Privacy Policy for NexCred

Effective Date: 10th OCT 2024

1. Introduction

NexCred (hereinafter, “NexCred” or “we”) maintains this website, i.e., www.nexcredloan.com (hereinafter, “Site”). By availing of any service / credit facility being provided by “NexCred” directly or indirectly including by utilizing the Site (collectively, “Services”), you have agreed to each and all of the terms and conditions of this privacy policy (hereinafter, “Privacy Policy”) as set forth below and waive any right to claim ambiguity or error in the same.

At NexCred, we prioritize your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal loan services. By using our app and services, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

We collect personal information that you provide to us directly, including but not limited to:

• Identification Information: Name, date of birth, and address.
• Contact Information: Email address and phone number.
• Financial Information: Income details, bank account information, Social Security number (or equivalent identification).
• Loan Application Details: Information related to your loan application, such as loan amount requested and repayment preferences.

2.2 Non-Personal Information

We may also collect non-personal information automatically, such as:

• Device Information: IP address, device type, operating system, and browser type.
• Usage Data: Information about how you use our app, including pages visited and time spent on the app.

3. How We Use Your Information

We may use the information we collect for various purposes, including:

• To process and manage your loan applications.
• To verify your identity and assess your creditworthiness.
• To communicate with you regarding your account and loan status.
• To provide customer support and respond to inquiries.
• To improve our services and user experience.
• To comply with legal obligations and regulations.

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information with third parties in the following situations:

• Service Providers: We may share your data with trusted service providers who assist us in operating our business, such as payment processors and customer service providers.
• Legal Compliance: We may disclose your information when required to do so by law, or in response to valid requests by public authorities (e.g., court orders, subpoenas).
• Business Transfers: If NexCred is involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.

5. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, please note that no method of transmission over the internet or electronic storage is 100% secure.

6. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access your personal data.
• The right to request correction of inaccurate data.
• The right to request deletion of your personal information.
• The right to object to or restrict the processing of your data.

7. Third-Party Links

Our app may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

8. Children’s Privacy

NexCred does not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected such information, we will take steps to delete it.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Any changes will be posted on this page, and we will notify you of significant changes by updating the effective date at the top of this policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at:

• Email: support@nexxcredloan.com