Privacy policy

In effect from 31 October 2026

This notice explains what personal data meriEMI collects, why we collect it, who we give it to, and what you can ask us to do with it. It is written to meet the notice requirements of the Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025.

Who we are

MeriEmi Technologies Private Limited, which trades as meriEMI, is the Data Fiduciary for the personal data described in this notice. That means we decide why and how it is processed, and we are answerable for it under the Act.

Registered office: Block B, 34/9, Landmark B-34/9, Double Storey, Ramesh Nagar, West Delhi, Delhi, 110015
CIN: U72500DL2021PTC386842
GSTIN: 07AAOCM9824B1ZA
Email: support@meriemi.com

What this notice covers

This notice covers personal data we collect when you use meriemi.com, when you contact us about car finance or a loan against property, and when a dealership passes your enquiry to us.

meriEMI arranges finance. We are not a lender. We do not approve loans, set interest rates or disburse money. When we pass your application to a bank or an NBFC, that lender decides what to do with it under its own privacy policy, and it becomes an independent Data Fiduciary for the data it holds about you. This notice does not govern what a lender does once your application reaches it.

The personal data we collect

We collect the following. We ask for a category only when it is needed for the purpose beside it, and you can decline any of it, though that may mean a lender cannot consider your application.

Identity and contact details

Name, date of birth, gender, mobile number, email address, residential address.

To identify you, reach you about your enquiry, and pass a complete application to lenders.

Identity and address proof

PAN, and the identity or address document you choose to provide, such as a driving licence, voter ID, passport or Aadhaar.

Lenders are required to verify identity and address before they can consider an application.

Employment and income details

Occupation, employer or business name, monthly or annual income, and the bank statements or income proofs you share.

Lenders assess repayment capacity from this before deciding whether to make an offer.

Vehicle and purchase details

Make, model and variant, new or used, dealer name, quoted price, down payment, loan amount and tenure you are seeking. Collected for a car finance application.

To work out which lenders fund that vehicle and on what terms.

Property details

Property address, type and approximate value, proof of ownership, and the loan amount and tenure you are seeking. Collected for a loan against property (LAP) application.

To work out which lenders will lend against that property and on what terms.

Application and transaction records

Which lenders your application went to, what each one decided, the terms offered, and our correspondence with you.

To run your application, keep you updated, and keep records we are required to keep.

Technical and usage data

IP address, browser and device type, and the pages you visit on our website.

To keep the website secure and working. We do not use it to build advertising profiles.

Why we process it

We process your personal data for these purposes and no others:

To understand what you want to finance, car or property, and what you can afford.
To identify which lenders on our panel are likely to fund it, and to send your application to those lenders.
To tell you what each lender has offered, and to help you compare the offers.
To help you complete documentation with the lender you choose, and to coordinate with the dealership where one is involved.
To answer your questions and handle any grievance you raise.
To keep records that tax, accounting and other laws require us to keep.
To keep the website secure and working correctly.

We do not sell your personal data. We do not use it to build advertising profiles, and we do not use it for automated decisions that produce legal effects for you.

We process your personal data on the basis of your consent, which you give when you send us an enquiry or ask us to approach lenders on your behalf. Where a law requires us to keep or disclose something, we rely on that law instead.

You can withdraw your consent at any time by emailing support@meriemi.com. Withdrawing is as easy as giving consent, and you do not need to give a reason. When you withdraw, we stop processing your data for the purposes above and erase it, unless a law requires us to keep it.

Withdrawing consent does not undo anything done while the consent was valid. If a lender already holds your application, you will need to contact that lender directly, because we cannot withdraw consent on your behalf with a third party.

Banks and non-banking financial companies on our panel

Your application and supporting documents, sent only to lenders relevant to your request.

Each lender is an independent Data Fiduciary under the DPDP Act. Once your data reaches a lender, that lender's own privacy policy governs what it does with it, including any credit bureau check it runs.

Vehicle dealerships

Your name, contact details and the status of your finance application.

Shared only where you came to us through a dealership or asked us to coordinate with one.

Service providers who work for us

Limited data needed to provide a service to us, such as email or document storage.

They act on our instructions as Data Processors and cannot use your data for their own purposes.

Authorities and regulators

Data we are required by law to disclose.

Disclosed only where a law, court order or lawful request obliges us to.

Credit bureau checks are run by the lender, not by us. meriEMI does not obtain your credit report from CIBIL, Experian, Equifax or CRIF. When a lender runs that check, it does so under its own consent and its own privacy policy.

How long we keep it

We keep your personal data only as long as the purpose it was collected for still applies. In practice that means:

If you enquire and do not proceed, we erase your data once the enquiry is closed and a reasonable follow-up period has passed.
If a loan is arranged, we keep the application record for as long as tax, accounting and company law require us to.
If you withdraw consent, we erase your data unless a law requires us to keep it.

When a retention period ends we erase the data, and we ask any processor acting for us to do the same.

Your rights

The Digital Personal Data Protection Act, 2023 gives you these rights:

To ask what personal data we hold about you, what we have done with it, and who we have shared it with.
To have inaccurate or incomplete data corrected, completed or updated.
To have your data erased, unless a law requires us to keep it.
To have a grievance answered by us.
To nominate another person to exercise these rights for you if you die or become unable to act for yourself.

To use any of these rights, email support@meriemi.com. We may ask you to confirm who you are before we act, so that we do not disclose your data to someone else. You are responsible for giving us information that is accurate, and for not raising a complaint you know to be false.

How to raise a grievance

If you are unhappy with how we have handled your personal data, contact our Grievance Officer first:

Name: Deepak Khanna
Designation: Co-founder and Chief Executive Officer
Email: support@meriemi.com
Postal address: Block B, 34/9, Landmark B-34/9, Double Storey, Ramesh Nagar, West Delhi, Delhi, 110015

We will acknowledge your grievance and respond to it. If we do not resolve it, or you are not satisfied with our answer, you can complain to the Data Protection Board of India, which is the authority set up under the Act to hear these complaints.

Children

Our service is for people aged 18 and over, because a person has to be 18 to enter into a loan agreement in India. We do not knowingly collect personal data about children or about persons with a disability who have a lawful guardian.

We do not use personal data for tracking, behavioural monitoring or targeted advertising directed at children. If you believe a child has given us personal data, email support@meriemi.com and we will erase it.

How we protect your data

We take reasonable security safeguards to prevent a breach, including access controls so that only staff who need your data can see it, encryption of data in transit, and agreements with our processors that require them to protect it.

No system is completely secure. We do not ask for your passwords, OTPs or full card numbers, and you should not send them to us.

If there is a data breach

If a breach affects your personal data, we will tell you without delay, in plain language, describing what happened, what it may mean for you, what we are doing about it, and what you can do to protect yourself.

We will also report the breach to the Data Protection Board of India as the Act and the Digital Personal Data Protection Rules, 2025 require, giving an initial intimation without delay and a detailed report within the period the Rules prescribe.

Transfers outside India

We process your personal data in India. If we ever transfer it outside India, for example because a service provider we use stores data abroad, we will do so only to countries the Central Government has not restricted, and we will remain answerable for it under the Act.

Cookies and analytics

Our website does not set advertising or tracking cookies, and we do not use third-party advertising networks. If we add analytics later, we will update this notice first and ask for your consent where the law requires it.

Changes to this notice

If we change how we handle personal data, we will update this notice and change the date at the top. Where a change materially affects you, we will tell you directly and ask for fresh consent if the Act requires it.

Our terms and conditions govern your use of the website and our service.