Privacy Policy | Nivāsa Finance

Effective Date: 31 December 2025

"Nivāsa Finance" is a brand used by Niketan Financial Services Private Limited, which is a sister concern of Nivāsa Capital Private Limited. Both are wholly owned subsidiaries of OKA Housing Technologies Private Limited.

Nivāsa Finance, operated by Niketan Financial Services Private Limited ("Nivāsa Finance," "we," "our," or "us"), respects your privacy and is committed to safeguarding your personal information. This Privacy Policy describes how we collect, use, and protect your information when you interact with us through our website, mobile applications, or other platforms (collectively, the "Platform"). This Policy complies with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, under the Information Technology Act, 2000, and relevant data protection regulations applicable in India.

Information We Collect

Personal Information you provide voluntarily, including name, contact details, address, date of birth, and identification details (e.g. PAN, Voter ID), along with employment, income, and other financial details required to assess loan eligibility.
Sensitive Personal Data, including financial details such as banking transaction history, and credit scores or credit information when required and consented to by you.
Usage Data — how you access and interact with our Platform, including IP address, device details, browser type, page views, and usage patterns.
Cookies and Tracking Information — cookies, pixels, tags and similar technologies used to understand user behaviour, deliver a personalised experience, and improve our services.

How We Share Your Information

Nivāsa Finance does not sell your personal information. We may, however, share it under the following circumstances:

With lending partners and service providers — to facilitate loan applications, process transactions, and enable third-party service providers to perform functions on our behalf, such as customer support, data analysis, marketing, and technical support.
For legal compliance — to comply with legal obligations, respond to government or regulatory requests, and protect the rights and safety of Nivāsa Finance, our users, or the public.
In connection with business transfers — in a merger, acquisition, restructuring, sale of assets, or bankruptcy, your information may be transferred as part of business assets.

Data security: we use encryption, firewalls, access controls, and other security measures to protect your data from unauthorised access, alteration, or disclosure. Access is restricted to authorised personnel who must handle it in compliance with our security policies.

Data Retention

Your information is retained for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. If you request deletion of your data, we will fulfil your request unless retention is necessary to comply with our legal obligations or to protect our rights.

Your Rights and Choices

Access — request access to the personal data we hold about you.
Correction — request correction of any inaccurate or incomplete information.
Deletion — request deletion of your data, subject to legal and contractual limitations.
Data Portability — where applicable, receive your data in a commonly used, machine-readable format.
Withdraw Consent — withdraw previously given consent for data processing at any time by contacting us.

To exercise these rights, email us at privacy@nivasafinance.com. We will respond according to applicable laws and regulations.

Cookies and Tracking Technologies

We use cookies, pixels, and similar tracking technologies to understand how you use our Platform, improve our services, and deliver a more personalised experience. You can control cookies through your browser settings; disabling them may limit certain features of the Platform.

International Data Transfers

Your personal information may be processed in jurisdictions outside of India, subject to local data protection laws. We ensure such transfers comply with applicable data protection laws and that appropriate safeguards are in place.

Children's Privacy

Our services are not directed at children under 18, and we do not knowingly collect personal information from minors. If we become aware that a minor has provided personal data, we will take steps to delete it from our records.

Changes to This Privacy Policy

Nivāsa Finance reserves the right to update or amend this Privacy Policy at any time. Changes will be posted on this page, and we encourage you to review it periodically. If we make material changes, we will notify you via email or a notice on our Platform.

Contact Information

Email: contact@nivasafinance.com
Address: Niketan Financial Services Private Limited — NO.7/1 (Old No. 4/5) Ali Askar Road, Vasanth Nagar, H.K.P. Road, Bangalore North, Bangalore – 560052, Karnataka.

For further questions regarding this Privacy Policy, contact us at privacy@nivasafinance.com.