Nexi Fintech Pvt Ltd
At Nexi Fintech Pvt Ltd, operating under the brand NexiLoans, we are committed to protecting your personal information. This Privacy and Data Protection Policy outlines how we collect, use, store, and protect your information across all digital platforms, including our website, mobile application, and official communication channels.
1. Consent and Applicability
By accessing NexiLoans services, you agree to the terms outlined in this Privacy Policy. This includes the collection, usage, and sharing of your information in accordance with applicable laws and regulations. This policy applies to current, past, and future users of NexiLoans services.
We may update this policy from time to time. Any significant changes will be communicated via our platform. Continued use after such changes constitutes acceptance of the updated policy.
2. Data We Collect
- Full name
- Date of birth
- Contact details (address, email, phone number)
- Government-issued ID (PAN, Aadhaar, etc.)
- Photographs or scanned documents
- Employment and income details
- Bank account or financial information
- Device type, IP address, app version, location, etc.
- Credit score and credit history (with your consent)
- Permissions: Camera, Storage, SMS, Location, Installed Apps
3. Purpose of Data Usage
- Identity verification and KYC checks
- Loan evaluation and processing
- Fraud detection and prevention
- Customized financial product offerings
- Legal compliance
- Customer support and user experience improvement
4. Data Sharing and Disclosure
We may share your information with authorized credit bureaus, service providers, legal/regulatory authorities, and technology partners involved in fraud detection or analytics. We do not sell or lease your personal data.
5. Data Retention
We retain your data as long as necessary or legally required. Anonymized data may be used for analytics, audits, or regulatory purposes.
6. User Rights and Control
- Access your personal data
- Request correction or deletion (subject to law)
- Withdraw consent
7. Security Practices
- End-to-end encryption
- Firewalls, secure cloud storage
- Compliance audits
- Restricted access control
Cookie Policy
1. What Are Cookies?
Cookies are small files stored on your device that help track your preferences and session activity.
2. Types of Cookies We Use
- Essential: For core functionality
- Performance: For analytics and error logging
- Functional: To store preferences
- Security: For behavior analysis and fraud prevention
3. Why We Use Cookies
- Maintain secure sessions
- Understand user behavior
- Enhance performance
- Prevent fraud
4. Managing Your Cookie Preferences
Most browsers allow you to manage cookies. Disabling cookies may affect app functionality.
5. Third-Party Cookies
We may allow third parties like analytics partners to set cookies. Their policies apply separately.
6. Cookie Policy Updates
Grievance Redressal and Contact
Grievance Officer:
Company: Nexi Fintech Pvt Ltd
Email: support@nexiloans.in
Phone: +91 9773899027
Office Hours: Monday to Saturday, 10:00 AM – 6:00 PM (IST)