PRIVACY POLICY

Effective Date : 31st December 2025

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

Nivasa Finance, operated by Niketan Financial Services Private Limited. (“Nivasa 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 referred to as 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

We collect various types of information to provide and improve our services, facilitate transactions, and enhance user experience on the Platform:

Personal Information: Information you provide to us voluntarily, including but not limited to:
1. Name, contact details, address, date of birth, and identification details (e.g., PAN, VoterId).
2. Employment, income, and other financial details are required to assess loan eligibility.
Sensitive Personal Data:
1. Financial details, including banking transaction history.
2. Credit scores or credit information when required and consented to by the user.
Usage Data:
1. Information about how you access and interact with our Platform, including IP address, device details, browser type, and page views.
2. Data about your usage patterns, preferences, and activities on the Platform.
Cookies and Tracking Information:
1. We use cookies, pixels, tags, and similar technologies to understand user behaviour, deliver a personalised experience, and improve our services.

How We Share Your Information

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

With Lending Partners and Service Providers:
1. To facilitate loan applications, process financial transactions, and provide ancillary services.
2. To enable third-party service providers to perform functions on our behalf, such as customer support, data analysis, marketing, and technical support.
For Legal Compliance:
1. To comply with any legal obligation, respond to government or regulatory requests, and protect the rights and safety of Nivasa Finance, our users, or the public.
2. When required by law or legal processes, such as subpoenas, court orders, or regulatory investigations.
In Connection with Business Transfers:
1. In a merger, acquisition, restructuring, sale of assets, or bankruptcy, your information may be transferred as part of business assets.

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

With Lending Partners and Service Providers:
1. To facilitate loan applications, process financial transactions, and provide ancillary services.
2. To enable third-party service providers to perform functions on our behalf, such as customer support, data analysis, marketing, and technical support.
For Legal Compliance:
1. To comply with any legal obligation, respond to government or regulatory requests, and protect the rights and safety of Nivasa Finance, our users, or the public.
2. When required by law or legal processes, such as subpoenas, court orders, or regulatory investigations.
In Connection with Business Transfers:
1. In a merger, acquisition, restructuring, sale of assets, or bankruptcy, your information may be transferred as part of business assets.

Data Security

We are committed to maintaining the security of your information. Nivasa Finance uses encryption, firewalls, access controls, and other security measures to protect your data from unauthorised access, alteration, or disclosure. Access to your information is restricted to authorised personnel, who must handle the information in compliance with our security policies.

Data Retention

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

Your Rights and Choices

As a user of Nivasa Finance, you have certain rights regarding your personal information, which may include:

• Access: You may request access to the personal data we hold about you.

• Correction: You may request correction of any inaccurate or incomplete information.

• Deletion: You may request the deletion of your data, subject to legal and contractual limitations.

• Data Portability: Where applicable, you may have the right to receive your data in a commonly used, machine-readable format.

• Withdraw Consent: If you have provided consent for data processing, you may withdraw it at any time by contact us.

To exercise these rights, please email us at privacy@nivasafinance.com. We will respond to your requests 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 the use of cookies through your browser settings. Please note that disabling cookies may limit certain features and functionality of our Platform.

International Data Transfers

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

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 us with personal data, we will take steps to delete such information from our records.

Changes to This Privacy Policy

Nivasa Finance reserves the right to update or amend this Privacy Policy anytime. Any changes will be posted on this page, and we encourage you to review the Policy periodically. If we make material changes to this Policy, 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 - 560051, Karnataka.

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 - 560051, Karnataka.

Contact Us

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

This Privacy Policy outlines our commitment to protecting your privacy and information. We are dedicated to fostering a secure and transparent environment and appreciate your trust in Nivasa Finance.

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

This Privacy Policy outlines our commitment to protecting your privacy and information. We are dedicated to fostering a secure and transparent environment and appreciate your trust in Nivasa Finance.