1. Information We Collect

1.1 Personal Information

We may collect the following personally identifiable information:

Full name

Email address

Phone number

Date of birth

Address and location data

Government-issued ID (e.g., Aadhaar, PAN)

Bank account details and UPI ID

Employment and income details

1.2 Device & Usage Data

Device type and OS

IP address

Mobile network information

App usage data

Crash logs and diagnostic information

1.3 Financial Information

Credit history

Loan application details

Repayment records

Bank transaction history (only with your explicit consent)

2. How We Use Your Information

We use the collected data to:

Process loan applications and perform credit assessments

Communicate loan status, updates, and alerts

Verify your identity and prevent fraud

Analyze and improve app performance

Comply with legal obligations

3. Information Sharing and Disclosure

We may share your information with:

Authorized financial institutions and lending partners

Credit bureaus for risk analysis

Service providers (e.g., cloud, analytics, KYC verification)

Government or legal authorities if required by law

With your consent, for marketing or promotional offers

We do not sell your personal data to third parties.

4. Data Security

We implement industry-standard security practices to protect your data, including:

Encryption (SSL/TLS)

Secure storage on compliant servers

Regular security audits

However, no method of transmission or storage is 100% secure. Use the app at your own discretion.

5. User Rights

You have the right to:

Access, update, or delete your personal data

Withdraw consent at any time

Object to certain data processing practices

To exercise these rights, contact us at: [Insert Contact Email]

6. Data Retention

We retain your data:

As long as you maintain an account with us

For legal or regulatory compliance

For dispute resolution and fraud prevention

7. Third-Party Services

Our app may contain links or integrations with third-party services. We are not responsible for their privacy practices. Please read their privacy policies before use.

8. Children’s Privacy

Our app is not intended for users under the age of 18. We do not knowingly collect data from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be notified via the app or by email. Continued use of the app signifies your acceptance.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

📧 Email: [admin@avitam.in]