Legal & Support
Delete your account and data
Credit, when life needs it.
This page explains how to ask us to delete your LoanDidi account and the data associated with it, exactly what is deleted, what we are required by law to keep, and how long the process takes. It applies to the LoanDidi mobile application and to www.loandidi.com, both operated by 36 Forts Capital Private Limited.
How to request deletion
You can make the request in any one of these three ways. You do not need to do more than one.
- In the LoanDidi app Open the app, go to the Profile tab, tap Chat with us and ask us to delete your account. Your request is logged immediately and you will receive an acknowledgement.
- By email Write to contact@loandidi.com with the subject line “Account deletion request”. Send it from your registered email address, or include your registered mobile number so that we can identify your account.
- By phone Call +91-9009003333 and ask our support team to raise an account deletion request. We will verify your identity before acting on it.
We verify every request before acting on it, so that nobody else can have your account deleted.
How long it takes
- We acknowledge your request within 48 hours.
- We complete the deletion within 30 days of verifying your request.
- We confirm in writing once it is done.
Before you request deletion
If you have an active or outstanding loan, we cannot delete your account until that loan is fully settled. A loan account must be maintained until closure, and your repayment obligations continue regardless of whether you use the app. Once the loan is closed, you may request deletion and we will process it.
Deleting your account does not cancel a loan, waive any amount due, or stop reporting to credit information companies that is required by law.
What is deleted
Once your request is processed, we delete the following from our active systems:
- Your LoanDidi login and app profile, including your name, email address and registered mobile number as used for access;
- Any loan application that was not completed, together with the information submitted in it;
- Documents and images you uploaded that are not part of a closed loan record — including your live photograph (selfie) and document images held for verification;
- Saved preferences, notification settings and in-app activity history;
- Device identifiers, push notification tokens and usage analytics linked to you; and
- Your marketing and communication preferences — you are removed from all marketing contact.
After deletion you will no longer be able to sign in, and the app will not hold any account for you.
What we are required to keep
As a regulated lending platform, we cannot delete everything. Indian law requires certain records to be preserved even after an account is closed. The table below sets out exactly what is retained, for how long, and why.
| What is retained | How long | Why |
|---|---|---|
| Loan records — sanction, agreement, Key Facts Statement, repayment schedule, payments made and amounts outstanding | 8 years from full closure of the loan | Required under RBI directions, tax and accounting law, and to resolve any future dispute about the loan |
| KYC records — identity and address verification records | 10 years from the end of the relationship | Required under the Prevention of Money Laundering Act, 2002 and the rules made under it, and RBI KYC directions |
| Transaction records — disbursal and repayment transactions | 8 years | Required under the Prevention of Money Laundering Act, 2002 and applicable tax law |
| Applications that were rejected, withdrawn or abandoned | Up to 10 years from the date of application | Audit, regulatory reporting and fraud prevention |
| Grievance and complaint records | 5 years from the closure of the complaint | Regulatory compliance and audit |
| Credit bureau reporting | As prescribed by law | Reporting of loan accounts and repayment conduct to credit information companies is mandatory under the Credit Information Companies (Regulation) Act, 2005, and cannot be withdrawn on request |
| Technical and security logs | Up to 12 months, or longer if required for an ongoing investigation | Security and fraud investigation |
How retained records are handled
Records retained for the reasons above are access-restricted and kept only for legal, regulatory, audit and dispute-resolution purposes. They are never used to contact you, to market to you, or to assess you for a new product. At the end of the applicable retention period they are securely deleted or irreversibly anonymised.
Records relating to a loan sanctioned by our lending partner, Collocate Merchants Private Limited (NBFC, RBI Certificate of Registration No. B-05.05188), are also held by the Lender as the regulated entity that holds the loan, in accordance with the Lender’s own policy and applicable law.
If you change your mind
You may cancel a deletion request at any time before it is processed by writing to contact@loandidi.com. Once deletion is complete it cannot be reversed — you would need to register again as a new user, and you would need to complete KYC again.
Protect yourself
Our staff never collect cash, or ask for OTPs, passwords or card details. If anyone contacts you claiming to be from LoanDidi and asks for any of these, it is not us — please report it to contact@loandidi.com or call +91-9009003333.
Questions and complaints
Customer support
Email: contact@loandidi.com
Phone: +91-9009003333
Grievance Redressal Officer
Mr. Pratyush Pandey — Vice President, Operations
36 Forts Capital Private Limited (LoanDidi)
Email: pratyush.p@loandidi.com
Phone: +91 92039 86714
Address: Ground Floor, Gore Parisar, Civil Lines, Raipur, Chhattisgarh — 492007
Complaints are resolved within 30 days of receipt.
Escalation to the RBI
If your complaint is not resolved within 30 days, you may escalate it to the RBI Ombudsman.
For full details of how we handle your information, see our Privacy Policy.