Nachiyar Gold Finance ("Company", "we", "our", or "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App") and our gold loan services.

1. Information We Collect

We may collect the following information:

• Name
• Mobile Number
• Email Address (if provided)
• Residential Address
• Identity and Address Proof (where applicable)
• Gold Loan Account Details
• Loan Amount and Repayment Information
• Payment History
• Transaction Records
• Device Information
• Application Usage Information

2. How We Use Your Information

Your information is used for the following purposes:

• Processing and managing gold loan applications.
• Maintaining customer loan records.
• Managing loan repayments and outstanding balances.
• Providing customer support.
• Sending repayment reminders and service notifications.
• Improving our mobile application and services.
• Meeting regulatory and legal requirements.
• Preventing fraud, unauthorized access, and financial misuse.

3. Firebase Services

Our application may use Google Firebase services for secure authentication, cloud database, cloud storage, push notifications, crash reporting, analytics, and application performance monitoring.

These services may collect certain technical information in accordance with Google's Privacy Policy.

4. Permissions Used

The App may request permissions such as:

• Internet Access
• Camera (for capturing KYC documents or pledged gold images, if applicable)
• Storage Access (for uploading or downloading documents)
• Notification Permission

Permissions are requested only when necessary for providing specific application features.

5. Data Sharing

We do not sell or rent your personal information. Your information may be shared only:

• With authorized employees of Nachiyar Gold Finance.
• With trusted service providers supporting our application and loan services.
• With banks, payment partners, or regulators where legally required.
• When required by applicable law, court orders, or government authorities.

6. Data Security

We implement appropriate administrative, technical, and physical safeguards to protect your personal information against unauthorized access, misuse, disclosure, alteration, or destruction.

7. Data Retention

We retain customer information for as long as necessary to provide our services, maintain loan records, comply with financial regulations, resolve disputes, and fulfill legal obligations.

8. Children's Privacy

Our services are intended only for individuals who are legally eligible to obtain financial services. We do not knowingly collect personal information from individuals under 18 years of age.

9. Your Rights

You may request to:

• Access your personal information.
• Correct inaccurate or incomplete information.
• Request deletion where permitted by applicable laws.
• Withdraw consent where legally applicable.

10. Third-Party Services

Our application may use trusted third-party services such as Google Firebase, payment gateways, SMS providers, cloud hosting services, and analytics tools required to provide secure financial services.

11. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will become effective immediately upon posting the updated Privacy Policy within the application or on our website.

12. Contact Us

If you have any questions regarding this Privacy Policy, please contact:

Nachiyar Gold Finance
Address: 221/1, 8 No Main Road,Suppaiya Complex,Sankarankovil,Tirunelveli-627756,Tamil Nadu
Email: icloudsoftware2025@gmail.com
Phone: +91-9095909311