Chhatisgarh Biri Patta PRIVATE LIMITED, through its digital lending platform mPokket-personal loan app, operates as a versatile multi-purpose financial company dedicated to expanding financial inclusion. We specialize in designing accessible and responsive credit products for traditionally underserved communities, while maintaining a steadfast commitment to user privacy and stringent data security across our digital ecosystem.
This Privacy Policy describes the information collected by "mPokket-personal loan app" (referred to as "we," "us," or "our") and explains how we use, store, and share this data. It applies to all personal information obtained during your registration, use of our mobile application, interaction with our services, and any other engagement with our platform.
Before accepting this agreement, please carefully review this Privacy Policy to ensure you fully understand its content. By accessing or using our services, you acknowledge that you have read, comprehended, and agreed to all terms stated herein. Should you disagree with any part, please discontinue use of our services immediately.
We collect only the personal data necessary and relevant for our services, which may include identity verification details, financial information, device data, and other materials essential for processing loan applications. Such information is retained only as long as required to fulfill legal obligations or the original purposes for which it was collected.
This Privacy Policy applies solely to information collected through our platform. We are not responsible for the privacy practices of any third-party websites, services, or applications linked to or associated with our platform. Any interaction with external parties is governed by their respective policies, and we do not endorse or assume liability for their actions.
By using the mPokket-personal loan app, you consent to the collection and processing of your personal data as outlined in this policy. We may update this Privacy Policy from time to time, and any changes will be communicated through the app. Your continued use of our services constitutes acceptance of the revised terms.
We gather specific Personal Information from you. Such information may be supplied by you in person—such as when you create an account to utilize the Service through the App, or at any other time when you impart Personal Information to us—or it may be obtained from third parties, or it may be automatically collected when you engage with the App. Our collection of information can take various forms and serve a variety of purposes, including those allowed under Applicable Law.
When you register the account
When you register for the Service, we will collect your information such as (1) GPS Location; (2) Calendar; (3) Device information; (4)Contact List
When you use the App or use our Website
Whenever you use the App or visit our Website, we may collect certain technical data concerning your usage such as, internet protocol (IP) address, information as web pages previously or subsequently viewed, duration of every visit/session, the internet device identity (ID) or media access control address, and also information regarding the manufacturer, model and operating system of the device that you use to access the App or our Website.
Collect information from third parties
In providing our services, we work with a range of third parties — such as credit reference agencies, financial institutions, mobile network operators, debt collection agencies, affiliates, vendors, contractors, and other service providers. We may receive personal information about you from these partners, strictly for purposes relevant to our collaboration or their assigned functions. We take reasonable measures to ensure that these third parties have obtained your necessary consent to share such information with us, in compliance with this Privacy Policy and applicable legal requirements.
Access other permissions with your consent
GPS Location
We only obtain location information (GPS) with your explicit authorization, primarily for identity verification and anti-fraud risk assessment to ensure account security and optimize credit services. This information helps verify the authenticity of your information, monitor abnormal operations, and assist in the credit assessment process. All location data is encrypted and used only for the agreed service purposes. You can manage or disable this permission at any time through your device settings.
Calendar
With your voluntary authorization, we may request access to your calendar to provide you with more personalized repayment management services. This permission allows the system to automatically identify repayment dates and send you friendly reminders in advance, helping you fulfill your repayment obligations on time and maintain a good credit record. We promise not to collect, store, or use any other personal information or content in your calendar. This permission is not a prerequisite for using the service, and you can disable this authorization at any time in your device settings.
Device Information
During your use of our services, to ensure account security, optimize product experience, and meet compliance requirements, we will collect your device information to a necessary extent. This information may include device model, operating system version, unique device identifier, network status, application runtime logs, etc.
The main purposes of this collection include:
Security risk control and anti-fraud: Identifying device association risks and preventing identity theft, bulk registration, malicious attacks, etc.;
Service analysis and optimization: Statistically analyzing overall usage, diagnosing and resolving technical issues, and continuously improving product performance.
We promise that device information will be anonymized or de-identified and will not be unnecessarily associated with your personally identifiable information.
Contact List
To complete necessary identity verification and prevent financial fraud risks, we will access your contact information with your explicit consent. This permission will only be used to assist in confirming your identity by verifying contact information when you apply for a loan, and is an important part of the anti-fraud process. We promise that we will only read necessary information directly related to verification (such as contact names), and will not collect, store, or analyse other content in your contact list, nor will we use your contact information for any purpose unrelated to the service. All related data will be encrypted and deleted promptly after the verification purpose is completed.
