This Privacy Policy explains how the Neesan Rupee mobile application (“App”) collects, processes, stores, and protects user information. The loan services available through the App are provided by NEESAN INVESTMENT AND FINANCE LIMITED, a Non-Banking Financial Company (NBFC) registered in India. By using the App, you agree to the practices described in this policy.
NEESAN INVESTMENT AND FINANCE LIMITED
Address: 54-55 Shyam Bhawan Bagh Diwar Fatehpuri, Delhi, India – 110006
CIN: U74899DL1995PLC066518
NBFC Registration No.: B-14.02043
Email: services@neesaninvestment.com
Phone: +91 9315691465
Information is collected solely to:
verify user identity and complete KYC requirements
assess credit eligibility and repayment capacity
process loan applications and disburse funds
prevent fraud and misuse of the platform
comply with legal and regulatory obligations
No data is collected for purposes unrelated to these services.
We may collect your name, date of birth, PAN or Aadhaar details, mobile number, email address, and address proof. This information is required for identity verification and regulatory compliance.
This includes bank account details, income information, employment status, repayment history, and credit bureau data. It is used to evaluate eligibility, calculate repayment schedules, and manage loan servicing.
To ensure secure operation of the App, we may collect device model, operating system version, IP address, and unique device identifiers. This helps detect abnormal activities and protect user accounts.
The App may request certain permissions. Each permission is used only for the purposes stated below:
Camera – to capture KYC documents and user photographs required for verification.
Photos/Files Storage – to upload identity documents or download loan-related files such as agreements.
Location – to confirm service availability region and support fraud prevention.
Contacts – to help verify user identity and reduce misuse of the platform.
Device Information – to recognize the device and secure the account from unauthorized access.
SMS (if requested with consent) – to read financial transaction messages for assessing repayment ability.
Users may deny or revoke permissions at any time from device settings. However, some services may not function if essential permissions are disabled.
All loans shown in the App are issued directly by NEESAN INVESTMENT AND FINANCE LIMITED, an RBI-registered NBFC. Lending operations follow applicable Indian laws, RBI guidelines, and fair practice standards.
We apply security controls such as encryption, secure servers, limited staff access, and monitoring systems to protect data against loss, misuse, or unauthorized disclosure.
Data may be shared only in necessary situations, including:
with regulators or courts when legally required
with credit bureaus for credit assessment
with authorized verification partners
with recovery agencies in case of default
with user consent for specific purposes
Personal data is not sold to any third party for advertising.
Information is retained only for as long as needed to:
provide loan services
meet legal record-keeping duties
handle disputes or investigations
After the required period, data is securely deleted or anonymized.
You may request to:
view or update your personal information
correct inaccurate records
seek deletion where legally allowed
withdraw optional consent
Requests can be sent to: services@neesaninvestment.com
This policy may be updated when required by law or business processes. The latest version will be available in the App. Continued use indicates acceptance of changes.
NEESAN INVESTMENT AND FINANCE LIMITED
54-55 Shyam Bhawan Bagh Diwar Fatehpuri, Delhi, India – 110006
Email: services@neesaninvestment.com
Phone: +91 9315691465