Privacy Policy

1. Information We Collect

To provide our financial services and grant membership as per the Nidhi Rules, 2014, we collect the following types of information:

• Personal Identification Data: Name, Date of Birth, Gender, and Photograph.
• KYC Documents: Aadhaar Card, PAN Card, Voter ID, or Passport details as mandated by regulatory authorities.
• Contact Information: Residential address, email address, and phone numbers.
• Financial Data: Bank account details, transaction history, and income details required for loan processing.

2. How We Use Your Information

We use your data strictly for legitimate business purposes, including:

• Processing your membership application.
• Evaluating and processing your requests for Gold Loans, Property Loans, and Deposit accounts.
• Complying with statutory requirements set by the Ministry of Corporate Affairs (MCA) and the Reserve Bank of India (RBI).
• Communicating with you regarding your accounts, policy updates, or promotional offers.

3. Data Sharing and Disclosure

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

• Legal & Regulatory Compliance: With the MCA, RBI, Income Tax Department, or law enforcement agencies when legally obligated.
• Service Providers: With trusted third-party vendors (like SMS gateways or IT hosts) who operate under strict confidentiality agreements to help us provide our services.

4. Data Security

We implement robust technical and organizational measures to protect your personal and financial data against unauthorized access, alteration, disclosure, or destruction. However, please note that no method of transmission over the internet is 100% secure.

5. Contact Us

If you have any questions or concerns regarding this Privacy Policy or your personal data, please contact us at: