Privacy Policy
Your privacy is our priority. Here's how we collect, use, and protect your personal information.
Last updated: June 2025
1. Information We Collect
We collect the following categories of personal information when you use KadaNone:
- Identity Information: Full name, date of birth, Aadhaar number, PAN number, selfie/photo.
- Contact Information: Mobile number, email address, residential address.
- Financial Information: Bank account details, income, employment details, credit history.
- Device & Usage Data: IP address, browser type, device identifiers, app usage logs.
2. How We Use Your Information
Your data is used to:
- Process and evaluate your loan application.
- Perform KYC verification via Aadhaar-based e-KYC as per UIDAI guidelines.
- Share necessary data with our partner NBFC (Sampati Securities Ltd) for loan disbursal.
- Send transactional alerts, repayment reminders, and service notifications.
- Improve our platform, products, and user experience.
- Comply with legal and regulatory obligations.
3. Data Sharing
We do not sell your personal data to third parties. We may share your information with:
- Partner NBFC: Sampati Securities Ltd — for loan processing and agreement.
- Credit Bureaus: CIBIL, Equifax, Experian — for credit assessment.
- Regulatory Authorities: As required by RBI, SEBI, or other regulators.
- Service Providers: Payment gateways, cloud infrastructure, and KYC partners under strict confidentiality agreements.
4. Data Retention
We retain your personal data for as long as your account is active or as required to fulfill our legal obligations. Loan-related records are retained for a minimum of 8 years as mandated by RBI guidelines.
5. Data Security
We implement industry-standard security measures including AES-256 encryption, SSL/TLS for data in transit, access controls, and regular security audits. However, no method of transmission over the internet is 100% secure.
6. Your Rights
You have the right to:
- Access the personal data we hold about you.
- Request correction of inaccurate data.
- Withdraw consent for data processing where legally permissible.
- Lodge a complaint with the relevant data protection authority.
7. Cookies
Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze site traffic. You can control cookie preferences through your browser settings.
8. Contact Us
For privacy-related queries or to exercise your data rights, contact our Data Protection Officer at our support page.