This Privacy Policy explains how Nivedita Loan collects, uses, discloses, and protects your personal information when you use our mobile application (“App”). The loan services provided through this App are operated by NIVEDITA LEASING AND FINANCIAL SERVICES PRIVATE LIMITED, a registered NBFC in India. By downloading, accessing, or using the App, you agree to the practices described in this Privacy Policy.
NIVEDITA LEASING AND FINANCIAL SERVICES PRIVATE LIMITED
Address: 1 Mullick Street, 4th Floor, Kolkata, West Bengal, India – 700007
CIN: U70101WB1996PTC081074
Certificate of Registration Number (NBFC): B-05·0646
Email: support@niveditaleasing.com
Phone: +91 9109516796
We collect and use your data for identity verification, credit evaluation, loan processing, and regulatory compliance.
This may include your name, age, date of birth, Aadhaar or PAN details, contact number, email address, and residential address. This information is necessary to verify your identity and fulfill mandatory KYC requirements as per Indian laws.
This includes bank account details, employment and income information, repayment history, and credit score. This information allows us to assess loan eligibility, process disbursements, and manage repayments.
To ensure proper functionality and security of the App, certain permissions may be requested from your device, including access to camera, photos or files, location, contacts, and device identification details. These permissions support fraud prevention, document verification, and secure account management.
Users may choose to disable permissions from their device settings, though doing so might restrict access to certain App services.
All personal loans facilitated through this App are issued directly by NIVEDITA LEASING AND FINANCIAL SERVICES PRIVATE LIMITED, a licensed NBFC operating under Reserve Bank of India regulations. All lending operations strictly follow RBI guidelines.
We apply strict security measures including data encryption, secure transmission technologies, and controlled access, ensuring personal and financial data remains protected from unauthorized access or misuse.
We may share your information only under lawful and necessary circumstances, such as:
When required by regulatory or legal authorities
With authorized credit bureaus
With verified partners for fraud prevention and verification
With collection agencies if repayment obligations are not met
With your explicit consent where required
Your information is never sold to third parties for marketing purposes.
We retain personal information only as long as needed to:
Provide loan services
Meet regulatory and legal requirements
Manage disputes and enforce agreements
After the required retention period, your information will be securely erased or anonymized.
You have the right to access, correct, or update your personal information.
You may also request deletion of your data, subject to regulatory guidelines.
You may withdraw consent for optional processing where legally permissible.
To exercise these rights, please contact: support@niveditaleasing.com
We may revise this Privacy Policy periodically.
When updated, changes will be posted within the App. Continued use of the App after such changes indicates acceptance of the revised terms.
NIVEDITA LEASING AND FINANCIAL SERVICES PRIVATE LIMITED
1 Mullick Street, 4th Floor, Kolkata, West Bengal, India – 700007
Email: support@niveditaleasing.com
Phone: +91 9109516796