Written to the DPDP Act, 2023 and RBI digital lending rules. Section headers are in plain English on purpose.
| Kind | Specifics |
|---|---|
| Identity | PAN, and the result of an Aadhaar check. Your Aadhaar number itself is never stored. |
| Contact | Registered mobile, email, and address for KYC. |
| Financial | Bank statement data you share with consent, and your credit bureau report. |
| Device | Device ID and IP address. Never your contacts, photos, SMS or call logs. |
For KYC, underwriting your loan, disbursal, servicing your account, and meeting legal obligations. Nothing else. Purpose-limited, as the law requires.
Consent is granular and asked for each purpose. You can withdraw it as easily as you gave it, from inside the app.
Your lending partner, credit bureaus, and KYC agencies, to the extent each needs it. Your data is never sold, and never shared with marketers.
On encrypted servers in India only. We retain records for 8 years after your loan closes, as RBI norms require, then delete them.
Your contacts, gallery, SMS and call logs. Ever. Camera, microphone and location are used once, for KYC, only with your consent.
Access, correction, erasure after your loan closes, and nomination. Write to grievance@bindaas.in and we respond within 30 days.
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