NAVI FINSERV LIMITED
CASH LOAN PRIVACY POLICY
PLEASE READ THIS POLICY CAREFULLY
Last Updated on Jun 3rd, 2025
This privacy policy (“Navi Finserv Cash Loan Privacy Policy” or “Policy”) explains how Navi Finserv Limited (“our”, “us”, “we”, Company”), and other partner banks and financial institutions (“Co-Lending Partner”) collect, store, use, transfer and otherwise process your personal data, in connection with or related to providing you the Navi Finserv Cash Loan Services (defined in the Navi Finserv Cash Loan Terms of Use) through the Navi Finserv website (“Website”).
We may revise this Policy as well as update the Navi Finserv Cash Loan Services, from time to time, so please keep visiting this page regularly to take notice of any changes we make. If you do not agree with any part of this Policy, please stop using our Navi Finserv Cash Loan Services immediately. Further, if at any time, you wish to manage your consent for processing of your personal data, please reach out to us through the ‘Help Center’ on the Website, or by e-mail to our grievance redressal officer.
This Policy, incorporates, and includes our Navi Finserv Cash LoanTerms of Use, available here (“Terms”) and the agreement(s) executed by you (and members, nominees, if any) for availing the Navi Finserv Cash Loan Services (“User Loan Agreement”).
Words and phrases not defined in this Policy shall have the same meaning as set out in the Terms.
1. CONTACT INFORMATION
Summary: You may reach out to the grievance officer, Mohammed Jaffer Sadiq at: [email protected], confidentially to enquire about the treatment of your data.
If you have any queries, concerns, or grievances regarding this Policy, or the processing of your information, you may please write to our grievance redressal officer, Mohammed Jaffer Sadiq at: [email protected].
2. WHAT DATA IS COLLECTED AND HOW IT IS USED?
Summary: We and / or our Co-Lending Partner(s) collect certain information about you, some of which may be sensitive personal information. We have detailed what data and the manner in which this data is collected.
We and/or our Co-Lending Partner collect data to ensure that you are provided with the Navi Finserv Cash Loan Services, in the most customer friendly, and robust manner possible. We and/or our Co-Lending Partner use this data for the purposes identified in this Policy. By accepting this Policy, you provide your explicit consent to us and/or our Co-Lending Partner collecting data about you, in the ways listed below.
(i) Data you provide to avail the Navi Finserv Cash Loan Services
| Data Collected | What is the Data used for |
|---|---|
| Personal Details: We collect the data you provide to us when you apply for a loan on the Website, including your name, phone number, email ID, PAN, date of birth, and pin code. We may require you to share further information on a later date to confirm the veracity of the information or pursuant to any additional features added to the Website. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services with our Co-Lending Partner; enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Marketing and Outreach; Automated Decisions; Legal Compliance and Requirements; Loan Servicing and Monitoring. |
| Financial and KYC Information: We and/ or our Co-Lending Partner(s) collect the data you provide when you accept the tentative terms of the loans. This includes your photograph, Aadhaar Number, PAN, parents’ names, pin code, bank account number, IFSC, proof of address (which can be your electricity bill, rental/lease agreement, gas bill, passport or driver’s license, or voter’s identity card or any other officially valid documents as per applicable law). | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services with our Co-Lending Partner; enabling Customer Support; Research and Development; Legal Compliance and Requirements; Enabling Communications Between You and Us; Loan Servicing and Monitoring. |
| Mobile Access: We seek a one-time permission to access geolocation, microphone and camera from your mobile phone device. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services with our Co-Lending Partner; Legal Compliance and Requirements. |
| Economic Profile/ other data for processing loan: You may be required to provide further information to us and/ or our Co-Lending Partner for the purposes of processing your loan application. Such additional information may include (without limitation) bank statements, nature of employment, official employment email address and name of employer, employee provident fund details, monthly income, and marital status, goods and services tax returns and details, and salary, bank and income statements. You may also be required to provide this information to us, and/ or our Co-Lending Partner via physical documents, e-mail or other digital and offline methods. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Legal Compliance and Requirements; Enabling and servicing of Navi Finserv Cash Loan Services; Enabling Communications Between You and Us; Research and Development; Loan Servicing and Monitoring. |
