Privacy Policy

Keeping your personal information safe is a core priority for KiranLoan. This Privacy Policy describes the data we gather when you use the KiranLoan mobile app (“App”), how we use it, the safeguards we maintain, and the choices available to you as a user.

By continuing to use the App, you agree to be bound by this Policy. If you do not accept any part of it, please delete the App from your device. We encourage you to read this Policy together with our Terms of Service, which explains the general rules that apply to your use of KiranLoan.

2.1 Identity & Contact Details

To verify your identity and create your profile, we collect essential details such as your full name, date of birth, mobile number, email address, and information from your government-issued ID. Data is transmitted through secure, encrypted channels and stored at:

We use this information only for identity verification, account creation, and regulatory compliance. It is never shared with outside parties for commercial purposes.

2.2 Device & Technical Information

We automatically collect certain technical details from your device, including device make and model, operating system version, IP address, and Google Advertising ID. This information helps the App operate reliably and keeps the platform secure; it is never used for advertising or credit decisions.

2.3 Installed App Metadata

For security purposes, the App may collect limited metadata from other apps on your device, such as package names and installation dates. This does not include app contents, passwords, or usage data. It is used only to detect security risks and does not affect your credit standing.

2.4 Camera Access

To support document uploads, the App may request camera access. Photos are encrypted before being sent to server.KiranLoan.com and are deleted as soon as verification is complete. The camera is used only when you actively start it; it is never accessed in the background, and no images are retained after the process ends.

2.5 Approximate Location

With your permission, the App may collect approximate location data to check whether our services are available in your area. We do not store precise coordinates, and location information is never used for advertising, profiling, or credit evaluation.

2.6 Usage & Diagnostic Data

We collect aggregated, anonymized usage data, such as screens visited, time spent, and error logs, to improve the App experience. This data does not identify you and has no effect on credit decisions.

We handle your data only for specific, legitimate reasons, including:

• Confirming your identity and checking eligibility before opening your account
• Managing your revolving credit line and processing transactions
• Identifying and blocking fraud to keep the platform secure
• Responding to support requests and user questions
• Improving App features, fixing bugs, and developing better services
• Complying with legal and regulatory requirements

You may choose to deny individual permissions. Declining a permission may limit certain features, but it will not stop you from using the App in general. We will not collect data from any permission you have not granted.

We never sell, rent, or trade your personal data with outside parties for profit. Data is shared only when genuinely necessary, and only with:

• Identity verification providers who validate the documents you submit
• Service providers that manage our secure data infrastructure and processing
• Authorities or regulators when we are legally required to provide information

All partners operate under strict confidentiality agreements and must follow industry-standard security practices. They may not use your data for any purpose beyond what is required to serve KiranLoan.

We apply strong safeguards throughout the data lifecycle, from collection to deletion. Key measures include:

• End-to-end encrypted transmission using TLS/HTTPS
• Access controls ensuring only verified personnel can view sensitive records
• Regular independent security reviews and vulnerability assessments
• Around-the-clock monitoring with automated alerts for suspicious activity

Only staff with a legitimate business need may access sensitive data, and every access is tracked and auditable. Despite our best efforts, no online system is entirely free from risk. If you suspect unauthorised access to your account, contact us immediately at support@kiranloan.com.

We retain your data only for as long as needed to fulfil the purposes in this Policy, or to comply with applicable laws and obligations, whichever period is longer.

After your account is closed and any required retention period has ended, your data is either securely deleted or fully anonymised. Retention periods differ depending on data type and applicable regulations.

KiranLoan is intended strictly for users aged 18 and above. We do not knowingly collect data from anyone under 18. Our identity verification process is designed to prevent underage access.

If we learn that a minor's data has been captured, it will be erased immediately and the related account will be closed without notice. If you believe a minor has registered on our platform, please inform us at support@kiranloan.com.

You have the following rights regarding the personal data KiranLoan holds about you:

• Access: Ask us for a copy of the personal data we have collected about you
• Correction: Request corrections to data that is inaccurate or out of date
• Deletion: Request deletion of your data unless legal obligations prevent us from doing so
• Withdrawal of consent: Where we rely on your consent to process data, you may withdraw it at any time

To exercise any of these rights, or for questions about how we handle your data, contact us at support@kiranloan.com.

We aim to respond to all valid requests within a reasonable time, in accordance with applicable law. You may be asked to confirm your identity before we proceed.

This Policy may be updated from time to time in response to changes in our services, legal requirements, or regulatory developments. For significant changes, you will be notified through the App or by email before the new version takes effect.

Small corrections or non-material edits may be made without prior notice. The date at the top of this page reflects when the Policy was last changed. Continuing to use the App after an update means you accept the revised terms.

If you have any questions, complaints, or requests about this Privacy Policy or how your data is handled, our team is ready to help.