Privacy Policy

1. Introduction

SthirApp ("we", "our", or "us") values your privacy. This Privacy Policy explains how we collect, use, store, process, and disclose information when you use our application and related services.

2. Information We Collect

Depending on how you use SthirApp, we may collect:

• Account details such as name, mobile number, email, and business information.
• Loan and collateral records entered by you.
• Transaction data including repayments, due dates, and outstanding balances.
• Device and log data including IP address, device type, and login activity.
• Support communication when you contact our team.

3. How We Use Information

We use information to:

• Provide and operate loan management services.
• Authenticate users and maintain account security.
• Send service messages including reminders, alerts, and authentication communication.
• Generate reports, improve features, and monitor service performance.
• Comply with legal, audit, and regulatory obligations.

4. WhatsApp Communication

We may use WhatsApp to send authentication and service-related communication, such as login verification, account security notifications, and important operational updates. We do not send unauthorized spam.

By providing your mobile number and using SthirApp, you consent to receiving these service messages. You may contact us if you believe any communication was sent in error.

5. Legal Basis and Compliance

We process data for contractual necessity, legitimate business purposes, security, and legal compliance. You are responsible for ensuring that your use of SthirApp complies with local lending and data protection laws.

6. Data Sharing

We do not sell personal data. We may share data only with:

• Trusted service providers (hosting, security, communication, analytics).
• Legal authorities when required by law, court order, or investigation.
• Professional advisors and auditors under confidentiality obligations.

7. Data Retention

We retain data as required for service operations, legal compliance, and audit obligations. Certain audit logs may be retained for up to 7 years.

8. Data Security

We implement industry-standard safeguards, including encrypted data transfer, access controls, and secure authentication measures. No internet-based transmission is completely secure, and users should also protect their account credentials.

9. Your Rights

Subject to applicable law, you may request to:

• Access, correct, or update your personal data.
• Request deletion of data where legally permissible.
• Raise objections about processing or communication preferences.

10. Third-Party Services

SthirApp may integrate third-party tools and platforms. Their use is governed by their own terms and privacy practices. We recommend reviewing those policies before using related features.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes become effective when posted on this page. Continued use of SthirApp means acceptance of the updated policy.

12. Contact Us

For privacy questions or requests, contact:

SthirApp Support Email: hello@sthirapp.com Phone: +91 6367819249