AARAMBH MICRO CREDIT FORUM

Privacy Policy for Internal Mobile Application

AARAMBH MICRO CREDIT FORUM ("we," "our," or "us") is committed to protecting the privacy and security of the information collected through our mobile application.

This mobile application is developed exclusively for the authorized employees and field executives of AARAMBH MICRO CREDIT FORUM. It is intended solely for official business operations related to customer onboarding, loan processing, and loan management. The application is not intended for use by the general public or consumers.

Information We Collect

During the course of official business activities, the application may collect the following information:

• Employee login information
• Customer name and contact details
• Customer address
• Customer photographs
• KYC documents such as Aadhaar, PAN Card, Voter ID, Driving License, or other government-issued identity documents
• Loan application details
• Loan group information including CGT and GRT details
• Loan repayment and collection details
• Images captured using the device camera

Purpose of Data Collection

The information collected through the application is used only for legitimate business purposes, including:

• Registering loan applicants
• Performing Know Your Customer (KYC) verification
• Capturing customer photographs and supporting documents
• Processing and managing loan applications
• Managing CGT and GRT activities
• Recording loan repayments and collections
• Maintaining internal operational records
• Preventing fraud and unauthorized activities
• Complying with applicable legal and regulatory requirements

Camera Permission

The application requires Camera permission to:

• Capture customer photographs
• Capture KYC documents
• Capture supporting documents required during loan processing
• Capture images related to field verification activities

The camera is used only when initiated by the authorized employee.

Location Permission

The application requires Location permission to:

• Verify customer visit locations
• Record field verification locations
• Improve the accuracy of field operations

Location information is collected only while performing authorized business activities and is not collected continuously in the background unless required for a specific business function.

Storage and Media Access

The application may request access to device storage or media to:

• Upload customer photographs
• Select required images from the device

Internet Access

Internet access is required to:

• Synchronize application data securely with company servers
• Upload customer information and documents
• Download application updates and operational data

Data Sharing

AARAMBH MICRO CREDIT FORUM does not sell, rent, or trade personal information.

Information collected through the application may be shared only with:

• Authorized employees of AARAMBH MICRO CREDIT FORUM
• Authorized technology service providers supporting the application
• Banking or financial partners involved in loan processing, where applicable
• Government authorities or regulatory agencies when required by applicable law

Data Security

We implement appropriate administrative, technical, and organizational security measures to protect information against unauthorized access, alteration, disclosure, misuse, or destruction.

Access to customer information is restricted to authorized personnel only.

Data Retention

Customer information is retained only for as long as necessary to fulfill operational, contractual, legal, and regulatory obligations.

Children's Privacy

This application is not intended for individuals under the age of 18 years and does not knowingly collect personal information from children.

Third-Party Services

The application may use trusted third-party services to improve reliability and performance, including:

• Google Play Services
• Firebase Cloud Messaging
• Firebase Crashlytics

These services operate under their own respective privacy policies.

Changes to this Privacy Policy

We reserve the right to update this Privacy Policy from time to time. Any changes will be posted on this page along with the updated effective date.

Contact Us

If you have any questions regarding this Privacy Policy or the handling of personal information, please contact us: