Effective from: April 2025

1. Introduction

At **Nidhi Capital Finance**, we value and respect your privacy. This Privacy Policy explains how we collect, store, and protect your personal information when you access or use our website and services. We are committed to maintaining the confidentiality and security of your data and complying with applicable privacy laws and regulations, including the **Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011** and other relevant Indian laws.

By accessing our website or using our services, you agree to the terms and conditions outlined in this Privacy Policy.

2. Information We Collect

We collect personal information when you use our services, interact with our website, or communicate with us. This may include the following:

• Personal Identification Information: Name, address, contact details (email, phone number), date of birth, gender, etc.
• Financial Information: Income details, bank account details, credit score, loan repayment history, and other financial data necessary to process loan applications.
• Identification Documents: PAN, Aadhaar, and other KYC (Know Your Customer) documents as required by regulatory authorities.
• Cookies and Usage Data: IP address, browser type, device details, website usage information, and preferences for improving user experience.

3. How We Use Your Information

We use the collected data for the following purposes:

• Loan Processing: To evaluate loan eligibility, process loan applications, and disburse funds.
• Customer Support: To respond to inquiries, assist with loan management, and provide customer service.
• Marketing and Communication: To send promotional material, updates, offers, and other communications that may interest you (with your consent).
• Legal and Compliance: To comply with regulatory requirements, conduct due diligence, and maintain records as per legal obligations.
• Improvement of Services: To enhance the functionality and usability of our website and services through data analysis and feedback.

4. Data Security

We are committed to securing your personal data. To protect your information, we employ a variety of security measures, including:

• Encryption: All sensitive data, including financial information and personal identification details, is encrypted during transmission using advanced encryption protocols (e.g., SSL/TLS).
• Access Controls: We restrict access to your personal data to authorized personnel only who require it to process your requests or provide services to you.
• Regular Audits: We conduct regular security audits and assessments to identify and mitigate potential vulnerabilities in our systems.
• Secure Storage: Your personal data is stored securely in protected databases, and we take every precaution to prevent unauthorized access, loss, or theft of your data.

5. Data Sharing and Disclosure

We will not sell, rent, or trade your personal information to third parties. However, we may share your data under the following circumstances:

• With Third-Party Service Providers: We may share data with trusted partners who assist us in processing loans, verifying documents, or providing other related services. These partners are bound by confidentiality agreements to protect your information.
• For Legal Compliance: We may disclose your data to comply with legal obligations, regulatory requirements, or to protect our rights, property, or safety, and that of our users.
• With Your Consent: We may share your data with other parties if you provide explicit consent to do so.

6. Retention of Data

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or as required by law. After the retention period, your data will be securely deleted or anonymized to ensure privacy.

7. Your Rights

You have the following rights regarding your personal data:

• Right to Access: You can request access to the personal data we hold about you.
• Right to Correction: You can request corrections or updates to inaccurate or incomplete data.
• Right to Deletion: You can request the deletion of your personal data, subject to legal or contractual obligations.
• Right to Object: You can object to the processing of your personal data for certain purposes, such as marketing or profiling.

8. Cookies and Tracking Technologies

We use cookies and other tracking technologies to enhance user experience, analyze website performance, and personalize content. You can control cookies through your browser settings, but please note that disabling cookies may affect the functionality of our website.

9. Third-Party Links

Our website may contain links to third-party websites. These websites are governed by their own privacy policies, and we encourage you to review them before providing any personal information. We are not responsible for the content or practices of these third-party sites.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the updated policy will be effective as soon as it is published. We encourage you to review this Privacy Policy periodically for any updates.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or the way we handle your personal data, please contact us:

• Customer Support: [email protected]
• Phone: **1888-452-1505**
• Address: **101-103, Mittal Court, A Wing, 10th Floor, Nariman Point, Mumbai 400021 - Maharashtra**