Privacy Policy
Jhalod Vikas
1Introduction: Our Commitment and Partnership
Welcome to Jhalod Vikas (hereinafter referred to as the "Platform"). We understand that your personal privacy is of the utmost importance and are committed to protecting your information security to the highest standards.
Developer: ITECKSYS SOFTWARE PRIVATE LIMITED
Lending Partner: S.B.N. LEASING AND FINANCE LIMITED (RBI-registered NBFC)
Your Consent: By using this Platform, you signify that you have read, understood, and agreed to this Privacy Policy.
Data Transfer: We will transfer user data to: https://ce.itecksyssoftware.com
2What Information We Collect and Why
To assess your loan eligibility, ensure account security, and provide seamless service, we require your authorization to collect the following information:
Phone Number
Account registration, OTP verification, and service notifications
Email Address
Secondary contact for loan agreements and important notices
Camera & Images
Identity verification (KYC) and facial recognition
Emergency Contacts
2-3 contacts for anti-fraud verification only
Device Identifiers
Account security, fraud prevention, and marketing effectiveness
Approximate Location
Service availability, risk assessment, and anti-fraud purposes
Crash Logs
Diagnosing technical issues and improving app stability
Installed Apps
Credit risk assessment and security threat identification
Device Information
App optimization and performance enhancement
3How We Use Your Information
- •Loan Approval: Credit assessment and lending partner coordination
- •Service Operations: Loan disbursement, reminders, and support
- •Security & Compliance: RBI regulations and fraud prevention
- •Product Optimization: Anonymous data analysis
4Information Sharing and Disclosure
We never sell your personal data. Information is shared only with:
- •Our Lending Partner (S.B.N. LEASING AND FINANCE LIMITED)
- •Trusted Service Providers (payment gateways, credit bureaus)
- •Legal Requirements (when mandated by law)
5Data Storage and Security
Retention: Data retained while account is active. KYC data kept for 5+ years per RBI regulations.
Security: Industry-standard encryption, strict access controls, and regular security audits.
6Your Rights
You have the right to access, correct, withdraw consent for, and request erasure of your personal information through the app settings or by contacting us.
7Contact Us
For questions about this policy:
- Website: https://www.itecksyssoftware.com
- Email: info@itecksyssoftware.com
- Hours: Mon-Fri, 10:30 AM - 6:00 PM
Response time: Within 15 working days