Privacy Policy
Effective Date: 08 January 2026
This Privacy Policy explains how we collect, use, store, and protect your information when you use the Loan Management System (LMS) application. By using this App, you agree to this Privacy Policy.
Information We Collect
Personal Information
We may collect your name, mobile number, email address, identity details, and address information. This information is required only to provide loan-related services and customer support.
Location Information
Location data may be collected only to verify user identity, eligibility, or compliance requirements. Location access is used only while the app is active. We do not track users in the background.
Images and Documents
We may collect images of identity documents (e.g., Aadhaar, PAN) and photos for KYC verification. These are stored securely and used only for verification purposes.
Device Information
We may collect device identifiers, operating system details, and app usage data to improve performance and security.
Financial Information
Bank account details, loan history, and transaction data are collected to process loans and manage repayments.
How We Use Your Information
- To process loan applications and manage repayments
- To verify your identity and comply with legal requirements
- To communicate updates, notifications, and customer support
- To improve app functionality and user experience
- To detect and prevent fraud or unauthorized activities
Data Sharing and Disclosure
We do not sell your personal information. However, we may share data with:
- Service Providers: Third-party vendors who assist in app operations (e.g., payment gateways, cloud storage)
- Legal Authorities: When required by law or to protect our rights
- Credit Bureaus: To assess creditworthiness and report loan repayment history
Data Security
We implement industry-standard security measures to protect your data, including encryption, secure servers, and access controls. However, no system is completely secure, and we cannot guarantee absolute security.
Data Retention
We retain your data as long as necessary to provide services, comply with legal obligations, or resolve disputes. You may request data deletion, subject to legal and operational limitations.
Your Rights
You have the right to:
- Access, update, or delete your personal information
- Withdraw consent for data collection (may affect app functionality)
- Request a copy of your data
- Lodge a complaint with relevant authorities
Permissions Required
The App may request the following permissions:
- Camera: To capture identity documents and photos
- Location: To verify user location for compliance
- Storage: To save documents and images
- Contacts: To facilitate loan references (optional)
- SMS: To auto-read OTPs for verification
Users may request access, correction, or deletion of their personal data, subject to legal and operational limitations. Some app features may not function if required permissions are withdrawn.
Children's Privacy
This App is not intended for users under the age of 18. We do not knowingly collect data from minors.
Policy Updates
This Privacy Policy may be updated from time to time. Continued use of the App indicates acceptance of the revised policy.
Contact Information
App Name: Loan Management System
Email: codeplusetech@gmail.com
Phone: +91 9840697692