Privacy Policy

This Privacy Policy describes how Bholanath Nidhi Ltd. (“Company”, “we”, “our”, “us”) collects, uses, stores, and safeguards the personal information of individuals (“User”, “Member”, “you”) who access or use our Nidhi Banking platform, website, mobile application, and related services. By using our Services, you agree to the practices described in this policy.

We may collect personal identification information such as your name, address, contact details, email address, date of birth, Aadhaar or PAN details, bank account information, and KYC documents whenever you register on our platform, apply for deposits or loans, complete verification steps, interact with customer support, or engage in any of our financial services. This information is submitted voluntarily by Users and is required for service delivery and regulatory compliance. Users may choose not to provide certain information, but doing so may limit access to essential banking features.

Along with personal information, we may also gather non-personal details such as browser type, device information, IP address, operating system, and technical data about how you interact with our platform. This helps us improve system performance, security, and user experience. Our website may use cookies—a small data mechanism stored on your device—to maintain sessions, remember preferences, and ensure secure usage. You may disable cookies through browser settings, although some features may not function properly without them.

The information we collect is used strictly for processing financial transactions, verifying identities as per KYC norms, maintaining your account, enhancing customer service, and sending important notifications related to account activities, updates, or regulatory requirements. We treat every piece of information with utmost care, adopting strict security practices such as SSL encryption, secure data storage, limited access protocols, and industry-standard protection measures to prevent unauthorized access, alteration, or misuse of personal and financial data.

We do not sell, trade, or rent your personal information to any external entity. However, we may share necessary data with trusted partners such as payment gateways, banking institutions, KYC verification agencies, or government authorities when legally required. These partners follow confidentiality and security standards aligned with our own. Our platform may also contain links to third-party websites whose content and privacy practices we do not control, and Users are encouraged to review their respective policies before interacting with them.

We reserve the right to modify or update this Privacy Policy at any time. Any changes will be reflected on our website with an updated revision date, and continued use of our Services will signify your acceptance of the revised terms. By accessing our platform, you confirm that you agree to this policy and its conditions; if you do not agree, you should discontinue use of our Services.

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, you may contact us at info@anantpay.in or reach us at +91 79764 19638. Bholanath Nidhi Ltd. remains committed to protecting your privacy and serving you with transparency, respect, and responsibility.