This Privacy Agreement ("Policy") describes the information “Branch: Personal Loan App” collects about users and how we use and share that information. This Agreement applies to information we collect when you register with “Branch: Personal Loan App”, access or use our mobile applications, products and services, or when you otherwise interact with us.
Before clicking to accept this agreement, you should read this agreement carefully. Make sure you have read and fully understood each chapter.
By accessing and using the services provided by this application, you are deemed to have read and agreed to obtain personal information from your device through this application.
Unless otherwise defined, all capitalized terms used in this Privacy Agreement shall have the same meanings ascribed to them in our Terms of Use (as applicable)
We gather specific Personal Information from you. Such information may be supplied by you in person—such as when you create an account to utilize the Service through the App, or at any other time when you impart Personal Information to us—or it may be obtained from third parties, or it may be automatically collected when you engage with the App. Our collection of information can take various forms and serve a variety of purposes, including those allowed under Applicable Law.
3.1 When you register the account
When you register for the Service, we will collect your information such as (1) GPS Location; (2) Calendar; (3) Device information; (4)Contact List
3.2 When you use the App or use our Website
Whenever you use the App or visit our Website, we may collect certain technical data concerning your usage such as, internet protocol (IP) address, information as web pages previously or subsequently viewed, duration of every visit/session, the internet device identity (ID) or media access control address, and also information regarding the manufacturer, model and operating system of the device that you use to access the App or our Website.
3.3 Collect information from third parties
In delivering our services, we collaborate with various third-party partners, including credit reference agencies, financial institutions, mobile network operators, debt collection agencies, affiliates, vendors, contractors, and other service providers. We may receive your personal information from these partners strictly for purposes relevant to our cooperation or their authorized functions. We take reasonable steps to ensure that such third parties have secured the necessary consents to share your information with us, in accordance with this Privacy Policy and applicable legal requirements.
3.4 Access other permissions with your consent
GPS Location
To provide you with safer and more accurate financial services, we will collect and use your device's geolocation (GPS) information only after obtaining your explicit authorization. This information will be strictly used for the following purposes: assisting in identity verification and anti-fraud detection, supporting credit assessment and risk control, providing localized product information recommendations, and fulfilling compliance obligations required by relevant laws and regulations.
We promise not to continuously track or record your whereabouts. All location information will be encrypted and securely stored and used in accordance with this Privacy Policy and relevant legal requirements, and will not be used for any other purpose not stated.
Calendar
To provide you with more convenient repayment management and financial reminder services, we will access your device's calendar information with your explicit consent. This permission is primarily used for the following purposes: intelligently setting repayment reminder dates, syncing billing cycles to your personal calendar, pushing personalized repayment notifications, and assisting you in planning your personal financial schedule.
We promise to only read and write schedules related to your confirmed repayment plan and will not view, store, or share other personal arrangements in your calendar. All related data will be securely processed and protected in strict accordance with our privacy policy and applicable legal requirements.
Device Information
To protect your account security, optimise your service experience, and fulfil our legal obligations, we may collect your device information when necessary. This information may include device model, operating system version, unique device identifiers (such as IMEI/Android ID/IDFA), network type, IP address, and device operating status.
The collection of device information is primarily for the following purposes: identifying and preventing fraud and risky activities, ensuring the security of the transaction environment, adapting and optimizing application functions, diagnosing system faults and improving performance, and meeting compliance requirements of relevant laws and regulations.
All information will be encrypted or anonymized in accordance with our privacy policy and will be stored and used to the extent permitted by law.
Contact List
To complete necessary identity verification and anti-fraud detection, we will access your device's contact information only after your explicit authorisation. This permission will be strictly used for the following purposes: assisting in identity verification using the emergency contact information you provide, assisting in repayment reminders when necessary, and preventing potential fraud risks to protect your account security.
All information obtained will be encrypted or anonymised, and will be securely deleted or anonymised after verification, strictly complying with privacy policies and relevant laws and regulations.
To identify you and to register you as a user and to administer, manage, or verify your Account and your credit conditions.
To communicate with you and to send you information in connection with the use of the App.
To facilitate or enable any checks as we may, in our discretion, consider necessary before we register you as a user.
To disburse Loans and collect payments for your use of the Service.
To build credit models and perform credit scoring.
To reach out to you via telephone, utilizing auto-dialled calls or pre-recorded messages, as well as text (SMS) messages (where permitted), in line with the purposes outlined in this Privacy Policy and the Terms of Use.
To comply with Applicable Law, regulations, and rules such as those relating to “know-your-customer” and anti-money laundering requirements.