2.1. Submission of True and Accurate Information
You are responsible for providing us with information, including personal data, that is true, accurate, and not misleading. You must keep this information updated and inform us of any changes as soon as reasonably practicable. We reserve the right to request documentation to verify the information you have provided.
2.2 Voluntary Submission of Personal Data: We can only collect your personal data if you voluntarily submit it to us. Please be aware that if We can We only collect your personal data if you voluntarily submit it to us. Please note that if you choose not to provide your personal data, or later withdraw your consent for us to use it, we may not be able to provide you with some or all of the services available through the platform.
You have the right to control the disclosure of your personal data. Our company will only disclose your personal data to third parties under the following circumstances, and such disclosure will be limited to the scope authorized and consented to by you:
• Disclosure to our internal personnel, including employees, agents, holding companies, subsidiaries, and affiliates, for legitimate business and operational purposes.
• Disclosure to enable transactions or services you have specifically requested, with your explicit written or recorded consent.
• Disclosure to the Credit Information Corporation (CIC) or other legally recognized credit reporting agencies in compliance with applicable regulations.
• Disclosure as required by a court order, government directive, or any lawful request from an authorized agency.
We may also share your information with collection agencies, legal representatives, and other authorized agents to enforce our contractual and legal rights. Furthermore, we may disclose your data to trusted third-party service providers solely for the purpose of supporting our lending operations, such as fund management, payment processing, verification services, and customer communication.
To facilitate your loan application and service delivery, we may share necessary personal data with third-party partners, including funding institutions, payment processors, post-loan management services, identity verification providers, messaging platforms, and customer outreach partners. Any such sharing will be conducted under strict confidentiality agreements and only to the extent necessary for fulfilling the intended service.
Personal data shall be processed, collected, used, disclosed, stored, and retained for the following purposes:
The following are the purposes for which personal data is processed:
To verify the identity of users.
To contact users regarding their registered account(s) or requested information.
To handle the registration of account(s) and to make or assist in making decisions as part of the screening of investors, borrowers, registrations, or loan applications, and/or to deliver our products and/or services to the user and any directly related purposes.
To support loan processing, including application, review, monitoring, payment, collection, and other remedial actions.
To keep internal records.
The Company may use your information for the following purposes: marketing and offering new, related, or complementary products and services; conducting identity verification, background checks, fraud monitoring, detection, analysis, and prevention; preventing, detecting, and investigating actual or suspected illegal activities and managing commercial risks; performing data analytics, tracking, and market research to better understand customer locations, preferences, and demographics; and developing tailored offers, products, marketing programs, and service improvements to provide you with a range of customized products and services that meet your financial needs. The Company also conducts data research to investigate disputes, payment issues, suspected illegal activities, and fraud.
To carry out marketing and promotional activities on behalf of the Company, its local affiliates, partners, and related products and services—including through electronic means such as email, postal mail, telephone, SMS, and social media—we may use your information to send newsletters and updates about new products, features, events, contests, demonstrations, loyalty programs, and other activities organized by the Company and/or its affiliates. These communications will pertain exclusively to products and services within the financial sector.
To develop, enhance, and maintain an offline and online risk assessment process and model.
To develop and generate a credit score, credit model, and user model.
To enroll/participate the user in group credit and/or life insurance, credit risk analysis, credit investigation, credit scoring, and credit collection on the user.
To perform user location search.
Execute, monitor, manage, and analyze the Platform. Develop, enhance, and upgrade the platform's features, functions, products, and services, including promotions, loyalty, and reward programs.
Respond to user queries and requests.
Facilitate business asset transactions (which may include mergers, acquisitions, or asset sales) for the company.
Facilitate and, as may be required, support any financing or capital raising activity (i. e. Obtaining loans, credit facilities, mortgages, assignments, and assignments as a form of security or mortgage of loans.
Initiating and maintaining correspondence with the user via electronic mail (e-mail), SMS (short messaging service), in-app messages/communications, registered mail, phone calls, or field visits.
To provide information to external parties such as government agencies and other institutions as part of scientific research and/or study.
For any other legal and/or regulatory purposes (including, but not limited to, obtaining legal advice and dispute resolution) and legitimate business purposes.
To carry out all mandatory administrative, operational, and legal duties.
5.1 During the facial recognition process, you will be required to take a real-time facial photo. This biometric data is collected solely for identity verification, loan application confirmation, and fraud prevention purposes, in order to ensure the security and authenticity of transactions.
5.2 Your facial photo data will be transmitted through encrypted channels to our secure server (https://api.mocamocatech.com) and stored in compliance with financial data protection standards. This data will be retained until the full repayment of the loan principal and interest, or for a longer period if required by applicable laws and regulations, such as the Cybersecurity Law and the Personal Information Protection Law.
5.3 We commit to sharing your facial biometric data with third parties only under the following legal circumstances: when it is necessary to submit evidence to courts or arbitration institutions for loan-related disputes; or when ordered by competent judicial authorities or government agencies in accordance with lawful investigation requests or legal documents. The relevant judicial or administrative authorities will determine the retention period based on their statutory powers. All data processing strictly complies with national personal information protection laws and employs financial-grade security measures.
The Company recognizes the vital importance of protecting all personal data collected, processed, and stored through our platform. We have established a comprehensive framework of technical, organizational, and physical security measures designed to preserve the confidentiality and integrity of your information.
Our security approach incorporates industry‑standard practices to prevent unauthorized access, disclosure, alteration, or destruction of your data. This includes the use of robust encryption, strict access controls, and regular security assessments. Nevertheless, it is important to understand that no method of electronic transmission or storage can be guaranteed as absolutely secure.
While we continuously strive to maintain a secure operating environment and strengthen our safeguards against potential incidents, we cannot eliminate all risks associated with evolving cyber threats. Due to the constantly changing nature of cybersecurity, we are unable to provide absolute assurance against sophisticated attempts to compromise our systems.
We strongly encourage users to adopt sound security practices on their personal devices and networks as an additional layer of protection. In the event of a security incident that affects your data, we will notify affected users in a timely manner in accordance with applicable legal requirements.
Our commitment to data protection remains unwavering, and we continually review, adapt, and enhance our security measures to address emerging challenges in the digital landscape.
You agree to inform us promptly, and in any event, within 14 calendar days, in writing if there are any changes to your information supplied to us from time to time. You also agree to respond promptly to any request from us.
7.1. When:
7.1.1. You failed to promptly provide any user information or personal data that we reasonably requested. If you withhold or withdraw any consents that we may need to process, transfer, or disclose Personal Data for the purposes set out in this Privacy Policy (except for purposes connected with marketing or promoting products and services to you) or if we have, or a member of the Company has, suspicions regarding financial crime or an associated risk, we may take the following actions:
7.2. We reserve the right to:
7.2.1. We may be unable to provide new services or continue to provide all or part of the services to you. In such an event, we reserve the right to terminate our relationship with you.
7.2.2. We may take actions necessary for us or a member of the Company to meet compliance or regulatory obligations.
7.2.3. We may suspend, transfer, or close your account(s) where permitted under local laws.
As a valued customer, you have the right to:
You have the right to access your personal data in the possession of the Platform.
You also have the right to revoke your consent to the processing of your personal data and to revise and/or delete your personal data in the possession of the Platform unless the conservation of the said data is mandatory by laws and regulations. In such cases, the Platform will not be liable for any retroactive effects.
Furthermore, you have the right to revoke, revise, and delete your personal data without any retroactive effects in all those cases in which such revocation, revision, and deletion do not imply the impossibility of fulfilling obligations derived from a current legal relationship between you and the Platform.
Please note that the aforementioned rights must be exercised in writing by email to the following email address: support@biripattacash.com Once the application has been submitted in the aforementioned terms, the Platform will issue the adopted determination.
This Privacy Policy may be updated from time to time and shall remain effective unless otherwise revised. Any amendments to this Privacy Policy will be published on the Platform and take effect immediately upon posting. Users and visitors are encouraged to review this Policy periodically to stay informed about how we handle data.
Should significant changes be made to this Privacy Policy that affect the processing of certain Personal Data, the Company will notify Users via the email address on file or by posting a prominent notice on the Platform.
All consents and authorizations you provide under this Privacy Policy shall remain valid for the entire term of any loan agreement you enter into, as well as for any other related transactions, dealings, arrangements, or accounts maintained with the Company and its lending partners through the Services and/or the Platform.
Should you require assistance with any queries, errors, or doubts regarding changes to your account without your permission or any of your transactions, please contact our customer service center via email at support@biripattacash.com or mail to the relevant department with the following information to assist us better to investigate any errors or unusual activities on your account:
• Your registered name and phone number;
• The time and date of such transactions or changes;
• Error description and reference code (if applicable);
• Contact name and address, including email address (if any).