Privacy Policy

1. Platform Overview and Service Model

PokketLoanCredit is a mobile platform operated by Pokket Finserv Private Limited. PokketLoanCredit serves as a digital platform that allows users to access and manage credit-related services in a convenient manner.

Through PokketLoanCredit, users may provide required information, check eligibility for a credit facility, and review account updates within the platform.

Eligible users may receive an approved credit limit. Within this limit, funds may be accessed in one or multiple withdrawals depending on the user's needs and the applicable terms.

2. Purpose and Principles of Information Processing

Information collected through PokketLoanCredit is processed only to the extent necessary to support the operation of the platform and the delivery of credit-related services.

The primary purposes include:

• Enabling users to request and manage access to an approved credit facility
• Supporting identity verification and account authentication
• Assisting the lending partner in evaluating credit eligibility
• Protecting the platform against fraudulent or unauthorized activity
• Maintaining system reliability and improving service performance
• Complying with applicable legal and regulatory obligations

Information is not collected or processed for purposes unrelated to the services offered within PokketLoanCredit.

3. Categories of Information Collected

User-Provided Information

When creating an account or requesting access to a credit facility, users may voluntarily provide certain personal and financial details. This may include identity information, contact details, employment indicators, income-related information, banking details, and other data required to complete eligibility assessments.

Financial Signals for Credit Assessment

With the user's permission, limited financial signals may be analyzed to help the lending institution better understand financial patterns relevant to credit evaluation. Credit-related information may also be obtained from authorized credit bureaus where required.

4. Device Permissions and Feature Access

Some PokketLoanCredit features require temporary access to device capabilities. Permissions are requested only when required for a specific function.

Camera Access

The camera may be used during onboarding to capture images of identification documents or to complete identity verification procedures required by the lending partner.

Approximate Location

Approximate location data may be used to confirm that services are available in the user's region and to support fraud prevention and security monitoring.

SMS-Based Financial Signals

With user consent, PokketLoanCredit may analyze limited financial SMS alerts (such as bank transaction notifications) to assist the lending partner in evaluating income consistency and repayment capacity.

PokketLoanCredit does not access personal conversations, OTP messages, or unrelated SMS content.

5. Technical and Usage Information

To maintain service stability and ensure secure operation of the platform, certain technical data may be collected automatically. This may include:

• Device model and operating system version
• PokketLoanCredit interaction events
• Network information such as IP indicators and session timing

This information is used exclusively for diagnostics, security monitoring, and performance improvement.

6. Third-Party Service Providers

PokketLoanCredit may rely on trusted service providers to support certain operational functions including hosting infrastructure, analytics tools, fraud prevention systems, and customer support services.

These providers are granted access only to the information necessary to perform their designated roles and are required to follow strict confidentiality and data protection standards.

Third-party integrations within PokketLoanCredit are not used for advertising profiling or unrelated marketing purposes.

7. Information Sharing

Information collected through PokketLoanCredit may be shared only under limited and controlled circumstances:

• With our lending partner, for the purpose of evaluating credit eligibility and administering approved credit facilities
• With authorized service partners supporting infrastructure, verification, analytics, or operational services
• With regulators, government authorities, or law enforcement agencies where disclosure is required by law

Personal information is not sold or shared for independent commercial use.

8. Data Security and Protection

Reasonable administrative, technical, and organizational safeguards are implemented to protect personal information from unauthorized access, misuse, alteration, or loss.

Security measures may include encrypted data transmission, restricted system access, and monitored infrastructure environments designed to protect sensitive information.

9. Data Retention

Information is retained only for the period necessary to support platform services, maintain account functionality, or comply with legal and regulatory requirements.

Where continued storage is not required, information will be securely removed or anonymized in accordance with internal data management practices.

Certain records may be retained for longer periods if required for regulatory compliance, audit processes, or dispute resolution.

10. User Rights

Users may request access to their personal information, request corrections, or ask for deletion of certain data where permitted by applicable law.

Requests can be submitted through the support channels provided within PokketLoanCredit or via the contact information listed below.

Some records may be retained after account closure where retention is required by regulatory standards.

Contact Information