The Company shall store and maintain your Personal Information as long as it is required for processing your request and as permitted by law in this regard. In the event, we are not in a position to process the Personal Information submitted by you in furtherance to the Services, the same shall be deleted immediately, unless is required by us to do so under law and/or as may be required for any internal or external audit purposes.

The Company is committed to comply with applicable laws to ensure all measures for storing that data are maintained are taken thereby making the data so received ‘Safe and Secure’ as prescribed by law.

The Company has necessary mechanism and tools in place to ensure all the data that are collected and stored are deleted as soon as the purpose as described in this Policy is completed, unless it is mandated by law to be maintained by the Company.

Any data destroyed shall be disposed of in a manner that protects the privacy of the Personal Information received by us from the user in an appropriate manner as per the industry standard practices and norms.

DATA PROTECTION

1. We have taken adequate measures to protect the security of Your Personal Information and to ensure that Your choices for its intended use are honoured. We take adequate precautions to protect Your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction. 
2. We assure You that Your information is safe and secure. We use industry standards, and physical, technical and administrative security measures to keep Your Personal Information confidential and secure and We shall not share your Personal Information with third parties, except as otherwise provided in this Policy. 
3. At Niyara Capital, data is stored in password-controlled servers with limited access to employees and other personnel or consultants on a need-to-know basis. 
4. Access to Your online account on the Website is password protected, and this helps to secure Your account information. You are solely responsible for maintaining the confidentiality of that password. To ensure safety of Your Personal Information, you are advised against sharing Your username and password with anyone. 

USE OF COOKIES 

Cookies are data files that are placed on your computer or mobile device when you first visit a website or page. They contain information created by a web server, such as IP address, operating system, referring URL that can be stored on a user’s hard disk for use during a session or for future use. Our cookies are session cookies which are only stored temporarily and are deleted from the user’s device when the browser is closed and cache is cleared.

You are requested to note that certain information and/or data may be automatically collected through the standard operation of the Company or through the use of ‘cookies’.

These Cookies themselves do not personally identify you, but they do identify your computer. You can erase or block this information by changing the settings on your computer. If you do erase or block this information you may not be able to utilise some features of the application.

Consent Withdrawal

User can revoke consent via: 

– Written request to – customercare@niyaracap.com

On Withdrawal 

 – No further data processing is done. 

 – Lending journey is paused (unless required for regulatory/legal retention) 

Response to revocation or grievances are addressed within 72 hours. 

Upon submitting this request, your consent will be revoked immediately, and your Credit Information Report (CIR) will be deleted instantly as per regulatory guidelines.