(ii) Data we collect from your usage of the Navi Finserv Cash Loan Services
| Data Collected | What is the Data used for |
|---|---|
| Transaction information: We and/or our Co-Lending Partner collect transaction information related to the use of Navi Finserv Cash Loan Services, including the type of Navi Finserv Cash Loan Services requested, date and time the Navi Finserv Cash Loan Services were provided, loan availed, interest payable, EMI selected, and payment method. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services with our Co-lending Partner; Enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Marketing and Outreach; Automated Decisions; Legal Compliance and Requirements. |
| Usage Information: We collect data about how you interact with Navi Finserv Cash Loan Services and, or the Website. This includes data such as call recordings from your interaction with our customer support team or Navi Finserv Cash Loan recovery team, interaction patterns (such as screen actions, gestures: taps, scrolls) access dates and times, Website features or pages viewed, Website crashes and other system activity, type of browser, and third–party sites or services used before or in the course of interacting with the Navi Finserv Cash Loan Services and, or the Website. We may use cookies, cache pixels and similar technologies to receive and store certain types of usage data from you. | Enabling the Website and Navi Finserv Cash Loan Services; Enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Marketing and Outreach; Automated Decisions; Legal Compliance and Requirements. |
(iii) Information received from other sources
| Data Collected | What is the Data used for |
|---|---|
| Credit Information: By availing Navi Finserv Cash Loan Services or setting up a Navi Cash Loan Account (as defined in the Terms), you hereby consent to us, and/or our Co-Lending Partner accessing your credit information from credit information companies to make personalized product offerings to you. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services; Enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Automated Decisions; Legal Compliance and Requirements. |
| Bank Statements: By availing Navi Finserv Cash Loan Services or setting up a Navi Cash Loan Account (as defined in the Terms), you hereby consent to us, and, or our Co-Lending Partner accessing your Bank Statements from Account Aggregators to make personalized product offerings to you. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services; Enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Automated Decisions; Legal Compliance and Requirements. |
| Third Parties: We may also be working closely with third parties (including, for example, credit information bureaus, business partners, partner banks, account aggregators and financial institutions, technical sub-contractors, analytics providers, search information providers and valuers) and may lawfully receive information about you from such sources. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services; Enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Marketing and Outreach; Automated Decisions; Legal Compliance and Requirements; Product Innovation; Loan Servicing and Monitoring. |
| Testimonials: We may also use the content you have shared publicly, including on third party platforms or applications, to promote Navi Finserv Cash Loan Services (including by quoting your content, reviews and/or recommendations, or displaying screenshots of your content, reviews and/or recommendations). | Enabling the Website and Navi Finserv Cash Loan Services; Enabling Customer Support; Research and Development; Enabling Communications Between You and Us; Marketing Outreach; Legal Compliance and Requirements; Product Innovation. |
| Affiliates: To allow you a seamless experience on the Website, and avoid asking you to re-enter your information, we may, with your consent, collect your information from our Affiliates, in accordance with their respective privacy policies and applicable laws. This may include data from Navi Technologies Limited, Navi Fintech Private Limited, and the Navi App, for instance, your account data to auto-fill your details on the Website or financial SMS data, app data, etc., for underwriting. For more details about the information collected by our Affiliates, please refer to their respective Privacy Policies. | Enabling the Website and Navi Finserv Cash Loan Services; Loan Processing and KYC Authentication; Enabling and servicing of Navi Finserv Cash Loan Services with our Co-Lending Partner; Enabling Customer Support; Research and Development: Enabling Communications Between You and Us; Marketing and Outreach; Automated Decisions; Legal Compliance and Requirements; Product Innovation; Loan Servicing and Monitoring. |
3. HOW AND WHY IS THE COLLECTED DATA USED?
Summary: We and/ or our Co-Lending Partner collect and use data collected about you to ensure that the Navi Finserv Cash Loan Services are as up-to-date as possible and provided in the most optimal manner to you.
