Privacy Policy
Last updated: June 2026
SamvitLoan is founded on the conviction that people deserve to know how their information is used. This Privacy Policy sets out, in clear and direct language, what data our mobile application ("App") collects, the purposes for which it is processed, how it is kept secure, and the rights you hold over it.
Continuing to use the App means you have read and accepted this Policy. If you do not agree with any part of it, please uninstall the App. We recommend reading this document alongside our Terms of Service, which governs the credit facility provided through the App.
Providing a reliable credit service requires us to gather specific categories of information. The following is a complete and transparent account of every data type we collect.
When you open an account, we collect your full legal name, date of birth, mobile number, email address, and the details from your government-issued identity document. All information is encrypted before transmission and stored exclusively at: server.samvitloan.com
Technical attributes sent by your device — including model identifier, operating system version, network IP address, and Google Advertising ID — are collected to maintain platform stability and detect security anomalies. This data is never used for advertising or credit-scoring purposes.
To protect against fraudulent activity, the App may read the package names and installation status of other apps on your device. No content, messages, credentials, or usage history from any other application is ever accessed. This information is used solely for fraud prevention.
Uploading identity documents requires camera access. Images are encrypted at the point of capture and transmitted directly to server.samvitloan.com for verification. They are permanently deleted once verification completes. The camera is never activated without your explicit action.
With your permission, approximate location data may be used to confirm that our service operates in your region. Precise GPS coordinates are never collected or stored. Location information has no bearing on credit decisions or advertising.
Aggregated, anonymised data describing how the App is used — session patterns, navigation flows, and error events — informs our ongoing efforts to improve performance and user experience. No individual user can be identified from this data.
Personal data is processed only for defined, legitimate purposes:
You may withdraw any optional permission at any time through your device settings. Features that rely on a specific permission may become unavailable, but your core credit account will remain active. We will never access data from permissions you have not granted.
SamvitLoan does not sell, rent, or trade your personal information. Data is shared with third parties only where strictly necessary and exclusively for the following purposes:
Every third-party partner is bound by contractual confidentiality obligations and is prohibited from using your data for any purpose other than what SamvitLoan's services require.
Security is embedded throughout our infrastructure. The following controls are maintained at all times:
If you believe your account has been accessed without authorisation, contact us immediately at support@samvitloan.com. We will investigate and respond without delay.
Personal data is held only for as long as the purpose for which it was collected remains active, or as required by applicable law — whichever period is longer.
Once your account is closed and any mandatory retention window has elapsed, your data is either permanently deleted or made irrecoverable through anonymisation. The precise retention period depends on the data category and the regulations that govern it.
SamvitLoan is a service for adults only. We do not accept registrations from individuals under 18, and our identity verification process is specifically designed to detect and block underage applications.
If we discover that an account belongs to a user under 18, we will close it immediately, cancel any open transactions, and delete all associated data. To report a concern about a minor's registration, please contact us at support@samvitloan.com.
As the person whose data we hold, you are entitled to:
To exercise any of these rights, write to us at support@samvitloan.com. We will respond within a reasonable timeframe after verifying your identity.
This Policy will be revised periodically to reflect changes to our services or applicable law. Significant amendments will be communicated through the App or by email before they take effect.
Minor corrections may be applied without advance notice and take effect immediately. The version date at the top of this page marks the current revision. Continued use of the App after any update constitutes acceptance of the revised Policy.
For questions, data requests, or any concern about how we handle your personal information, our team is ready to help.