ByajKhata

1. Introduction

ByajKhata (“we”, “our”, or “us”) is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our loan management application.

2. Information We Collect

We collect the following types of information:

• Personal Information: Full name, mobile number, and address of vendors, agents, and borrowers.
• Financial Information: Loan records, repayment history, and payment entries.
• Payment Information: UPI transaction IDs submitted for verification (we do not store card or bank credentials).
• Device Information: Browser type, device type, and IP address for security purposes.

3. How We Use Your Information

• To manage loan records and payment tracking for vendors and agents.
• To calculate interest, agent commissions, and generate loan statements.
• To send notifications about loan updates and payment confirmations.
• To verify identity and prevent fraudulent entries.
• To improve our services and user experience.

4. Data Sharing

We do not sell, rent, or trade your personal information to third parties. We may share your data only in the following circumstances:

• With registered vendors and their assigned agents who manage loan accounts.
• With payment service providers (UPI platforms) solely for payment processing.
• When required by law, court order, or government authority.

5. Data Security

We use industry-standard security measures including encrypted data transmission (HTTPS), secure MPIN-based authentication, and row-level security policies on our database. Your data is stored on secured cloud servers with strict access controls.

6. Data Retention

We retain your personal information for as long as your account is active and for a minimum of 7 years thereafter as required by financial regulations and for resolving disputes. You may request deletion of your account by contacting us.

7. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate data.
• Request deletion of your account (subject to legal obligations).
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us using the details on our Contact page.

8. Cookies

We use session cookies to maintain your login state and secure your session. We do not use tracking or advertising cookies.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page and updating the “Last updated” date.

10. Contact Us

For any privacy-related queries, please visit our Contact page.