Scope of the Policy

This policy applies to:

• Visitors and users of our corporate websitehttps://keertanafin.in;
• Employees and authorized representatives using our internal mobile apps for customer onboarding and loan servicing;
• Customers using our digital platforms to view loan details, make payments, or manage their accounts.

Information We Collect

Depending on how you interact with our Services, we may collect the following categories of data:

• Personal and financial information
  1. Name, address, contact number, email, date of birth, and identity details;
  2. KYC documents and proof of address;
  3. Loan-related information such as loan amount, account number, repayment history, and outstanding balances.
• Device and technical information
  1. Device type, model, operating-system version, browser type, IP address, and app version;
  2. Diagnostic data, app performance metrics, and crash logs collected via Firebase Crashlytics.
• Location data
  1. Approximate or precise location (only when necessary for customer verification, mapping nearby branches, or fraud prevention).
• Media and file data
  1. Photos or images captured through the device camera for customer identification and verification;
  2. Documents or files uploaded from device storage (e.g., scanned KYC documents).
• Authentication and account data
  1. Login credentials for employees or registered customers;
  2. Security tokens or session identifiers for authenticated use.
• Cookies and similar technologies
  1. For website visitors, we use cookies and analytics tools to understand user interactions and improve our site's functionality.

How We Use the Information

We process data only for legitimate and transparent business purposes, including:

• Customer onboarding, verification, and loan account servicing;
• Enabling customers to view loan balances, repayment schedules, and transaction history;
• Facilitating secure login and user authentication;
• Ensuring regulatory and compliance reporting;
• Improving and maintaining our apps and website;
• Detecting, preventing, and investigating fraud or unauthorized activities;
• Responding to customer inquiries and support requests.

We do not sell or rent your personal information to any third party.

Sharing and Disclosure

We may share information only as necessary and in accordance with this Policy:

• With authorized Keertana Finserv personnel and affiliates who require access to fulfill operational functions;
• With banks, or financial partners as required to process or service customer loans;
• With regulators or government authorities when legally required or in response to lawful requests.

All third parties are bound by confidentiality and data-protection obligations.

Data Retention

We retain data only for as long as it is necessary to fulfill the purposes outlined above or as required by applicable law.

When data is no longer needed, it is securely deleted or anonymized.

Data Security

We use industry-standard administrative, technical, and physical safeguards to protect personal information against unauthorized access, alteration, disclosure, or destruction.

Access to sensitive data is restricted to authorized employees only, following strict internal access controls.

Your Rights and Choices

Depending on applicable law, you may have the right to:

• Access and review your personal data;
• Request correction or deletion of inaccurate information;
• Withdraw consent for specific data processing activities;
• Request a copy of your data in a portable format.

Requests can be sent to the contact address provided below. We will respond in accordance with legal requirements.

Children's Privacy

Our Services are intended for individuals above 18 years of age.

We do not knowingly collect personal information from children. If we become aware that a child’s data has been inadvertently collected, we will promptly delete it.

International Transfers

While our primary data storage and processing occur in India, we may transfer information to service providers located in other jurisdictions, subject to appropriate safeguards.

Updates to the Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page, and continued use of the Platform will constitute your acceptance of the changes. For any questions or concerns regarding this Privacy Policy, please reach out to us at contact@keertana.co.