1. Who we are
MARG — Marketplace for Aspirations and Real Growth — is a home-loan marketplace operated by TEN Labs Technologies ("MARG", "we", "us", "our"). We help families assess their financial readiness for home ownership and connect them with lenders best suited to their profile.
This Privacy Policy explains what information we collect, why we collect it, how we use and share it, and the choices you have. It is designed to align with the Digital Personal Data Protection Act, 2023 (DPDP Act) and applicable Indian law.
2. Information we collect
We collect information you provide directly and information generated when you use our platform:
- Identity and contact details: name, mobile number, email, and address.
- KYC and financial details: PAN, date of birth, income, employment type, existing obligations, bank balance, and property details you share to check your home loan eligibility or apply for a loan.
- Credit information: with your consent, credit bureau scores and history used by our CreditOS engine to assess eligibility.
- Usage data: device, browser, IP address, and interactions with our website and apps, collected via cookies and analytics.
- Partner and Mitra data: for those who sign up to refer customers, the account and profile details needed to operate the network.
3. How we use your information
We use your information to:
- Assess your home loan eligibility and estimate a sustainable EMI and loan amount.
- Match you with lenders and, with your consent, share your application for underwriting.
- Operate, secure, and improve our platform and the CreditOS engine.
- Communicate with you about your enquiry, application status, and service updates.
- Comply with legal, regulatory, and audit obligations.
4. Consent and legal basis
We process your personal data on the basis of the consent you provide at the point of collection, or as otherwise permitted by law. Where we access credit bureau information or share your profile with a lender, we do so only after you have given specific, informed consent. You may withdraw consent at any time by contacting us, though this may limit our ability to provide certain services.
5. How we share information
We share your information only as needed to deliver our services:
- With lending partners you choose to apply to, for eligibility assessment and loan processing.
- With credit bureaus and account-aggregator or verification partners, with your consent.
- With service providers who host, secure, or support our platform, under confidentiality obligations.
- Where required by law, regulation, or a valid legal request.
We do not sell your personal data.
6. Data retention
We retain your information for as long as needed to provide our services, support any application or reapplication, and meet legal, regulatory, and audit requirements. Where information is retained to improve our models, it is handled under appropriate safeguards. When data is no longer required, it is securely deleted or anonymised.
7. Data security
We use technical and organisational safeguards — including encryption in transit, access controls, and secured infrastructure — to protect your information against unauthorised access, loss, or misuse. No system is perfectly secure, but we work continuously to protect your data.
8. Your rights
Subject to applicable law, you have the right to access, correct, and update your personal data, to withdraw consent, and to request deletion or grievance redressal. You can exercise these rights by contacting us using the details below.
9. Cookies and analytics
We use cookies and similar technologies to keep you signed in, remember preferences, and understand how our platform is used. You can control cookies through your browser settings; disabling some cookies may affect functionality.
10. Changes to this policy
We may update this Privacy Policy from time to time. Material changes will be reflected here with a revised "Last updated" date. Please review this page periodically.
11. Contact us
For any privacy questions, requests, or grievances, contact us at [email protected] or +91 76965 85944. We aim to respond within a reasonable timeframe and in line with applicable law.