The Reserve Bank of India has made it mandatory that the aggregate exposure by an investor across all Peer to Peer Lending Platforms should be less than or equal to Rs. 10,00,000 and
the total exposure of a lender to a single borrower should be less than or equal to Rs. 50,000.

1. Introduction

MicroGraam is fully committed to maintaining the privacy of buyers and sellers (collectively known as members) Information provided to it by its Members. All Member Information is protected by MICROGRAAM in accordance with the terms set forth in MICROGRAAM's Terms of Use (the Agreement) and in this Privacy Policy. This Privacy Policy is incorporated by reference into and is fully subject to the terms of the Agreement.

All capitalized terms which are not otherwise defined in this Privacy Policy are defined in the Agreement.

2. Privacy of Member Information

MICROGRAAM's primary goal in collecting Member Information is to provide you and other Members with a secure, efficient and customized venue for electronic sourcing of products and services. In addition to maintaining accurate information on and records of communications with its Members, MICROGRAAM may use this Member Information for its internal business operations, including research and analysis in order to optimize the Website and the services provided thereby and better serve its Members' needs.

Because MICROGRAAM understands the importance of protecting the privacy of its Members and maintaining the security of the Member Information, MICROGRAAM pledges that no Member Information specifically attributable to registered Members will be disclosed, distributed, published, disseminated, sold, traded, or shared with any third party, including advertisers, business or governmental organizations, or other Members, provided, however, that MICROGRAAM shall be entitled to disclose Member Information to third parties in the following situations:

  • When such disclosure is necessary to facilitate communications with Members or transactions between Members in accordance with the normal operation of the Website;
  • When such disclosure is so ordered by any court, administrative body, governmental agency or regulatory agency, or when MICROGRAAM in good faith determines that it is legally required to make such disclosure, or when such disclosure is requested by law enforcement authorities in connection with their investigations, or in the event of an emergency;
  • When enforcing the terms of the Agreement (including this Privacy Policy);
  • When communicating with a Member outside of the context of the Website
  • When MICROGRAAM in good faith determines that such disclosure is necessary to correct what MICROGRAAM believes to be false or misleading information or to address activities that MICROGRAAM believes to be manipulative or deceptive.
  • MICROGRAAM may aggregate and publish Member Information relating to activity on the Website, but such aggregated Member Information shall not include any Member Information that could be used to personally identify you.

3. IP Address Information

When you register as a Member on the Website, MICROGRAAM may obtain the IP address and host name (if available) of your originating server. This information identifies the computer that you are using, but no personal information about you is disclosed to MICROGRAAM. This information helps MICROGRAAM to diagnose problems with its server, administer the Website and gather broad demographic information about general patterns of Member use of the Website.

4. Cookies

The Website uses cookies to facilitate and track your use of the Website. Cookies may be used to enable you to enter your Password less frequently, and to customize information that is targeted to your interests. Cookies are stored on your hard drive, not on MICROGRAAM's server or on the Website. You are free to decline MICROGRAAM's cookies if your Internet browser permits you to do so, although if you do so you may not be able to use certain features of the Website, and you may be required to enter your Password more often when using the Website.

5. Security

MICROGRAAM has instituted security measures which are intended to prevent the loss, misuse, or alteration of the information under MICROGRAAM's control. Nevertheless, such measures may not prevent loss, misuse or alteration of information in all cases. MICROGRAAM urges all Members to exercise caution when using the Website.

6. Termination of Membership

As a supplier, you may terminate your login and password at any time by sending an email to and writing "cancel" in the subject line. Your termination will be subject to the terms set forth in the Agreement.Please address any questions concerning this Privacy Policy, the Agreement or any other issues relating to MICROGRAAM or the Website by sending an email to