Nimmi Finance ("we", "our", "us") respects your privacy and is committed to protecting your personal information. By using Nimmi Finance, you agree to the collection and use of information as described in this Privacy Policy.

1. Information We Collect

A. Information You Provide

• Full Name
• Mobile Number
• Email Address (optional)
• Date of Birth
• Gender
• Profile Photo (if provided)
• Nominee Information
• Address Information (if provided)
• Identity Verification Documents (if required)
• Chit Group Participation Information

B. Financial & Transaction Information

• Payment Records
• Installment History
• Auction Participation Records
• Chit Group Membership Details
• Transaction References
• Receipt Information

Important: Nimmi Finance does not store complete debit card, credit card, UPI PIN, banking passwords, or payment authentication credentials. Payments are processed through authorized third-party payment providers.

C. Device Information

• Device Model
• Operating System Version
• App Version
• Device Identifiers
• IP Address
• Language Settings
• Crash Reports
• Performance Logs

This information helps us improve app performance and security.

2. Permissions Used by the App

Depending on features enabled, Nimmi Finance may request:

• Camera Permission: Upload profile photos, verification documents, and supporting images. The camera is accessed only when you choose to use related features.
• Storage / Photos Permission: Upload images, documents, download receipts, and save reports. Access is limited to files selected by you.
• Notification Permission: Send payment reminders, installment due notifications, auction notifications, group updates, and security alerts.
• Phone Permission (If Enabled): Used only for mobile number verification and improving login experience. We do not access call recordings or phone conversations.

3. How We Use Your Information

• Create and manage user accounts
• Verify user identity
• Facilitate participation in chit groups
• Process transactions
• Generate payment receipts
• Conduct auctions and raffles
• Provide customer support
• Send notifications and reminders
• Improve app functionality
• Detect fraud and security risks
• Comply with legal obligations

4. Information Sharing

We do not sell personal information. We may share information only in the following situations:

• With Organizers: When you join a chit group, relevant information (Name, Mobile Number, Payment Status, Membership Information) may be visible to the Organizer.
• With Service Providers: We share info with trusted providers including Cloud hosting, SMS, Email, Payment gateway, Analytics, and Customer support systems.
• Legal Requirements: We may disclose information if required by court orders, government authorities, law enforcement, or regulatory requirements.

5. Data Security

We implement reasonable security measures including Encrypted data transmission (HTTPS), Secure authentication mechanisms, Access controls, Regular monitoring, and Secure cloud infrastructure. While we strive to protect information, no internet-based service can guarantee absolute security.

6. Data Retention

We retain information only for as long as necessary to provide services, maintain transaction records, resolve disputes, and comply with legal obligations. When information is no longer required, it will be securely deleted or anonymized.

7. User Rights

Depending on applicable laws, users may have the right to:

• Access their personal information
• Correct inaccurate information
• Update account details
• Request deletion of personal information
• Withdraw consent where applicable

8. Account Deletion

Upon verification:

• Personal information may be removed or anonymized.
• Certain records may be retained where legally required.
• Active financial or chit-related obligations may need resolution before deletion.

9. Children's Privacy

Nimmi Finance is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware of such collection, we will take appropriate steps to remove the information.

10. Third-Party Services

The app may integrate with third-party services including Payment Gateways, SMS Services, Cloud Hosting Services, Analytics Providers, and Notification Providers. These services operate under their own privacy policies.

11. International Data Transfers

Where necessary, information may be processed or stored on servers located in different jurisdictions. Appropriate safeguards will be implemented to protect user information.

12. Advertising & Analytics

Nimmi Finance may use analytics tools to understand app usage, improve performance, detect errors, and enhance user experience. If advertising services are used, users may receive personalized or non-personalized advertisements depending on applicable laws and settings.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through:

• App notifications
• Website updates
• Email notifications (where applicable). Continued use of the app after updates constitutes acceptance of the revised policy.

14. Contact Us

Data Safety Disclosure

Data Type	Purpose
Name	Account Management
Phone Number	Authentication
Email	Communication
Financial Info	Payment Tracking