The data that is collected in accordance with Paragraph 2 of the Policy will be used in the manner detailed below:
| S. No. | Reason of Use | Manner of Use |
|---|---|---|
| i. | For Enabling the Website and Navi Finserv Cash Loan Services | We use the data collected to personalize, maintain and improve Navi Finserv Cash Loan Services. This includes using the data to: – Create and update the Navi Cash Loan Account, including auto-populating details on the website. – Analyze your loan eligibility and estimate your loan terms. – Track the disbursement and repayment of the loan. – Enable features that allow you to add and remove bank accounts for your loan repayment and disbursements from time to time. – Enable features that help you check your loan history, credit scores (as provided on government databases), and other such Website features as may be added from time to time. – Perform internal operations necessary to provide Navi Finserv Cash Loan Services, including to troubleshoot software bugs and operational problems; to conduct data analysis, testing, and research; and to monitor and analyze usage and activity trends. |
| ii. | For Loan Processing and KYC Authentication | We use the data to analyze your creditworthiness, loan eligibility, KYC documents and current employment verification and to provide you with the terms of your loan. We are required to individually process the loan requests and verify the KYC documentation received. We will not be able to provide you with the requested loan(s) without processing such data. For this purpose, you hereby consent to voluntarily submit KYC documents, including Aadhar related documents in the manner required by us and our Co-Lending Partner and as issued by the Unique Identification Authority of India. You hereby grant us explicit consent to fetch your KYC (Know Your Customer) details from the Central KYC Records Registry using the details provided by you. You are aware that your KYC details would be downloaded from the Central KYC Registry, solely for performing customer due diligence on you in order to process your loan application. You also declare that your data on the Central KYC Registry is updated and has not been subjected to any change, as on the date of making the loan application. You further grant us explicit consent to validate, process, upload and/ or share your KYC details and other legally mandated information with the Central KYC Records Registry, or any other regulated entities, financial institutions. Further, you hereby grant us your explicit consent to collect, store and use your Aadhaar number for the purpose of KYC verification.We and our Co-Lending Partner also use the data to track disbursement and repayment of your loan. |
| iii. | For enabling and servicing of Navi Finserv Cash Loan Services with our Co-Lending Partner | Our Co-Lending Partners use the data to analyze your creditworthiness, loan eligibility, KYC documents and current employment verification to provide you with the terms of your loan. You hereby grant the Co- Lending Partners explicit consent to fetch your KYC (Know Your Customer) details from the Central KYC Records Registry using the details provided by you. You are aware that your KYC details would be downloaded from the Central KYC Registry, solely for performing customer due diligence on you in order to process your loan application. You also declare that your data on the Central KYC Registry is updated and has not been subjected to any change, as on the date of making the loan application. You further grant Co-Lending Partners explicit consent to validate, process, upload and/ or share your KYC details and other legally mandated information with the Central KYC Records Registry, or any other regulated entities, financial institutions. Our Co-Lending Partners also use the data for underwriting, to track disbursement and repayment of your loans. |
| iv. | For Enabling Customer Support | We or our lending service providers use the information to provide customer support, including to resolve your concerns from the use of the Navi Finserv Cash Loan Services, and train customer service executives. |
| v. | For Research and Development | We may use the data collected for research, analysis, and product development to improve the UI/UX experience – all of which will ultimately improve how you experience the Website. This also helps us develop automated actions to be triggered in certain events, such as to identify if photographs uploaded are not clear, occurrence of fraud, incorrect IFSC,etc. |
| vi. | For Enabling Communications Between You and Us | We may add features that enable communications between you, and Us, including through the Website or other channels like SMS, email, post, etc. or through AI-powered chatbots. |
| vii. | For Marketing and Outreach | We may use the data collected to market the Website and Navi Finserv Cash Loan Services. This includes sharing your feedback, ratings and screen names for purely promotion and marketing purposes. Such promotion and marketing may be done via hoardings, banners, pamphlets, calls, SMSs, emails etc. We and our Co-Lending Partner may contact you through e-mails, telephones, messages, SMS, WhatsApp or any other available modes for marketing purposes or any other aspect pertaining to any loan availed by you. |
| viii. | For Automated Decisions | The Website may provide automated features for customer responses, reimbursement tracking, etc. As the Website grows, we will keep adding more automated features to the Website. |
| ix. | For Legal Compliance and Requirements | We may use the data we collect to investigate or address claims or disputes relating to use of Navi Finserv Cash Loan Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, and official inquiries. |
| xi. | For Product Innovation | We may use the data collected to offer / recommend new products and services for your use. |
| xii. | For Loan Servicing and Monitoring | We and/or our lending service providers use the data collected from you to effectively track and service your loan and to enable collection efforts. |
