Privacy Policy

Last Updated: October 2025

Reja Indian Nidhi Limited is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

1. Information We Collect

We collect information that you provide directly to us, including:

• Personal Information: Name, email address, phone number, postal address, date of birth, PAN number, Aadhaar number
• Financial Information: Bank account details, transaction history, loan details, deposit information
• Identity Documents: Copies of government-issued IDs, photographs
• Technical Information: IP address, browser type, device information, cookies

2. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our financial services
• To process transactions and manage your account
• To comply with legal and regulatory requirements
• To communicate with you about services, updates, and promotional offers
• To prevent fraud and enhance security
• To improve our website and services
• To conduct credit assessments and risk analysis

3. Information Sharing and Disclosure

We may share your information with:

• Regulatory Authorities: RBI, MCA, tax authorities as required by law
• Credit Bureaus: For credit reporting and assessment purposes
• Service Providers: Third-party vendors who assist in our operations
• Legal Requirements: When required by law, court order, or legal process
• Business Transfers: In connection with mergers, acquisitions, or asset sales

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• SSL/TLS encryption for data transmission
• Secure servers with firewall protection
• Regular security audits and updates
• Access controls and authentication mechanisms
• Employee training on data protection

5. Your Rights

You have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion of your data (subject to legal obligations)
• Opt-out of marketing communications
• Withdraw consent where applicable

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookie settings through your browser.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and as required by applicable laws and regulations, typically for a period of 7-10 years after account closure.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

11. Consent

By using our website and services, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.