Privacy Policy

At Apni Zaroorat (hereinafter referred to as "Company," "we," "our," or "us"), we are deeply committed to protecting the privacy and security of your personal and financial information. This Privacy Policy outlines our practices regarding the collection, use, storage, sharing, and protection of your data when you access our website, mobile application, or digital platforms (collectively, the "Platform") to apply for financial products such as Personal Loans and Insurance.

By using the Platform, you explicitly consent to the data practices described in this policy. If you do not agree with these practices, please do not use our services.

To facilitate your loan or insurance applications effectively, we collect the following categories of information on a strict "need-to-know" basis:

• Personally Identifiable Information (PII): Name, Date of Birth, Gender, PAN (Permanent Account Number), Aadhaar details (voluntarily provided for KYC), and demographic information.
• Contact Information: Mobile number, email address, and residential address.
• Employment & Financial Information: Employment type, monthly income, employer details, and basic financial data required by lending or insurance partners to assess eligibility.
• Technical & Device Data: IP address, browser type, operating system, device identifiers, and platform usage logs. This is collected automatically to enhance platform security, prevent fraud, and comply with Google Play Store data safety guidelines.

Note: Apni Zaroorat does not collect or store your core banking passwords, UPI PINs, or credit card CVVs.

Your data is utilized strictly for the following legal and operational purposes:

• To match your profile with the eligibility criteria of our RBI-registered Lending Partners (for loans) and IRDAI-registered Insurance Partners (for insurance).
• To fetch your credit report from Credit Information Companies (CICs) upon your explicit consent.
• To communicate application status, deliver OTPs, and provide customer support.
• To prevent fraudulent activities, unauthorized access, and ensure compliance with Anti-Money Laundering (AML) laws.

Apni Zaroorat does NOT sell your personal data to third-party marketing agencies.

We operate as an intermediary (DSA/LSP) and only share your encrypted data with:

• Authorized Partners: Registered Banks, NBFCs, and Insurance Companies to process your requested financial product.
• Service Providers: Credit bureaus, KYC verification APIs, and secure cloud hosting providers (e.g., AWS/Google Cloud) bound by strict non-disclosure agreements.
• Legal & Regulatory Authorities: When legally mandated by court orders, government agencies, or regulatory bodies (RBI/IRDAI) for investigation or compliance purposes.

We implement industry-standard security measures, including 256-bit SSL encryption and secure API gateways, to protect your data against unauthorized access or alteration.

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy or as mandated by the statutory retention laws of India. Once the purpose is fulfilled and the legal retention period expires, your data is securely deleted or anonymized.

Under applicable data protection laws, you possess the right to:

• Access and review the personal information you have provided to us.
• Request corrections to any inaccurate or incomplete data.
• Request the deletion of your account and data ("Right to be Forgotten"). Please note that data deletion requests are subject to the mandatory retention guidelines imposed by the RBI/IRDAI on our lending and insurance partners.

The Company reserves the right to modify or update this Privacy Policy at any time to reflect changes in legal or regulatory frameworks. Any significant changes will be updated on this page. Continued use of the Platform signifies your acceptance of the updated policy.

If you have any questions, concerns, or discrepancies regarding the processing of your personal data, please contact our designated Data Grievance Officer:

• Email: grievance@apnizaroorat.com
• Address: 937, Subhash Chowk, Jaipur, Rajasthan 302002.
• Response Time: We strive to acknowledge data-related queries within 48 hours and resolve them within the legally mandated timeframe.