4. HOW DO WE SHARE THE COLLECTED INFORMATION?
Summary: Please note that while none of your data is sold, it is shared with third parties for providing you with the Navi Finserv Cash Loan Services.
We are very protective about your data. We may share your data with third parties for the following purposes:
| Type of party | Purpose of sharing |
|---|---|
| Navi Technologies Limited and Navi Fintech Private Limited | – Analysing transaction behaviour. – Validating and authenticating the official verification documents provided by you. – Assisting us and, or the Co-Lending Partner with servicing, monitoring or recovery of loan or managing any post-purchase activity of the borrower. – Analyzing customer behaviour, conducting research into customer behaviour and contacting the customers for the said purpose, and to automate our marketing and outreach efforts. – Developing and maintaining tech systems. – Detecting and flagging of fraud. – Availing cloud services. – Availing data and analytics services. – Gathering of additional information regarding your bank account and statement details, in case adequate information has not been provided by you or through the other service providers we work with. – Manually collecting any sums owed by you to us or our Co-Lending Partner. – Availing cyber-security and disaster recovery services. |
| Navi General Insurance Limited | – Facilitating EMI Shield services including for the purposes of policy issuance, claims and benefits administration, grievance redressal, etc. |
| Third parties listed in the table below | – Analysing transaction behaviour and cash flowsthrough your bank statements, goods and services tax returns, salary and income statements, income tax returns, basis which your loan offer is generated. – Validating and authenticating the official verification documents provided by you. – Validating your preferred bank account, as well as transferring the loan amounts to you. – E-signing of the User Loan Agreement or Sanction Letter, populating the User Loan – Agreement or the Sanction Letter. The information shared with these service providers is retained for auditing of the agreements. – Assisting us and, or the Co-Lending Partner with servicing, monitoring or recovery of loan or managing any post-purchase activity of the borrower. – Analyzing customer behaviour, conducting research into customer behaviour and contacting the customers for the said purpose, and to automate our marketing and outreach efforts. – Developing and maintaining core systems. – Detecting and flagging of fraud. – Availing cloud services. – Availing data and analytics services. – Gathering of additional information regarding your bank account and statement details, in case adequate information has not been provided by you or through the other service providers we work with. – Manually collecting any sums owed by you to us or our Co-Lending Partner. – Validating and authenticating your employment status, employment information and employment duration. – Availing cyber-security and disaster recovery services. |
| Co-Lending Partner | We work with identified banks and financial institutions to provide Navi Finserv Cash Loan Services on the Website, and we may share your information with such Co-Lending Partner(s). The Website is the digital lending application facilitating the loan transactions between us, customers and the Co-Lending Partner. Details of our Co-Lending Partners are onour website here. |
| Government and Regulatory Agencies | If any governmental authority or law enforcement officers request or require any information and we think disclosure is required or appropriate in order to comply with laws, regulations, or a legal process, we, or our Co-Lending Partner may share such required information with the governmental authority or law enforcement officers. |
| Third Party SDKs | The Website might also contain links to a registered third-party SDK which collects data on our behalf and data is stored to a secured server to perform a credit risk assessment. We ensure that our third party service provider(s) take security measures in order to protect your personal information against loss, misuse or alteration of the data. Our third-party service provider(s) employ separation of environments and segregation of duties and have strict role-based access control on a documented, need-to-use basis. The stored data is protected and stored by application-level encryption. They enforce key management services to limit access to data. Furthermore, our registered third-party service provider(s) provide hosting security – they use industry-leading anti-virus, anti-malware, intrusion prevention systems, intrusion detection systems, file integrity monitoring, and application control solutions. |
| Debt Management Agents/ Agencies | We work with identified debt management agents and agencies across the country to enable collection of your loans and we may share your information with such Debt Management Agents/Agencies. The list of authorized Debt Management Agents/Agencies can be accessed here. |
Additionally, while negotiating or in relation to a change of corporate control such as a restructuring, merger or sale of our assets, we may have to disclose our databases and information we have stored in the course of our operations, subject to execution of appropriate confidentiality agreements, and strict compliance with data security requirements.
