INTRODUCTION

Welcome to AadharSathi (including www.aadharsathi.com and the mobile app). Your privacy and data security are our highest priority.

1. Scope & Consent

By using our Website or App and registering your details, you consent to this Privacy Policy and the purposes stated below. We collect and process only necessary personal data to offer, improve, and secure our services.

2. What Data We Collect

• Identity & Financial Data: Name, contact details, date of birth, PAN, Aadhaar (if permitted), employment and income information, bank account and statement, and credit information sourced from authorized registries (e.g., UIDAI, NSDL, credit bureaus) with your consent.
• Device Permissions: Location, camera, microphone, storage, SMS (with consent only), and phone state—used strictly for KYC, verification, and personalized service delivery.
• Usage & App Data: Interaction logs, IP address, browser and app usage stats, and analytics data to improve user experience.

3. Why We Collect It (Purpose)

• To comply with KYC, AML, and regulatory requirements.
• To assess your eligibility and process loan applications.
• To communicate about your application, payment schedules, or service updates.
• To enhance app/website functionality and user experience.
• To prevent fraud and improve service delivery.
• To send promotional content, based on your consent.

4. How We Collect Data

• You provide it during onboarding, form submission, or via support channels.
• We collect analytics via cookies and log files.
• Third-party sources (with your consent), such as registries or social accounts, contribute additional data.

5. Sharing Your Data

We may share your data with:

• Our lending, NBFC, and verification partners—only as needed to provide services.
• Authorized collection agents (if required), under strict confidentiality.
• Regulatory or law enforcement authorities, when legally required.
• In case of mergers or sale, in anonymized form where possible.

6. Your Rights Under Indian Law

In line with the DPDP Act, you have the right to:

• Access the personal data we hold about you.
• Request corrections if any data is inaccurate or incomplete.
• Erase data when it's no longer required for the original purpose, unless retained for legal reasons.
• Withdraw consent at any time; we will stop processing personal data not needed for legal or service obligations.
• Raise a grievance with us; we honor complaint resolution in line with applicable regulations.

7. Data Retention & Deletion

We retain your data only as long as necessary for service delivery and legal compliance. If you request deletion, and no obligation prevents it, we’ll erase your data within a reasonable time, subject to legal and regulatory mandates.

8. Security & Confidentiality

We follow industry-standard safeguards—encryption, access controls, and secure server storage—to protect your data. While we strive for robust security, absolute guarantees are not possible. You must also protect your login credentials.

9. Cookies & Tracking

We use cookies, log files, and analytics tools to understand usage patterns, personalize experiences, and improve our services. You can manage or disable cookies from your browser, though this may affect functionality.

10. Third‑Party Content & Links

Our Website or App may include links or content from third-party sites. These are governed by their own privacy policies, and AadharSathi assumes no liability for their practices.

11. Grievance Redressal Officer

If you have concerns or complaints, contact us at support@aadharsathi.com.
Name: Bhaskar Nair
Address: Sathi D-11/84 ground floor sector-7, Rohini, Delhi 110085

12. Policy Updates & Effective Date

We may revise this policy to comply with changes in law or business practices. Updates will take effect from the date posted on this page.

Effective Date: September 7, 2024