Privacy Policy

If you use or access the Niskha Services, or open a Niskha account, we may collect the following personal information:

• Contact information, such as your name, address, phone, email, and other similar information.
• Financial information, such as your full bank account number if you choose to use it with the Niskha Services.
• Detailed personal information, such as your date of birth or Permanent Account Number.
• Biometric information to verify your unique Aadhaar number. We do not store your biometric credentials and adhere to norms specified by UIDAI.
• Other personal information provided by third parties such as credit bureaus and identity verification services.
• Your photo or “avatar” if you choose to add one to your Niskha profile. Other users of the Niskha Services may be able to view your photo. You may remove your photo or change it at any time in your account settings.
• Information that you provide to Niskha when interacting with our customer support team or other team members via phone, email, online form, or other correspondence.
• Personal information stored with third parties that you choose to provide to Niskha, such as social media account information and your social media contacts. By linking your third party accounts or using third party sign-in services, you authorize Niskha to have access to this information and you agree that Niskha may collect and use this information in accordance with this Privacy Policy.
• Personal testimonial information or endorsements that you voluntarily provide to us and which we may display with your name on the Niskha Sites with your consent.
• We also collect the following information ('Web Browser Information') from your device when you use the Niskha Services: your IP address, the type of device you use, your device identifier, your operating system version, the type of browser you use, your location, and the URL that you came from and the next URL that you visit. If you have enabled collection of location data in the Niskha mobile application, you can turn it off within the application's settings on Android, or in your phone settings on iOS.
• Financial information, such as your full bank account number/transactional SMSes if you choose to use it with the Niskha Services.
• Niskha also collects your Location coordinates through GPS to provide you better & prompt customer service

We use your personal information to:

• Provide the Niskha Services to you.
• Notify you about your account activity.
• Process transactions and collect fees.
• Provide customer support and resolve disputes.
• Verify your identity and account information.
• Identify, prevent, and report potentially prohibited, fraudulent, or illegal activities.
• Customize and improve your Niskha experience and the Niskha Services.
• Contact you at your telephone number by voice or SMS to validate the telephone number or your Niskha account.
• Notify you about important changes to the Niskha Services and/or Niskha’s terms and conditions.
• Provide you with news, offers, and information about the Niskha Services based on your communications preferences.
• Any other purpose that we disclose to you in the course of providing the Niskha Services to you.
• Checks your eligibility for unsecured loans

Niskha shares information about you when:

• You apply for a loan
• When you are involved in a transaction with another Niskha user or a financial institution.
• With third parties to provide, maintain, and improve the Niskha Services (and not for these third parties’ own purposes), including fraud prevention, identity verification, analytics and marketing services, and financial institutions and other partners that are part of the payment process.
• With third parties upon your request. For example, you may ask Niskha to confirm your status as a Niskha user with a third party merchant.
• If we believe disclosure is reasonably necessary to comply with any applicable law, legal process, or government request; to investigate or bring legal action against someone who may be violating our rights, our terms and conditions, or the rights of others; or to protect the safety and security of Niskha, our users, or the public.
• With a third party if we are involved in a merger, acquisition, or sale of all or a portion of our stock or assets. If this occurs, you will be notified of any change to this Privacy Policy, as well as any choices you may have regarding your personal information.
• We may share aggregated, non-personally identifiable information with third parties.
• Other than as stated in this Privacy Policy, Niskha does not disclose or sell any of your personal information to third parties without your consent. Please note that third parties, such as merchants that you pay and third party websites that you visit, have their own privacy policies. Niskha is not responsible for the policies and practices of such third parties.

Cookies and web beacons are technologies that Niskha and our third party service providers use to collect Web Browser Information in order to track how the Niskha Sites and Niskha Services are used. Cookies are small data files that are stored on your computer’s hard drive and web beacons are tiny graphics embedded on web pages. These technologies allow us to: provide you with a personalized experience by recognizing you when you return to the Niskha Sites; better understand our users by tracking how they use the Niskha Services; improve the design and content of the Niskha Sites by tracking how users interact with the Niskha Sites; and identify and prevent fraudulent activity. We may link Web Browser Information to any personal information that you submit while on the Niskha Sites. Our third party service providers may use cookies and web beacons to provide analytics services to Niskha, or to serve you advertisements in connection with the Niskha Services.

The Niskha Sites include social media features that allow you to “Like” or share content on third party sites. These features may be hosted by the third party sites or the Niskha Sites, and may collect your IP address, the Niskha Site page you are visiting, and may set a cookie to enable the feature to function. You can change your browser settings to refuse cookies, but this may interfere with your use of the Niskha Sites. Third parties, with whom we partner to provide some content such as video clips, use Flash cookies which cannot be removed using your browser settings. To learn how to manage your Flash cookie preferences, visit the Flash Player Settings Manager Help page here.

This Privacy Policy does not apply to third party cookies, web beacons, social media features and widgets (such as the Facebook Like button), or other tracking technologies used by third parties. Niskha is not responsible for the privacy policies and practices of such third parties.

If you prefer not to receive promotional emails from Niskha, click on the unsubscribe link at the bottom of any promotional email that we send you to remove your email address from future promotional email campaigns.

We have security measures in place to protect your personal information, including the use of industry-standard data encryption technology and internal policies and restrictions regarding the storage of and access to your personal information. Please note that no data transmission over the Internet or method of electronic storage can be guaranteed to be 100% secure.

If your personal information changes, you can update or correct it in your account settings by logging into your account at www.niskhafinance.com.

We will retain your information for as long as your account is active or as needed to provide you the Niskha Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our terms and conditions.

The Niskha sites may offer publicly accessible blogs or community forums, which may require creation of an account with a third party. Any information you provide in these areas may be visible to the public, so we recommend that you avoid disclosing personal information. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.