Details of the third parties we share your personal information with are set out below:
| Sl.No. | Vendor’s -Entity Name | Address | Email ID / Website Link | Purpose of sharing |
|---|---|---|---|---|
| 1 | Slashrtc Software Services Private Limited | Office No. B1-006, Boomerang, B Wing, Chandivali Road, Powai Andheri East, Mumbai, India – 400702 | [email protected] | For enabling collection efforts. |
| 2 | Hyperverge, Inc. | 104 1stStreet, Los Altos, CA 94022 | [email protected] | For liveliness check. |
| 3 | Fintech Products And Solutions India Pvt Ltd | 10-2-289/71, Krishna Doyen # 501, Shantinagar, Hyderabad – 500028, India | [email protected] | For accessing your Bank Statements from Account Aggregators. |
| 4 | TSS Consultancy Private Limited | 602/603, Trade Link, E Wing, A Block, Kamala Mills Compound, Lower Parel, Mumbai – 400013 | [email protected] | For fetching C-KYC data through CERSAI and uploading data to CERSAI |
| 5 | Digitap.Ai Enterprise Solutions Private Limited | Novel MSR Park, 5thFloor, K. No. 731/2389, 93/9, Varthur Main Rd, Marathahalli, Bangalore – 560037 | [email protected] | For Offline Verification of Aadhaar via Aadhaar XML and For fetching Employment details from EPFO.Note: As per the Data Retention policy of Digitap, they collect the personal information (Aadhaar number, Captcha, and OTP) but delete the same within 1 day. |
| 6 | Digiotech Solutions Private Limited | Flat C-1603, Oak Block, Salarpuria Greenage Apts Bommanahalli, Hosur Main Road, Bangalore – 560068. Ka | [email protected] | For Mandate Registration and presentation, For E-Signing of documents, For Fetching details from Digilocker during KYC verification. |
| 7 | Razorpay Software Private Limited | 1stFloor, SJR Cyber, 22 Laskar Hosur Road, Adugodi, Bengaluru, 560030, Karnataka, India | [email protected] | For Mandate Registration, Presentation, For Debt Recovery. |
| 8 | Payu India Innovations Private Limited | 9th Floor, 1, Bestech Business Tower, Sohna Road, Sector 48, Gurugram Haryana, 122018 India | https://corporate.payu.com/data-subject-request/ | For risk assessment. |
| 9 | Juspay Technologies Pvt Ltd | 5C, Zion Cottage, 16thCross Street, Indra Nagar, Adayar, Chennai 600020 Current Address: 3rdFloor, Girija Building, #817, Ganapathi Temple Road, 8thBlock, Koramangala, Bangalore – 560095 | [email protected] | No personal data is shared with this third party, and data is shared for routing payments |
| 10 | ICICI Bank Limited | Icici Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara 390007, Gujarat, India. | [email protected] | For Bank account verification, for Disbursement of sanctioned loan. |
| 11 | Yes Bank Limited | Yes Bank House, Off Western Express Highway, Santacruz (East), Mumbai – 400055 | [email protected] | For Bank account verification, For Disbursement of sanctioned loan. |
| 12 | Gupshup Technology (India) Private Limited | Eastland Citadel, #150/1, Ground Floor, Hosur Main Road, Kaveri Layout, S.G. Palya, Koramangala, Bengaluru, Karnataka- 560029, India | [email protected] | For EnablingCommunications between You and Us. |
| 13 | Kaleyra, Inc. | The Pavilion, 1stFloor, #175 & 176, BG Road, JP Nagar 4thPhase, Bilekahalli, Bengaluru, KA – 560076 | [email protected] | For Enabling Communications between You and Us. |
| 14 | Karix Mobile Private Limited | A Wing, 3rdFloor, Prism Towers, Mind Space, Malad (W), Mumbai-400064 India | tech-[email protected] | For Enabling Communications between You and Us. |
| 15 | Bharti Airtel Limited | Airtel Centre, Plot No. 16, Udyog Vihar, Phase-Iv, Gurgaon, Haryana, 122015 | [email protected] | No personal data is shared and data is shared for enablingCommunications between You and Us. |
