1. Welcome to NimCredit
At NimCredit, safeguarding your personal information is a core commitment. This Privacy Policy outlines how we collect, utilize, and secure your data when you interact with our mobile application (referred to as “the App”).
By continuing to use the App, you acknowledge and agree to the practices outlined below. Please take a moment to review them.
2. Terminology
Any capitalized terms used here carry the same meaning as defined in our [Terms of Use]. If you have any questions or uncertainties, feel free to contact us directly.
3. Information We Collect and Why
To provide secure and personalized financial services, we gather specific categories of data. All collected data is encrypted and securely stored at: 🔐 https://server.nimcredit.com
We may collect the following types of information:
- Personal Details
Including your name, gender, contact number, PAN, income information, and address. These details are
primarily used for identity validation and credit assessment.
- Device Information
We collect data such as device type, OS version, unique device ID, connectivity status, and Wi-Fi
details to help ensure that the device being used is secure and uncompromised.
- Approximate Location
Used to verify whether our services are available in your current region.
- Application Usage Patterns
We analyze your installed apps (excluding system apps), update behavior, and version history to better
understand your financial profile and refine credit analysis models.
4. How We Use Your Information
The data we collect is used strictly for service delivery, legal compliance, and fraud protection. Specifically, we may use your information to:
- Verify your identity and manage risk
- Create and maintain your user account
- Send service notifications and product updates
- Assess your credit profile and eligibility
- Meet KYC and AML regulatory requirements
- Provide customer service and respond to inquiries
- Enhance app functionality and tailor user experience
5. Data Retention
Your personal data is retained only for the duration necessary to provide our services or to fulfill legal obligations.
You may request deletion of your account or data at any point. However, certain data may be preserved to comply with audit requirements, dispute resolution, or legal obligations.
Aggregated or anonymized data may be kept for analytical and product improvement purposes.
6. Security of Your Data
We implement a multi-layered security strategy — including technical safeguards, administrative controls, and physical protections — to keep your information secure.
Our systems undergo routine monitoring and updates to protect against unauthorized access. While no system is infallible, we are committed to maintaining the highest possible level of data security.
7. Updates to This Policy
This Privacy Policy may be updated periodically to reflect changes in laws, regulations, or features.
Significant changes will be communicated through in-app messages or email notifications.
We encourage you to review this page regularly. Continued use of the App signifies your acceptance of any updates.
8. Contact Us
Have privacy-related questions or need assistance? We’re here to help.
📧 Email: support@nimcredit.com
By using NimCredit, you confirm that you’ve read, understood, and agreed to the terms of this Privacy Policy and how your data will be processed.