Introduction

Welcome to Naoloan.com! Your privacy is important to us, and we are committed to protecting your personal information. This Privacy Policy explains how Naoloan.com (“we,” “us,” or “our”) collects, uses, shares, and protects your information when you access our website, mobile application (Naoloan.com), or interact with our services.

By using our services, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

To provide and enhance our services, we collect the following types of information:

1.1 Personal Information

We may collect personal details such as:

• Identity Information: Name, date of birth, gender, and authentication data.
• Contact Information: Phone numbers, email addresses, and mailing addresses.
• Financial Information: Creditworthiness data, bank details, and other financial records.
• Preferences & Communications: Your contact preferences and communication history.

1.2 Device Information

We collect data about the devices you use to access our services, including:

• Device identifiers
• IP address
• Browser type and operating system
• Network and connectivity details

1.3 Usage Data

We track how you interact with our services, including:

• Pages visited
• Features used
• Actions performed
• Usage patterns and interactions

2. How We Use Your Information

Your data is used for the following purposes:

2.1 Service Delivery

• Facilitating account creation and authentication on Naoloan.com
• Processing loan applications, assessing eligibility, and managing disbursals
• Maintaining and improving our services

2.2 Communication & Support

• Sending administrative updates and promotional content
• Responding to inquiries and providing customer support
• Notifying users about service changes or updates

2.3 Personalization & Analytics

• Delivering personalized content and targeted advertising
• Enhancing user experience based on past interactions
• Analysing service usage to improve functionality

2.4 Security & Compliance

• Protecting against fraud, unauthorized access, and security threats
• Complying with legal and regulatory requirements, including:
  • Anti-money laundering (AML) laws
  • Consumer protection regulations
  • Data protection laws

3. Information Sharing

We may share your information with:

• Third-party service providers, financial institutions, and credit bureaus that assist in delivering our services
• Affiliates, business partners, and trusted third parties for marketing and operational purposes
• Government authorities or law enforcement agencies when required by law, court order, or regulatory compliance

We ensure that third parties handling your data are contractually bound to maintain confidentiality and security.

4. Cookies & Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance user experience and collect analytics data. By using our services, you consent to the use of these technologies.

• You can manage your cookie preferences through your device or browser settings.
• Disabling cookies may affect certain functionalities of our services.

5. Data Retention & Security

• We retain personal data only for as long as necessary to fulfil our business purposes, comply with legal requirements, and resolve disputes.
• We implement industry-standard security measures to protect your data from unauthorized access, loss, or misuse.
• Archived data may be retained for audit purposes or as required by law.

6. Your Rights

You have the right to:

• Access, update, or delete your personal information.
• Withdraw consent for marketing communications.
• Request data portability, where applicable.

To exercise your rights, please contact us using the details provided below.

7. Children’s Privacy

We do not knowingly collect personal information from children under 18 years of age. If you believe we have collected such data without parental consent, please contact us for its removal.

8. Updates to This Privacy Policy

We may update this policy periodically to reflect changes in our practices or legal requirements. Any significant changes will be communicated through our website, app, or other official channels.

9. Grievance Redressal

For any privacy-related concerns, please contact our Grievance Officer:

📞 Phone: 8447740622
📧 Email: info@naloan.com
🌐 Website: www.naoloan.com