| 16 | Vodafone Idea Limited | Suman Towers, Plot No.18, Sector 11, Gandhinagar – 382011, Gujarat. T: +91-79 6671 4000, F: +91-79 2323 2251 | [email protected] | No personal data is shared, and data is shared for Enabling Communications between You and Us. |
| 17 | Exotel Techcom Pvt. Ltd | #22, Exotel Techcom, Near RMZ Millenia, Kensington Road, Ulsoor, Bengaluru, Karnataka, India – 560008 | [email protected] | For EnablingCommunications between You and Us. |
| 18 | Transunion CIBIL Limited | One World Centre, Tower 2A, 19thFloor, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013 | [email protected] | For accessing Bureau Data. |
| 19 | Crif High Mark Credit Information Services Pvt. Ltd | 3B-01,02, 03, 3rdFloor Phoenix Paragon Plaza (Phoenix Market City Campus), CRIF High Mark Credit Information Service Pvt. Ltd. CTS No. 124/B, 15, L.B.S. Marg, Kurla (West), Mumbai- 400070. India | [email protected] | For accessing Bureau Data. |
| 20 | Perfios Software Solutions Pvt. Ltd | No.66/5-25, 5thFloor, Indiqube-Hm Vibha Building Lasker Hosur Road, Above Star Bazar, Adugodi, Bangalore – 560030 Ka. In | [email protected] | For Fetching EPFO, and GST details and PAN Details for PAN verification. |
| 21 | Baldor Technologies Private Limited | 4-F, Rushabh Chambers, Plot No. 609, Off Makwana Road, Marol Naka, Andheri – East Mumbai Mumbai City Mh – 400059 In | [email protected] | For PAN and Sanctions Check, and for KYC verification. |
| 22 | Experian Credit Information Company of India Private Limited | Equinox Business Park, Tower 3, East Wing, 5thFloor. LBS Marg, Kurla (W), Mumbai 400070 | [email protected] | For accessing Bureau Data. |
| 23 | Quantduo Technologies Private Limited | Urbanvault 591, 3rdfloor, 22ndcross, 15thMain Rd, HSR Layout, Bengaluru, 560102 | [email protected] | For assistance in risk assessment. |
| 24 | Finarkein Analytics Private Limited | FL-B-1002, Marvel Albero, SN-41/3/1/1 TO 6 Kondhwa BK., Pune- 411048 | [email protected] | For accessing your Bank Statements from Account Aggregators. |
| 25 | 100ms Inc. | 49095 Woodgrove Common, Fremont, California 94539, United States | [email protected] | No personal data is shared with this third party and data is shared for Video Conferencing Service for Video KYC. |
| 26 | CE Info Systems Private Limited | 237, Okhla Industrial Estate, Phase III, New Delhi-110020 | [email protected] | For assistance in risk assessment. |
| 27 | Airtel Digital Limited | Airtel Centre, Plot No. 16, Udyog Vihar, Phase IV, Gurgaon – 122015, Haryana, India. | [email protected] | For Enabling Communications Between You and Us. |
| 28 | IGZ Solutions Pvt Ltd | 9, Krishna Kunj, Plot no. 17, Shree Hind CH SN.S Mankikar Marg, Sion, Mumbai Suburban 400022, Maharashtra India | [email protected] | For fetching GST details. |
| 29 | BureauID India Private limited | B wing, level 7, The Capital, G-Block, Bandra Kurla Complex, Plot-C70, Bandra East, Mumbai Maharashtra 400051 | [email protected] | For assistance in risk assessment. |
| 30 | OpenAI, L.L.C. | 548 Market Street, PMB 97273, San Francisco, California 94104-5401, United States | [email protected] | For Enabling Communications Between You and Us. |
| 31 | Solytics Partners Private Limited | Tower 4, 1804, Blue Ridge Township ,Hinjavadi, RGIP Phase 1, PunePin Code – 411057 | [email protected] | For AML I Monitoring |
| 32 | HDFC Bank Limited | HDFC Bank House,Senapati Bapat Marg,Lower Parel (W),Mumbai-400013 | [email protected] | For Bank account verification and Disbursement of sanctioned loans |
Third Party Services
