a. Data We Collect
We may collect and process the following categories of data:
Personal Identification Details (e.g., PAN, Aadhaar, Passport)
Contact Details (e.g., phone, email, address)
Financial and Credit Information (e.g., income, bank details, credit scores)
Digital Footprint (e.g., IP address, device ID, cookies, location)
b. Purpose of Data Collection
Your information is collected and used:
To verify identity and conduct KYC/CIBIL checks
To process and underwrite loan applications
For risk assessment, fraud detection, and legal compliance
To deliver digital services, alerts, and transactional updates
c. Data Sharing
We may share your data with:
Banks, credit bureaus, payment gateways, and regulatory bodies
Technology and analytics partners (under strict data protection agreements)
Law enforcement or government agencies, when legally obligated
d. Data Security Measures
We employ industry-standard encryption, access controls, firewalls, and regular security audits to protect your data. However, no digital platform is immune to risks, and USB cannot guarantee absolute data security.
7. Cookies and Tracking
We use cookies to enhance user experience and analyze web traffic. By using this website, you consent to the use of cookies in accordance with our Cookie Policy.
8. Third-Party Links
This website may contain links to third-party sites. USB has no control over the privacy practices or content of such sites and shall not be held responsible for any losses or damages incurred as a result of using them.
9. Modifications
USB reserves the right to update or modify these Terms of Use and the Privacy Policy at any time. Changes will be effective immediately upon posting on the website. Continued usage will be deemed as acceptance of the updated terms.
10. Jurisdiction
These Terms shall be governed by the laws of India. Any disputes arising from these terms or the use of the website shall be subject to the exclusive jurisdiction of the courts located in Noida, Uttar Pradesh.