To send you direct marketing communications and information on special offers or promotions.
To notify you of any updates to the App or changes to the Service (including interest rates, Transaction Fees, etc.).
To process and respond to inquiries and feedback received from you.
To maintain, develop, test, enhance, and personalize the App to meet your needs and preferences as a user.
To monitor and analyze user activities and demographic data, including trends and usage of the Service available on the App.
We will retain your personal data only for the period necessary to fulfill the purposes described in this Privacy Policy. Although you have the right to request the deletion of your personal information, we may continue to retain and use such data where required to comply with legal obligations, resolve disputes, enforce our agreements, or safeguard the security and integrity of our services. Usage data is typically retained for shorter durations, except where extended retention is necessary for purposes such as enhancing security, improving service performance, or meeting legal and regulatory requirements.
We implement a range of physical and technological security measures to protect your data from unauthorised disclosure, alteration, or loss. All personal data we collect is stored on secure servers with robust protections in place. Our security systems align with industry standards, and we are continuously committed to improving our security infrastructure. Regular testing is conducted to ensure the effectiveness of our safeguards at all times.
Please note that no technical method can guarantee absolute security, and we cannot assure complete immunity from risks such as unauthorised access, hardware or software failures, or other potential vulnerabilities. In the event that your personal data is unlawfully accessed or misused by third parties despite our efforts, we will take all reasonably necessary steps to mitigate the impact and comply with applicable legal obligations.
Your personal data may be processed and stored at our operational facilities or in locations where our service providers are based. This means your information may be transferred to and maintained on servers located outside your jurisdiction, where data protection laws may differ from those of your home country. By accepting this Privacy Policy and providing your information, you consent to such transfer. We will take all reasonably necessary steps to ensure that your data is treated securely and in accordance with this policy, and will not transfer personal data to any organisation or country without ensuring adequate data protection controls are in place.
We utilise a range of technologies for data collection, which may include the placement of cookies on your computer or mobile device. Cookies are small text files stored on your hard drive or in device memory that help our website recognise your browser, remember your preferences and account settings, maintain the security of our registration processes, and compile aggregated statistics regarding user activity on our platform.
The data collected through our cookies is encrypted to prevent access by unauthorised third parties and is not shared with other platforms. You can manage or disable cookies through your browser settings; however, please note that limiting or refusing cookies may affect the functionality and user experience of certain services.
Our Service might include connections to other websites and Apps that are not managed by Us. Clicking on such third-party links will take you to their respective sites. We have no control over and do not accept accountability for, the content, privacy policies, or practices of any third-party sites or services.
We may send you marketing and promotional messages through various channels, including mail, phone, SMS, email, online chat, and in-app notifications. These communications may feature exclusive benefits, special promotions, events, or updates about our App and services.
You can unsubscribe from these marketing communications at any time by using the opt-out link included in each message or by contacting us directly. Please note that opting out of promotional messages will not affect our ability to send you important transactional communications, such as loan disbursement confirmations, repayment receipts, and essential account notifications.
You expressly acknowledge and agree that neither we nor our directors, officers, employees, representatives, or service providers shall be held liable for any direct, indirect, incidental, special, consequential, or punitive damages—including but not limited to loss of profits, reputation, data, or other intangible losses—arising from or related to:
Your use of or inability to use the Services;
Unauthorized access to or alteration of your personal information;
Disruptions in platform availability or service delivery;
Delays, failures, or interruptions in providing the Services or platform access;
Any act, omission, or performance related to the Services;
Damage to or viruses infecting your electronic devices or property as a result of using the Platform or downloading its content;
Server failures or other technical issues affecting the Services.
This limitation of liability applies even if we have been advised of the possibility of such damages.
We reserve the right to periodically review and revise this Privacy Policy at our discretion to reflect changes in our business operations, technological developments, and evolving legal or regulatory requirements. Should any updates be made to this Privacy Policy, we will notify you by posting a prominent notice on the App and/or Website or by sending an email to the address associated with your account. You are responsible for reviewing the Privacy Policy periodically to stay informed about how we collect, use, and protect your information.
Your continued use of the App or Website, ongoing communication with us, or access to and utilisation of our Services following the posting or notification of any changes to this Privacy Policy will constitute your acknowledgement and acceptance of such updates.
Our users' privacy is very important to us. We are committed to safeguarding the information entrusted to us and will continually update this policy to ensure that users’ rights regarding personal information are respected. If you have questions or comments about this Privacy Policy, please contact us at support@bhagwandas.com.