The Website may allow you to connect with other websites, products, or services that we don’t have control over (for example, if we allow you to pay through an external wallet facility then we will have to share your usage information with the facility provider). However, usage of such third-party services is subject to their privacy policies and not within our control. We recommend that you have a look at their privacy policies before agreeing to use their services.
5. WHAT ARE YOUR RIGHTS?
Summary: We have identified your rights in the table below and the manner in which you may exercise these rights.
It is important for us that you remain in control of your data. Please write to us at [email protected] if you wish to exercise any of your rights under the Policy. You shall have the following rights:
| S. No. | Your Right | Details |
|---|---|---|
| i | Right to rectification | In the event that any personal information provided by you is inaccurate, incomplete or outdated then you shall have the right to provide us with the accurate, complete and up to date data and have us rectify such data. It may take up to 10 days to process your request. We urge you to ensure that you always provide us with accurate and correct information/data to ensure your use of Navi Finserv Cash Loan Services is uninterrupted. |
| ii | Right to withdraw consent | Please refer to Paragraph 8 below. You may request revocation of your consent by reaching out to us through the ‘Help Center’ on the Website. Alternatively, you may write to us at [email protected] to specifically deny your consent for use of any specific set / class of data you have shared with us, or restrict disclosure to any third parties as mentioned In Paragraph 4 above. |
| iii | Right to opt-out | You can opt out of receiving push notifications through web notifications and your device settings. Please note that opting out of receiving push notifications may impact your use of the Website. |
| iv | Right to request deletion | Subject to Paragraph 8 and 9 below, you may request deletion of any data collected by us pursuant to this Privacy Policy by reaching out to us through the ‘Help Center’ on the Website. Alternatively, you may write to us at [email protected]. |
6. WHAT IS OUR DATA SECURITY PRACTICE?
Summary: We aspire to keep your data and information as secure as possible and to that effect we have used state of the art software.
We use requisite technical and organizational security measures to ensure a level of protection for personal information appropriate to the nature, scope and purpose of processing personal data, the risks associated with such processing, and the likelihood and severity of the harm that may result from such processing. The transfer of personal information between your end device and us is generally carried out via best-in-class encryption protocols. If you communicate with us by e-mail, access by third parties cannot be ruled out. In the case of confidential information, you may choose to use alternative communication channels, such as post or encrypted e-mail communication.
7. HOW DO WE HANDLE INFORMATION SECURITY BREACHES?
We have an Information Security Incident Management Policy in place to tackle incidents of information security breach. This process enables the incident response team to detect, analyse, contain, eradicate and recover from information security breach incidents.
8. CONSENT MECHANISM
Summary: By applying for a loan, you have consented to all our data privacy practices. You can follow the process detailed below or write to [email protected] if you wish to delete your data or revoke any consent.
