Privacy Policy

Protecting your personal information is a central priority for PunjiLoan. This Privacy Policy explains the data we collect when you use the PunjiLoan mobile app ("App"), how that data is used, the protections we apply, and the choices available to you as a user.

By continuing to use the App, you agree to this Policy. If you do not accept any part of it, please remove the App from your device. We recommend reading this Policy together with our Terms of Service, which explains the general rules for using PunjiLoan.

2.1 Identity & Contact Details

To confirm your identity and create your profile, we collect important details such as your full name, date of birth, mobile number, email address, and information from your government-issued ID. Data is transmitted through secure, encrypted channels and stored at:

This information is used only for identity verification, account setup, and regulatory compliance. It is never shared with outside parties for commercial purposes.

2.2 Device & Technical Information

We automatically collect certain technical details from your device, including device make and model, OS version, IP address, and Google Advertising ID. This information helps keep the App reliable and the platform secure; it is never used for advertising or credit decisions.

2.3 Installed App Metadata

For security purposes, the App may collect limited metadata from other apps on your device, such as package names and install dates. This does not include app contents, passwords, or usage data. It is used only to identify security risks and has no effect on your credit standing.

2.4 Camera Access

To support document uploads, the App may request camera access. Photos are encrypted before being sent to server.PunjiLoan.com and are deleted once verification is complete. The camera is used only when you actively start it; it is never accessed in the background, and no images are kept after the process ends.

2.5 Approximate Location

With your permission, the App may collect approximate location data to check whether our services are available in your area. We do not store precise coordinates, and location information is never used for advertising, profiling, or credit evaluation.

2.6 Usage & Diagnostic Data

We collect aggregated, anonymized usage data, such as screens visited, time spent, and error logs, to improve the App experience. This data does not identify you and has no effect on credit decisions.

We process your data only for specific and legitimate purposes, including:

• Confirming your identity and checking eligibility before opening your account
• Managing your revolving credit line and processing transactions
• Detecting and preventing fraud to protect the platform
• Responding to support requests and user questions
• Improving App features, fixing bugs, and developing better services
• Meeting legal and regulatory requirements

You may deny individual permissions. Refusing a permission may limit certain features, but it will not prevent you from using the App in general. We do not collect data from permissions you have not granted.

We never sell, rent, or trade your personal data with outside parties for profit. Data is shared only when genuinely necessary and only with:

• Identity verification providers that validate the documents you submit
• Service providers that operate secure data infrastructure and processing
• Authorities or regulators when we are legally required to provide information

Every partner works under strict confidentiality obligations and must follow industry-standard security practices. They may not use your data for any purpose beyond what is required to support PunjiLoan.

We use strong safeguards through the full data lifecycle, from collection through deletion. Key measures include:

• End-to-end encrypted transmission using TLS/HTTPS
• Access controls that allow only verified personnel to view sensitive records
• Regular independent security reviews and vulnerability assessments
• Around-the-clock monitoring with automated alerts for suspicious activity

Only staff with a legitimate business need may access sensitive data, and every access is logged and auditable. No online system is completely free from risk; if you suspect unauthorized access to your account, contact us immediately at support@PunjiLoan.com.

We keep your data only for as long as needed to fulfill the purposes described in this Policy, or to comply with applicable laws and obligations, whichever period is longer.

After your account is closed and any required retention period has ended, your data is securely deleted or fully anonymized. Retention periods differ according to the type of data and the rules that apply.

PunjiLoan is intended only for users aged 18 and above. We do not knowingly collect data from anyone under 18. Our identity verification process is designed to prevent underage access.

If we learn that a minor's data has been captured, we will delete it immediately and close the related account without notice. If you believe a minor has registered on our platform, please inform us at support@PunjiLoan.com.

You have the following rights regarding personal data held by PunjiLoan:

• Access: Ask us for a copy of the personal data collected about you
• Correction: Request corrections to data that is inaccurate or outdated
• Deletion: Request deletion of your data unless legal obligations prevent us from doing so
• Withdrawal of consent: Where processing relies on consent, you may withdraw it at any time

To exercise these rights, or to ask questions about how we handle your data, contact us at support@PunjiLoan.com.

We aim to respond to valid requests within a reasonable time in line with applicable law. You may be asked to confirm your identity before we proceed.

This Policy may be updated from time to time because of changes to our services, legal requirements, or regulatory developments. For significant changes, we will notify you through the App or by email before the new version takes effect.

Small corrections or non-material edits may be made without prior notice. The date at the top of this page shows when the Policy was last changed. Continuing to use the App after any update means you accept the revised terms.

If you have questions, complaints, or requests about this Privacy Policy or the way your data is handled, our team is ready to help.