Greetings from P C CHANDRAS FINANCIAL SERVICES PRIVATE LIMITED and welcome to Navi Loan. Your privacy stands as a cornerstone of our values, and we are dedicated to the meticulous safeguarding of your personal data. This Privacy Policy delineates our approach to the collection, utilization, preservation, and disclosure of your personal information, alongside our commitment to ensuring its security.

In this document, the collective reference to P C CHANDRAS FINANCIAL SERVICES PRIVATE LIMITED and Navi Loan is encapsulated in the terms "we" or "our".

We invite you to our loan service with a reassurance of our unwavering commitment to privacy. Through this policy, we aim to transparently convey our practices regarding your personal information, underscoring the rigorous protections we have implemented.


1. Permission Acquisition and Collection Protocol

For users aspiring to apply for a comprehensive loan via our application, consent must be provided to grant us access to the following device permissions:

Camera Access: The application is permitted to utilize camera functionalities to capture images or videos. This is crucial for loan applicants to furnish evidence of their identity, serving as a measure against financial fraud.

Location Services: Permission to access device location is necessary to verify the applicant's eligibility based on geographical service coverage. Loan services are not extended beyond predetermined areas, thereby necessitating location verification.

Contact List Access: The application is authorized to access and scrutinize the device's contact list. This involves checking for adherence to local regulations in India, including the validation of consecutive numbers, among other criteria, to mitigate financial fraud and credit risk.

It is important to note that all collected data will be subject to deletion upon the completion of the loan eligibility assessment, ensuring no permanent retention of such information.


2. Gathering and Utilizing Your Personal Data

The types of personal information we may collect and process include:
Personal Identifiers: Such as your full name, residential address, email, and contact number, for identification and communication.
Technical Specifications of Your Device: Including the model of your device, the operating system it runs on, and its unique identifiers, to better our products and conduct statistical research.
Operational and Error Logs: Information on your usage of our products and services, including any logs of operations and errors, to enhance our product offerings and provide support.
Location Data: With your consent to use location services, we collect information about your current location to offer and optimize services based on your geographical position.
Additional Personal Details: Any other information you provide during your use of our products and services.

Methods of Data Collection
Our methods for collecting your personal information include:
Direct submissions from you.
Automated collection during your use of our loan application.
Acquisition from third-party collaborators for identity verification and financial assessment purposes.
To safeguard against financial fraud and assess your loan eligibility accurately during the KYC (Know Your Customer) process, we require permissions related to your device, including access to your camera, photo album, and contacts.



3. Intended Use of Personal Information

Your personal information is collected and used for the following reasons:

To ensure the provision of requested products and services, and to continuously improve their quality and efficacy.
To manage and respond to your feedback or complaints, and to facilitate communication.
To extend personalized service recommendations and customized experiences.
To perform market research and statistical analyses aimed at enhancing our service offerings.
To fulfill legal and regulatory requirements, thereby protecting the rights and interests of both you and us.


4. Personal Information Sharing Controls

Your personal information remains under strict confidentiality, protected from being sold, traded, or disclosed to third parties unless such actions are predicated upon your consent or legal necessity. Should circumstances necessitate the sharing or transferring of personal data, our protocol demands strict compliance with legal standards and adherence to the principles outlined in this Privacy Policy, with effective measures deployed to secure your information.


5. Measures for the Protection of Personal Information

The safeguarding of your personal information receives our utmost attention. We adopt various technical measures and management practices to protect your personal data's safety, integrity, and confidentiality.

Data encryption technology is utilized to ensure the secure handling of your personal information.
We rigorously limit access to personal information to only those with necessary authorization, effectively managing their permissions.
Security inspections and maintenance of our information storage systems are performed regularly.
Our organization has developed a detailed privacy protection policy, providing staff with relevant training to enhance their competency in protecting user privacy.


6. Inquiries and Feedback

Should you have any questions, feedback, or concerns about this Privacy Agreement or how we handle your personal data, please do not hesitate to contact us via:
The Name of Company: P C CHANDRAS FINANCIAL SERVICES PRIVATE LIMITED
CIN: U65922WB1987PTC042798
Email: contact@pcchandras.com
Postal Address: P 24 C I T ROAD Kolkata, West Bengal, 700014 India
We pledge to address your concerns swiftly and effectively.



7. Detailed Introduction to Loan Provider

Provider Identification: P C CHANDRAS FINANCIAL SERVICES PRIVATE LIMITED
CIN: U65922WB1987PTC042798
Email Query: contact@pcchandras.com
Certificate of Registration Number: 14·05026
Address: P 24 C I T ROAD Kolkata, West Bengal, 700014 India


It's important to us that you fully understand our Privacy Agreement before using our products and services. If any aspect of this agreement raises questions, please feel free to contact us for detailed explanations.



8. Privacy Agreement Adjustments

As our practices in handling personal information evolve and as we aim to stay compliant with legal requirements, updates to this privacy agreement may be necessary. In the event of critical changes, you will be notified through suitable means to stay informed of our privacy practices.