Privacy Policy

About This Policy

At NischintLoan, safeguarding personal information is fundamental. This Privacy Policy sets out the information obtained while you use the NischintLoan mobile application (the “App”), why it is used, how it is protected, and the choices that remain available to you.

Your continued use of the App confirms acceptance of this Policy. If you disagree with a provision, delete the App from your device. You should consider this document together with our Terms of Service, which establish the broader conditions for using NischintLoan.

Data We Gather

2.1 Identity & Contact Details

We collect your full name, date of birth, mobile number, email address, and government-ID details so that your identity can be confirmed and your profile created. Encrypted, secure channels transmit this information for storage at:

Use is limited to identity checks, account establishment, and regulatory compliance. The information is not given to an external party for a commercial purpose.

2.2 Device & Technical Information

The App automatically receives limited technical information, including device model and manufacturer, operating-system version, IP address, and Google Advertising ID. These details support secure and dependable operation and are not applied to advertising or credit outcomes.

2.3 Installed App Metadata

Limited metadata concerning installed applications, such as their package names and installation dates, may be collected for security assessment. The App does not obtain their contents, passwords, or usage records, and this metadata has no bearing on credit standing.

2.4 Camera Access

When you initiate a document upload, camera access may be requested. Images are encrypted before they are transferred to server.nischintloan.com, then deleted when verification is finished. The camera is never activated in the background, only runs after your action, and retains no photograph after completion.

2.5 Approximate Location

With your consent, approximate location may be received to confirm that the service is offered in your area. Exact coordinates are not retained, and location is excluded from advertising, profiling, and credit assessment.

2.6 Usage & Diagnostic Data

Aggregated and anonymized information, including error logs, screens viewed, and time spent, is used to improve the App. It cannot identify you and does not affect a credit decision.

Why We Collect Data

Processing occurs solely for clear and lawful purposes, which include:

• Checking identity and eligibility before creating an account.
• Operating the revolving credit line and processing its transactions.
• Recognizing and preventing fraud to maintain platform security.
• Handling support requests and answering user enquiries.
• Improving App functionality, repairing errors, and building better services.
• Meeting legal and regulatory requirements that apply to us.

You can decline a particular permission. The related function may then be unavailable, but general use of the App remains possible. Data is never obtained under a permission you have not provided.

Who Sees Your Data

We do not sell, lease, or exchange your personal information for profit. Disclosure occurs only when genuinely necessary and is limited to:

• Identity-verification companies that authenticate the documents you provide.
• Providers responsible for secure data systems and processing operations.
• Government authorities or regulators where the law obliges us to disclose it.

Every partner is bound by strict confidentiality and must apply industry-standard security. Information cannot be used by them beyond the purpose required to support NischintLoan.

Keeping Your Data Safe

Robust controls protect information throughout its lifecycle, from initial collection until deletion. Our principal measures include:

• End-to-end protection of transmissions with TLS/HTTPS encryption.
• Access restrictions that allow only verified personnel to see sensitive records.
• Routine independent security examinations and vulnerability assessments.
• Twenty-four-hour monitoring with automated warnings for suspicious behaviour.

Only employees with a genuine business need can access sensitive information, and each instance is recorded for audit. Online systems can never eliminate every risk; contact support@nischintloan.com immediately if unauthorized account access is suspected.

How Long We Keep It

We retain information only for the time needed to achieve the purposes explained in this Policy or satisfy applicable legal obligations, using whichever period is longer.

After account closure and expiry of any required retention period, the information is securely removed or irreversibly anonymized. The retention duration varies with the type of information and the regulations that apply.

Age Requirement

NischintLoan is strictly limited to users who are at least 18 years old. We do not knowingly obtain information about anyone under 18, and identity verification is intended to block underage access.

If information belonging to a minor is discovered, we will erase it immediately and close the corresponding account without notice. A suspected registration by a minor should be reported to support@nischintloan.com.

Your Rights

For personal information that NischintLoan maintains about you, the following rights are available:

Contact support@nischintloan.com to exercise a right or ask how your information is handled.

We respond to valid requests within a reasonable timeframe as required by applicable law. Verification of your identity may be requested first.

Changes to This Policy

This Policy can be amended to reflect a change in our services, applicable law, or regulatory developments. Significant amendments will be communicated in the App or through email before becoming effective.

Minor corrections and non-material revisions can be published without advance notice. The month above identifies the most recent change. Continued use after an amendment signifies acceptance of the revised Policy.

Contact Us

Our team is available to address a complaint, request, or question regarding this Privacy Policy or our handling of your information.