Privacy Policy

NaviraLoan

Effective Date: 24 June 2026

NaviraLoan (“App”, “Platform”, “we”, “our”, or “us”) is developed and operated by THUNIL SUPER TECHNOLOGY PRIVATE LIMITED (“Technology Service Provider” or “LSP”).

NaviraLoan provides a digital platform that enables users to access personal loan services offered by our lending partner, S.B.N. LEASING AND FINANCE LIMITED, a Reserve Bank of India (RBI) registered Non-Banking Financial Company (NBFC).

Through this platform:

• Loan products and lending decisions are provided by the NBFC;
• Customer eligibility assessment, loan approval, disbursement, and repayment management are handled by the NBFC in accordance with applicable regulations;
• THUNIL SUPER TECHNOLOGY PRIVATE LIMITED provides technology infrastructure, application services, and digital support functions.

This Privacy Policy explains how information is collected, used, processed, and protected when you use NaviraLoan.

1. Scope of This Privacy Policy

This Privacy Policy applies to:

• Users who access or use the NaviraLoan application;
• Users who submit loan applications through the platform;
• Users who interact with our digital services, customer support, or related features.

By using NaviraLoan, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

To provide digital lending services and support the loan application process, we may collect the following categories of information.

2.1 Personal Information

We may collect information provided by you during registration, application, and verification processes, including:

• Full name;
• Mobile number;
• Email address;
• Date of birth;
• Employment or income-related information;
• Other information required for loan processing.

2.2 Identity Verification Information

To support customer verification and comply with applicable requirements, we may collect:

• Government-issued identification details;
• PAN information;
• Aadhaar-related verification information;
• Identity verification records;
• Documents submitted during the application process.

Identity verification may be performed through authorized verification service providers.

2.3 Financial Information

To support loan application assessment and related service processes, we may collect financial information provided or authorized by you, including:

• Bank account details provided by you for receiving loan disbursements;
• Necessary financial transaction-related information collected with your authorization.

The above information is used to assist our lending partner NBFC in evaluating loan eligibility, conducting risk assessment, and processing loan services. The NBFC makes lending decisions and completes loan disbursement activities in accordance with applicable policies and regulatory requirements.

2.4 Device and Technical Information

When you use NaviraLoan, we may collect certain technical information, including:

• Device model;
• Operating system information;
• Application version;
• Device identifiers;
• Network information;
• Application usage information.

This information helps maintain platform security, improve performance, and prevent unauthorized activities.

3. Permissions We Request

NaviraLoan may request certain device permissions to provide specific services.

3.1 Location Information

With your permission, we may collect approximate location information to:

• Verify whether our services are available in your region;
• Support service availability checks;
• Provide relevant services according to location requirements.

Location information is not used for unrelated purposes.

3.2 Camera Access

Camera permission may be required for:

• Identity verification;
• Facial authentication;
• Capturing required documents during the application process.

This helps verify user identity and maintain a secure lending environment.

3.3 SMS Access

With your authorization, SMS access may be used to analyze relevant financial messages to:

• Support loan application assessment;
• Improve accuracy of financial information evaluation;
• Assist in fraud prevention.

SMS information is processed only for permitted lending-related purposes.

4. Purpose of Information Processing

Information collected through NaviraLoan may be used for:

Loan Service Delivery

Including:

• User registration;
• Loan application processing;
• Eligibility assessment;
• Verification procedures;
• Loan servicing support.

Security and Fraud Prevention

Including:

• Detecting suspicious activities;
• Protecting user accounts;
• Maintaining platform security.

Service Improvement

Including:

• Improving application performance;
• Enhancing user experience;
• Developing better digital lending services.

Regulatory Compliance

Including:

• Meeting applicable legal and regulatory obligations;
• Maintaining required records;
• Responding to lawful requests.

5. Role of Technology Provider and NBFC Partner

NaviraLoan operates under a digital lending partnership model.

THUNIL SUPER TECHNOLOGY PRIVATE LIMITED

As the technology service provider, we are responsible for:

• Application development and maintenance;
• Digital platform operation;
• User interface and technical services;
• Customer support assistance.

S.B.N. LEASING AND FINANCE LIMITED

As the regulated lending partner, the NBFC is responsible for:

• Providing loan products;
• Conducting loan assessment;
• Making lending decisions;
• Disbursing loans;
• Managing repayment-related activities.

Loan approval and lending decisions are solely determined by the NBFC based on applicable policies and assessment procedures.

6. Information Sharing and Disclosure

We do not sell or rent your personal information.

Your information may be shared only when necessary for legitimate purposes, including:

Lending Partner

Information may be shared with the NBFC for:

• Loan evaluation;
• Verification;
• Loan servicing;
• Regulatory compliance.

Service Providers

We may work with trusted third-party providers supporting:

• Identity verification;
• Technology infrastructure;
• Security services;
• Data processing activities.

These providers process information only for authorized purposes.

Legal Requirements

Information may be disclosed when required by:

• Applicable laws;
• Regulatory authorities;
• Government agencies;
• Legal processes.

7. Data Security

We implement reasonable technical and organizational measures to protect user information, including:

• Secure data transmission;
• Access control mechanisms;
• Restricted data access;
• Security monitoring procedures.

While we take appropriate measures to protect information, no electronic transmission or storage system can guarantee complete security.

8. Data Retention

We retain personal information only for as long as necessary to:

• Provide requested services;
• Complete loan-related activities;
• Meet regulatory and legal requirements;
• Resolve disputes and enforce agreements.

When information is no longer required, it will be securely deleted or anonymized where applicable.

9. Your Rights and Choices

You may have rights regarding your personal information, including:

• Requesting access to your information;
• Requesting correction of inaccurate information;
• Contacting us regarding data-related concerns;
• Withdrawing permissions where applicable.

Withdrawal of certain permissions may affect the availability of specific features or services.

10. Third-Party Links and Services

NaviraLoan may contain links or integrations with third-party services.

We are not responsible for the privacy practices or content of external services. Users should review the privacy policies of third-party providers before using their services.

11. Policy Updates

We may update this Privacy Policy periodically to reflect:

• Changes in services;
• Regulatory requirements;
• Technology improvements.

Updated versions will be made available through the application.

12. Contact Us

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

NaviraLoan

Developed and operated by:
THUNIL SUPER TECHNOLOGY PRIVATE LIMITED

Customer Support Email:

help@naviraloan.com

Lending Partner:

S.B.N. LEASING AND FINANCE LIMITED

This Privacy Policy is intended to provide transparency regarding our data practices and our commitment to responsible digital lending services.