You consent to our processing of your data, including personal information, in accordance with this Policy, by checking the check box presented with this Policy. To take your prior and explicit consent, we will provide you with appropriate options within the Website, to give or deny the consent for the use of data, to permit disclosures to third parties, to retain data, etc, as per the applicable law. We will also disclose the purpose of obtaining your consent at appropriate stages of interface within the Website. By providing your explicit consent, you agree to theprocessing, storage, usage, and sharing of the data provided by you pursuant to this Policy.
If you wish to revoke any consent you have provided to us, or make the Website delete/forget your data, you may follow the below-mentionedprocess on the Website:
- Go to the ‘Profile’ section within the Website.
- Select the ‘Help Center’ option.
- Select ‘Cash Loan’ from the available options.
- Select the option of ‘Chat with Us’.
- Select your preferred language for communication.
- Select ‘Other Queries’ to proceed.
- Click on ‘My Profile’.
- Choose ‘How do I revoke my active consents or ‘How do I delete my data’’.
- For withdrawal of consent, choose the specific permissions you wish to revoke from under ‘Select the Permissions’ and follow the provided instructions.
- For deletion of data, follow the provided instructions.
We strive to address your concerns and provide necessary assistance throughout the process. However, please be informed that deleting your data, withdrawing certain mandatory permissions, or revoking the consent to process and store information such as your Navi Cash Loan Account Data, Financial and KYC Information, and/or your basic personal information needed to facilitate your loan amounts may affect the functionality and availability of services availed by you on the Website. We may have to cease the provision of, your access to or use of Navi Finserv Cash Loan Services or the Website to facilitate your request for deletion of your data, or revocation of mandatory permissions or consents. At our discretion, your request for data deletion and, or withdrawal of consent would be considered once you have repaid your loan and charges related to such loan. We will make every effort to inform you of the data attributes that are necessary to be retained by us under applicable laws or for our underwriting checks, fraud detection and prevention, reporting purposes or dispute management.
Please note that our processes for facilitating your requests for deletion of data, or withdrawal of consent are governed by our internal policy on data deletion, data retention, and consent revocation. For any further assistance, please write to us at [email protected].
9. DATA RETENTION
Summary: We retain your personal information to the extent we need to. Once the need for the retention expires, we will not hold onto it.
We do not retain your personal information for longer than required for the purpose for which the information may be lawfully used. We store your personally identifiable data in our servers in encrypted form.Please note that our processes for facilitating your requests for deletion of data, or withdrawal of consent are governed by our internal policy on data deletion, data retention, and consent revocation. For any other information, we may entertain your request for deletion, in accordance with Paragraph 8 above. For any further assistance, please write to us at [email protected].
10. CHILDREN’S PRIVACY
Navi Finserv Cash Loan Services are not directed to children, and we do not knowingly solicit or collect personal information from persons under the age of 18 (eighteen). If we find out that a child has given us personal information, we will take steps to delete that information and terminate the relevant Navi Cash Loan Account.
11. COMMUNICATIONS FROM US
We may from time to time contact you via calls, SMS, emails, and other communication channels to provide you with information pertaining to Navi Finserv Cash Loan Services, notifications on updates vis-à-vis Navi Finserv Cash Loan Services (when we consider it necessary to do so), educational information and promotions. We may also notify you if we need to temporarily suspend the Website for maintenance, and keep you informed on security, privacy, or administrative-related communications. By setting up an account with us, you consent to us contacting you via call, SMS, push notifications, or any other communication channel, as we may deem fit.
12. UPDATES TO THIS NOTICE
We may occasionally update this Policy. Use of Navi Finserv Cash Loan Services after an update constitutes consent to the updated notice to the extent permitted by law. Please take the time to periodically review this Policy for the latest information on our privacy practices.
Navi Finserv Limited
E: [email protected] | T: 80 4511 3400 | www.navi.com/finserv | CIN: U65923KA2012PLC062537
Registered Office: 2nd Floor, Vaishnavi Tech Square, Iballur Village, Begur Hobli, Bengaluru, Karnataka 560102