Privacy Policy & Lender Disclosures

NEOFIRST TECHNOLOGIES INDIA PRIVATE LIMITED operates the ClickPe platform and provides digital technology and loan facilitation services as a Lending Service Provider (LSP) and technology partner to regulated lending institutions.

Corporate Identity Number (CIN): U72200KA2023FTC170246
Registered Office Address: NO 806, B2 ALPINE ECO APT, DODDANEKUNDI MARATHALLI, BANGALORE-560037

ClickPe itself does not independently extend credit, disburse loans, or act as a banking or financial institution. All loan products, lines of credit, and financing facilities displayed or offered through the ClickPe mobile application and website are provided directly by our respective regulated lending partners (Reserve Bank of India registered Non-Banking Financial Companies (NBFCs) and Banks) identified with each loan offer.

When you submit a loan application on ClickPe, the loan decisioning, underwriting, credit sanctioning, loan agreement execution, and money disbursement are performed directly by the assigned regulated lending partner.

In compliance with the Reserve Bank of India (RBI) Guidelines on Digital Lending and Apple App Store Review Guidelines, the loan products offered through ClickPe are provided by the following regulated lending institutions:

To provide loan facilitation services, verify your identity, prevent fraud, and satisfy RBI digital lending guidelines, we collect the following categories of information:

• Identity & Contact Data: Full Name, Mobile Number, Email Address, Date of Birth, Gender, Residential Address, Permanent Address.
• Government KYC Data: PAN Card Number, Aadhaar details / e-KYC verification status, Voter ID, Passport, or driving license details, and selfie photograph.
• Employment & Business Information: Employer name/Business name, business address, business vintage, GSTIN, nature of business, monthly/annual income details.
• Financial & Banking Data: Bank Account Number, IFSC code, bank branch, bank statements, account transaction details, repayment capabilities.
• Credit Information: Credit score, credit history reports, active loan accounts, and repayment track records obtained from authorized Credit Information Companies (CIBIL, Experian, Equifax, CRIF High Mark) with your explicit consent.
• Device Diagnostics & Telemetry Data: Unique Device Identifiers (Android Device ID / iOS Vendor ID), hardware model, operating system version, IP address, network details, app crash logs for security and fraud prevention.
• Financial Transactional SMS Data: With explicit runtime consent, automated parsing of financial transaction SMSs strictly for assessing income stability and credit risk during the onboarding journey. Personal or private SMSs are never accessed or stored.
• Location Data: One-time/intermittent coarse or precise location data collected with explicit permission during loan onboarding solely for fraud detection, anti-money laundering (AML), and address verification.

ClickPe strictly values your privacy. We do not sell, rent, or trade your personal data to any third parties for advertising or independent marketing purposes.

Sharing with Lenders: The personal, KYC, employment, income, financial, credit, and device data collected by ClickPe is shared directly with the relevant regulated lending partner (Vivifi India Finance Private Limited, Hero FinCorp Limited / Prefr, Unity Small Finance Bank Limited, or Muthoot FinCorp Limited) selected by or assigned to you for your loan application.

Purposes of Sharing Data with Lenders:

• Performing digital Know Your Customer (KYC) and identity verification as mandated by RBI.
• Evaluating creditworthiness, financial standing, risk scoring, and underwriting.
• Issuing sanction letters, loan terms, and key fact statements (KFS).
• Executing digital loan agreements and disbursing loan amounts to your designated bank account.
• Loan servicing, collection processing, repayment tracking, and customer support.
• Reporting credit history and repayment defaults to Credit Information Companies (CIBIL/Equifax/Experian/CRIF).
• Complying with statutory laws, RBI directives, anti-money laundering (AML) protocols, and legal audits.

In addition to our lending partners, we may share limited data with authorized third-party service providers who assist us in app operations (e.g., payment gateways, SMS/WhatsApp notification gateways, customer support tools, cloud server providers in India). All such third parties are bound by strict confidentiality and data protection agreements.

We may also disclose your information to statutory, legal, or regulatory authorities when required by law, court orders, or law enforcement investigations.

We enforce high-level technical, administrative, and physical security measures to safeguard your personal data. All data transmitted between your device and our servers is encrypted using Secure Sockets Layer (SSL/TLS) 256-bit encryption. All data collected is stored securely in cloud servers located physically within India.

We retain your Personal Information for as long as necessary to fulfill the services requested by you, or as required by applicable statutory laws, RBI regulations, and tax obligations. Basic transaction records and loan identifiers are retained for compliance audits.

You have the right to withdraw consent already granted, restrict data processing, rectify inaccurate information, or request the complete deletion of your ClickPe account and personal data.

*Note: If you have an active loan or outstanding dues with any of our lending partners, the Company and lending partners retain the statutory right to process necessary identity and transaction records until all credit facilities have been repaid in full.

If you have any questions, concerns, or grievances regarding this Privacy Policy, your data, or our lending partner disclosures, please contact us: