Privacy Policy

Kala Brothers Finance • Effective Date: 1 March 2026

Kala Brothers Finance ("we", "our", or "us") is committed to protecting the privacy and security of our users. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan management application and related services.

1. Information We Collect

a) Personal Information

Name, phone number, and email address
Residential address and identification details

b) Financial Information

Loan details and agreements
EMI schedules and repayment records
Transaction and payment history

c) Technical Information

Device information and IP address
App usage data and logs

2. Purpose of Data Collection

To manage and process loans and EMI tracking
To verify user identity and prevent fraud
To provide customer support and service updates
To improve application functionality and user experience
To comply with legal and regulatory requirements

3. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share your data only in the following cases:

With trusted service providers (cloud hosting, SMS, analytics)
With financial or legal authorities when required by law
To enforce our terms or protect against fraud and misuse

4. Third-Party Services

Our application may use third-party services such as Firebase, Supabase, and Twilio for authentication, database management, notifications, and communication. These services may process data according to their respective privacy policies.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal and financial data against unauthorized access, loss, misuse, or alteration. However, no digital platform can guarantee complete security.

6. Data Retention

We retain your data only for as long as necessary to fulfill business, legal, and regulatory obligations, including financial compliance requirements.

7. User Rights

Access and review your personal data
Request corrections or updates
Request deletion of your account and data

8. Data Deletion Requests

Users can request deletion of their data by contacting us via email. Upon verification, we will process the request within 7 working days, subject to legal obligations.

9. Contact Information

📧 Email: kalabrothersfinance@gmail.com

10. Updates to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.