Consents

You agree to Birbal's Terms of Service.

• You accept the terms that govern your use of Birbal — our role as a financial advisory and application-sourcing platform, not a lender.
• Birbal gives guidance and prepares applications; final financial decisions, approvals and pricing rest with you and the lender you choose.
• Read the full agreement on our Terms of Service page.

You acknowledge our Privacy Policy.

• You acknowledge how we collect, use, share and protect your personal and financial information across our app and website.
• We do not sell your data, do not share it with advertising networks, and do not track you across other apps or sites.
• See the full policy, your rights and account-deletion options on our Privacy Policy page.

You authorise Birbal to fetch your credit bureau report and loan data.

• You authorise Birbal to fetch your credit bureau report and loan data so we can find your existing loans and show where you could save.
• This is a soft pull for your own view — it does not affect your credit score.
• We use it only to personalise your options and, where you ask, to help you seek a rate reduction. We do not share your report with lenders you have not chosen.

Grant read-only access to your Gmail so Birbal can watch for your lender's replies — bank senders only, never the rest of your inbox.

• Optional. If you connect Gmail later, you grant read-only access so Birbal can watch for your lender's replies about a rate request.
• We only read messages from bank and lender senders — never the rest of your inbox, and we never send email on your behalf.
• You can connect or disconnect this at any time; it is never required to use Birbal.

Fetch your bank statements via the RBI-licensed Account Aggregator network, with your explicit approval each time.

• Optional. Fetch your bank statements through the RBI-licensed Account Aggregator (AA) network — a secure, regulated, consent-based rail.
• Each fetch needs your explicit approval in the AA flow, and you choose which accounts and for how long.
• Used only to strengthen a loan or rate-reduction application you ask us to prepare. Never required to use Birbal.