Your Information. Handled Responsibly.

Introduction

NEXA Loan Hub provides digital technology services that may enable customers to discover loan products, submit eligibility information, create loan applications, upload documents, track applications and communicate with customer support.

By accessing or using NEXA Loan Hub, you acknowledge that your personal information may be processed as described in this Privacy Policy and in accordance with applicable law.

Information We May Collect

Depending on the services used by the customer, we may collect information directly from the customer, automatically through platform usage, or from authorized service providers and lending partners.

Personal and Contact Information

• Full name, mobile number, email address and communication details.
• Date of birth, gender, residential address and other profile information submitted by the customer.
• Customer account information and authentication details used to access NEXA Loan Hub.

Loan Application Information

• Loan type, requested loan amount, preferred tenure and purpose of the loan.
• Employment type, employer or business information, occupation, income and financial profile.
• Application status, application history, remarks, pending actions and customer support interactions.

Identity and Verification Information

• Identity, address, income, employment, business and other documents submitted for application, verification or compliance purposes.
• Information necessary to perform KYC, identity verification, fraud prevention or regulatory checks where legally permitted and required.

Technical Information

• IP address, device type, browser information, operating system, user agent and access timestamps.
• Login history, security events, platform activity, application activity and technical logs.

How We Use Information

We may process information for legitimate platform operations and other purposes permitted under applicable law.

• To create and manage customer accounts.
• To provide loan product discovery and digital eligibility workflows.
• To create, process, manage and track loan applications.
• To facilitate communication between customers, authorized service providers and lending partners.
• To provide customer assistance and respond to support enquiries.
• To perform security monitoring, fraud detection, abuse prevention and platform protection.
• To maintain operational records and comply with legal, contractual and regulatory obligations.
• To improve platform functionality, customer experience, service quality and technical performance.

Financial and Credit Information

Loan eligibility and application journeys may require customers to provide financial information such as monthly income, employment information, business details, existing obligations, bank information and other information relevant to credit assessment.

Where credit bureau information, account aggregator information, bank statement analysis or other regulated financial information is used, such information should be accessed only through lawful mechanisms, appropriate customer consent, authorized providers and applicable regulatory frameworks.

How Information May Be Shared

Customer information may be shared only when reasonably necessary to provide services, comply with applicable obligations, protect the platform or when otherwise permitted by law.

• With lending partners when a customer selects, requests or consents to an applicable loan application journey.
• With identity verification, document processing, communication, cloud hosting, cybersecurity, analytics and other authorized service providers.
• With professional advisers, auditors and legal representatives where reasonably necessary.
• With government authorities, courts, regulators or law enforcement agencies when legally required.
• In connection with a lawful corporate reorganization, merger, acquisition or transfer, subject to applicable legal requirements.

NEXA Loan Hub should not sell personal information to unrelated third parties for their independent marketing purposes.

Lending Partners and Third-Party Services

Loan products displayed on NEXA Loan Hub may be provided by third-party banks, NBFCs or other authorized lending institutions.

When a customer chooses to proceed with a particular loan product, customer information may be transmitted to the relevant lending partner or authorized service provider in accordance with customer consent, contractual arrangements and applicable law.

Third-party lenders and service providers may have their own privacy policies and data processing practices. Customers should review the applicable privacy policy, loan agreement, key fact statement and other disclosures provided by the relevant lender.

Data Security

We aim to implement reasonable administrative, technical and organizational safeguards designed to protect customer information against unauthorized access, disclosure, alteration, loss, misuse and destruction.

• Access controls and authorization mechanisms.
• Secure authentication and session management.
• Logging and monitoring of important security events.
• Secure transmission mechanisms where appropriate.
• Database access restrictions and infrastructure security controls.
• Security review and incident response processes.

Data Retention

We may retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including application processing, customer support, fraud prevention, security, dispute resolution, contractual requirements and compliance with applicable law.

Retention periods may vary depending on the category of information, status of a loan application, lending partner requirements and legal or regulatory obligations.

Information that is no longer required should be securely deleted, anonymized or otherwise handled in accordance with applicable retention policies and legal requirements.

Cookies and Similar Technologies

NEXA Loan Hub may use cookies, local storage, session technologies and similar mechanisms to operate customer sessions, maintain security, remember preferences, measure platform performance and improve user experience.

Customers may control certain cookies through browser settings. Disabling required cookies or storage mechanisms may affect login sessions and platform functionality.

Your Privacy Rights and Choices

Subject to applicable law and identity verification requirements, customers may have rights regarding their personal information.

• Request information about personal data processed by NEXA Loan Hub.
• Request correction of inaccurate or incomplete personal information.
• Request deletion or erasure where legally permitted.
• Withdraw consent for certain processing activities where processing is based on consent.
• Raise complaints or grievances regarding privacy and personal data processing.

Certain requests may be restricted when information must be retained for legal, regulatory, security, fraud prevention, contractual or dispute resolution purposes.

Children's Privacy

NEXA Loan Hub loan application services are not intended for individuals who are not legally eligible to enter into applicable loan transactions.

We do not knowingly provide loan application services to children where prohibited by applicable law.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in platform services, legal requirements, regulatory guidance, technology, security practices or business operations.

When material changes are made, the updated policy and revised effective date may be published on NEXA Loan Hub or communicated through other appropriate methods.

Customers should periodically review this Privacy Policy for updates.

Contact and Privacy Requests

If you have questions, concerns or requests regarding this Privacy Policy or the processing of your personal information, you may submit a request through the NEXA Loan Hub contact page.

To protect customer information, we may require identity verification before processing certain privacy requests.