• Cookies and Usage Data

• Website Analytics Data

How We Use Your Information

We use your information to:

• Process loan inquiries and applications.

• Provide Home Loan, Personal Loan, Business Loan, MSME Loan, and Car Loan consulting services.

• Verify identity and eligibility.

• Contact you regarding services and offers.

• Improve website performance and user experience.

• Comply with legal and regulatory requirements.

• Prevent fraud and unauthorized activities.

Types of Services Covered Under This Policy

This Privacy Policy applies to information collected for:

Home Loan Services

Assistance with housing loans, balance transfers, and loan advisory.

Personal Loan Services

Support for salaried and self-employed individuals seeking personal loans.

Business Loan Services

Funding assistance for startups, SMEs, and business expansion.

MSME Loan Services

Financial assistance for Micro, Small and Medium Enterprises.

Car Loan Services

Advisory and assistance for new and used car financing.

Sharing of Information

We may share your information with:

• Banks and Financial Institutions

• NBFCs (Non-Banking Financial Companies)

• Credit Bureaus

• Legal Authorities when required by law

• Third-party Service Providers assisting in operations

We do not sell your personal information to third parties.

Data Security

We implement appropriate security measures to protect your information from:

• Unauthorized Access

• Data Loss

• Misuse

• Alteration

• Disclosure

Despite our efforts, no method of online transmission is completely secure. Users are advised to exercise caution while sharing sensitive information online.

Cookies Policy

Our website uses cookies to:

• Improve website functionality

• Analyze visitor behavior

• Enhance user experience

• Personalize content and advertisements

You can disable cookies through your browser settings. However, some features of the website may not function properly.

Third-Party Links

Our website may contain links to external websites, banks, or financial institutions. We are not responsible for the privacy practices or content of those third-party websites.

Users are encouraged to review the privacy policies of external websites before sharing personal information.

Consent

By using our website and submitting your details through forms, you provide your consent to:

• Collection of your information

• Processing of loan applications

• Communication through phone calls, SMS, WhatsApp, and email

• Sharing information with financial institutions for loan processing

Communication Policy

By submitting your information on our website, you authorize us to contact you regarding:

• Loan Offers

• Application Status

• Promotional Offers

• Financial Services

• Customer Support

This communication may occur through:

• Phone Calls

• SMS

• WhatsApp

• Email

• Other Digital Channels

Your Rights

You have the right to:

• Access your personal information

• Request corrections to inaccurate information

• Request deletion of your data, subject to legal obligations

• Withdraw consent for marketing communications

• Raise concerns regarding privacy practices

Data Retention Policy

We retain your information:

• For as long as required to provide services

• To comply with legal obligations

• For dispute resolution purposes

• For maintaining business and transaction records

Once the retention period expires, the information is securely deleted or anonymized.

Children's Privacy

Our services are intended for individuals who are 18 years of age or older. We do not knowingly collect information from minors.

Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date.

We encourage users to review this page periodically.

Contact Us

If you have any questions regarding this Privacy Policy or the handling of your personal information, please contact:

Elixirium Consulting Solutions Private Limited
Website: www.elixiriumconsultingsolutions.com
Email: info@elixiriumconsultingsolutions.com
Customer Support: Available through the Contact Us page.