1. Introduction
This Privacy Policy explains how AJ Finance (“we,” “our,” or “us”) collects, uses, discloses, and protects information about our users (“you” or “user”). AJ Finance operates as a loan intermediary / Direct Selling Agent (DSA) that connects users to licensed lending partners for loan products. By using our website, mobile application, or services, you agree to the practices described in this Privacy Policy.
2. Scope and Regulatory Compliance
AJ Finance provides technology and matching services only. We do not underwrite or directly disburse loans unless explicitly stated and supported by valid licensing documentation uploaded in the Play Console. For each country or region where we facilitate loans, we will maintain copies of the required licenses and make these available to Google Play and regulators as required. You can also request copies of partner license documents via the contact details below.
3. Information We Collect
- Personal Information: Full name, email, phone number, postal address, date of birth, government ID (passport, Aadhar, PAN) — only when required to process loan applications and identity verification.
- Financial Information: Bank account details, income documents, employment information, credit and loan application information — provided by you to evaluate eligibility and for partner lenders to underwrite loans.
- Device & Usage Information: IP address, device identifiers, browser type, pages visited, clicks, time spent, and crash logs for product improvement and fraud detection.
- Cookies & Tracking: Cookies, pixels and similar technologies used for analytics, personalization, and security.
4. How We Use Your Information
- To submit and process loan, credit card, and insurance applications with our partner lenders.
- To verify identity and prevent fraud, including KYC checks required by our lending partners and local regulators.
- To provide personalized product recommendations, offers, and customer support.
- To comply with legal and regulatory obligations and respond to lawful requests from governmental authorities.
- To analyze, improve, and secure our services (product analytics, performance monitoring, security testing).
5. Transparent Loan Disclosures & Consumer Protections
AJ Finance and our lending partners will provide clear, prominent disclosures to consumers on all loan offers, including:
- Maximum APR / Interest Rate: The maximum Annual Percentage Rate (APR) will be stated in the loan offer and calculated in accordance with applicable local law.
- Repayment Terms: Minimum and maximum repayment periods, repayment schedule, late fees, and example repayment calculation will be displayed before a user accepts a loan.
- Representative Example: A worked example will show the total cost of credit (principal + interest + fees).
6. Prohibited or Restricted Practices
We do not and will not:
- Offer loans with repayment required in 60 days or less (where restricted).
- Offer or promote high-cost loans that violate local or Google Play rules.
- Sell personal data for marketing purposes.
7. Sharing Your Information
AJ Finance may share personal and financial information with:
- Partner banks and licensed lenders (we will list names and license numbers).
- Service providers (payment processors, identity verification, cloud providers, analytics vendors).
- Government/regulatory authorities or law enforcement when required by law.
8. Data Minimization & Sensitive Data
We collect only the sensitive personal data necessary to provide our services. Sensitive data is processed only with your explicit consent and securely transmitted.
9. Data Retention
We retain personal information as long as necessary to provide our services, comply with legal obligations, and prevent fraud.
10. Security Measures
- Encryption of data in transit (TLS) and encryption at rest.
- Role-based access controls and audit logging.
- Periodic security audits and vulnerability scanning.
11. Your Rights & How to Exercise Them
- Access personal data we hold about you.
- Request correction of inaccurate data.
- Request deletion (subject to legal obligations).
- Withdraw consent where applicable.
12. Cookies & Tracking
We use cookies and similar technologies for essential operations, analytics, and personalization.
13. Third-Party Links & Providers
We may link to third-party websites and services. AJ Finance is not responsible for third-party privacy practices.
14. Children’s Privacy
Our services are not intended for persons under 18 years old.
15. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in practices or legal requirements.
16. Play Console & Disclosure Compliance
We will complete the Financial features declaration in the Play Console and upload required license documentation.
17. Contact & Complaints
- Email: support@ajfinance.com
- Phone: +91-XXXXXXXXXX
- Address: AJ Finance, 123 Finance Street, New Delhi, India
18. Payments & Online Transactions
AJ Finance uses secure, RBI-authorized and PCI-DSS compliant third-party payment gateways for any online payments, such as loan repayments or service fees (if applicable). We do not store your full payment card or UPI credentials on our servers. All payment transactions are:
- Processed via 128-bit or higher encryption over HTTPS/TLS.
- Subject to mandatory two-factor authentication (as per RBI and local laws).
- Handled by trusted providers such as Razorpay, PayU, Paytm, or similar licensed entities.
- Recorded with digital receipts sent to the user’s registered email/phone.
Refunds, chargebacks, and disputes (if any) will follow the terms of the respective payment gateway and banking regulations. Users can contact us for transaction-related queries using the details provided above.
Effective Date: 08 September 2025
