This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use the Service and tells you about your privacy rights and how the law protects you. We use your Personal Data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Privacy Policy:
Account means a unique account created for you to access our Service or parts of our Service.
Application/App refers to Aario Wallet, the software program provided by the Company.
Company (referred to as either "the Company", "we", "us" or "our" in this Agreement) refers to Nimisha Finance India Pvt. Ltd., B 1/7, Sector 1 Jankipuram Extension, Lucknow Lucknow Lucknow UP 226021
Device means any device that can access the Service such as a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the service we provide on the Application.
We will precisely ask for your permission to obtain the required information before we collect it, the decisions of whether to provide it or not and which part to provide are for yourself to choose. If you have concerns about your data we collect, you are welcomed to contact our customer center to delete your personal information anytime. However, this will limit the original functions of the Service.
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:
Phone number
Email address
First name and last name
Address
Selfie photo
PAN card photo
Bank account number
Additionally, through your loan application process, we will also require your Personal Data from your phone for you to use the platform more smoothly and securely, e.g., SMS, device data, and camera permission. The details of the Personal Data requirements will be interpreted below, and we only acquire the data that is related to the use of our Service.
SMS
We collect your SMS texts from your inbox into our server, it helps us identify the various Accounts you hold and the cash flow patterns you have as a user, determine your risk profile and provide you with appropriate credit analysis that enables you to obtain financial convenience from us. Specifically, we monitor the name of the sender, the date, and the amount of transaction, the procedure of accessing to your SMS is for giving you a faster and smoother loan experience. We operate the function by mechanic analyzation; therefore, we don’t monitor your personal text messages in any ways. Moreover, we will only collect the data after you agree to the access, and the process of uploading will also be visible to our users. Your SMS data will be transmitted confidentially and encrypted on our server: https://www.aario-wallet.com/ .
Location
We collect the location data from you by your mobile Device when enabled by you to do so, it is to ensure your loan qualification since the applicants should be located within the border. We collect this data when our App is running in the background of your mobile Device. You will not be able to use the App if you disable the location services.
Camera
We require your camera access to let you capture and submit documents for KYC process of your loan application. The purpose of acquiring this access is not only to make your procedures more efficient, but also to verify your identity and prevent others from stealing your personal information to commit loan fraud.
Calendar
We request your consent to access your calendar for the purpose of confirming your creditworthiness as part of our risk control process. By granting this permission, we can analyze your calendar data and provide a more comprehensive loan analysis score. Please be aware that if you choose to disable this permission, it may have an impact on your loan eligibility. We take your data privacy seriously, and your information will only be collected once and with your permission.
We use this information to provide features of our Service, to improve and customize our Service. The information may be uploaded to the Company's servers and/or it may be simply stored on your Device. You can enable or disable access to this information at any time, through your Device settings. https://www.aario-wallet.com/ is the official website and domain of Aario Wallet, we use it as a medium to announce the information our customers might want to know about, and to make our customer service easily reachable. Your data will also be transferred and uploaded confidentially to the domain server over a secure connection (https). All transmissions are protected by 512-bit SSL encryption.
- The Company may use Personal Data for the following purposes:
To provide and maintain our Service , including to monitor the usage of our Service.
To manage your Account: to manage your registration as a user of the Service. The Personal Data You provide can give you access to different functionalities of the Service that are available to you as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services you have purchased or of any other contract with us through the Service.
To contact you: To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.
To manage your requests: To attend and manage your requests to us.
For business transfers: We may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by us about our Service users is among the assets transferred.
- We may share your personal information in the following situations:
For business transfers: We may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company.
With affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
With business partners: We may share your information with our business partners to offer you certain products, services or promotions.
With your consent : We may disclose your personal information for any other purpose with your consent.
The Company will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
You have the right to delete or request that we assist in deleting the Personal Data that we have collected about you. Our Service may give you the ability to delete certain information about you from within the Service. You may contact us to request access to, correct, or delete any personal information that you have provided to us. Please note, however, that we may need to retain certain information when we have a legal obligation or lawful basis to do so.
If the Company is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.
Under certain circumstances, the Company may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The Company may disclose your Personal Data in the good faith belief that such action is necessary to:
Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of users of the Service or the public
Protect against legal liability
The security of your Personal Data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from anyone under the age of 18 without verification of parental consent, we take steps to remove that information from our servers.
To enhance our App's functionality and provide personalized content, we use third-party SDKs such as AppsFlyer and Amazon Web Services to collect specific information from your Device. This data may be shared with third-party service providers to assist us in analytics, marketing, and data protection objectives. Our service providers are obligated by contract to protect your data and only use it for the disclosed purposes.
We value your privacy and take all necessary measures to safeguard your data. By disclosing our use of third-party SDKs in this Privacy Policy, we aim to provide you with transparency and enable you to make informed decisions regarding your data privacy. By using our App, you are consenting to the collection and use of your data as outlined in this Privacy Policy.
Links
to Other Websites
Our Service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third-party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions or comments about this Privacy Policy, you can contact us:
Nimisha Finance India Pvt. Ltd.
Email: [email protected]
Post address: B 1/7, Sector 1 Jankipuram Extension, Lucknow Lucknow Lucknow UP 226021