Privacy Policy

1. Scope of This Privacy Policy

This Privacy Policy applies to the Loan Doc Android application, package com.loana.personalutility, and to privacy or support communications you send to PHOENIX MICROSYSTEMS in connection with the app. It describes the current app's data practices, including information stored locally on your device and information that may be processed by integrated third-party software development kits (SDKs).

For naming consistency, Loan Doc is the app name and Credit Line is a descriptive financial-feature term that may appear in the Google Play title, short description, full description or in-app headings. This Privacy Policy governs the same application regardless of where that Credit Line descriptor appears.

This Policy does not replace any separate privacy notice, Key Fact Statement, sanction letter, credit agreement, regulated-entity notice or other financial disclosure that may be issued by an independent lender or financial institution if Loan Doc is later connected to such a service.

2. Who We Are

Loan Doc is developed and operated by PHOENIX MICROSYSTEMS. The application is presented as a Credit Line financial application and utility workflow. It allows users to explore credit-line categories, select a requested credit limit and preferred usage period, enter application information, review locally saved details, track an in-app application status, use financial calculators and contact support. The use of “Credit Line” in the Google Play title or product description does not change the identity of the application, which remains Loan Doc.

3. Loan Doc and Credit Line Features

Loan Doc is a credit-line-focused application. The app may present salaried, self-employed, student or other eligible credit-line journeys and may allow you to choose a requested credit limit, preferred usage period and illustrative rate; complete personal, employment, address and bank-detail screens; review the information entered; generate an in-app application reference; view an “Under Review” status; and use tools for eligibility, estimated repayment, affordability, interest, comparison, early repayment and repayment planning.

A credit line is generally a financial facility under which an approved user may be given access to a defined credit limit and may use an amount within that limit subject to the applicable provider's terms. Any actual approval, activation, available limit, withdrawal, disbursal, repayment schedule, charges, interest rate or reuse of repaid credit depends on the terms of the authorised financial provider, where such a provider is made available.

Figures, calculators, estimated repayment values, credit-limit ranges, rates and other values shown by Loan Doc are informational or illustrative unless expressly confirmed in a final agreement or Key Fact Statement issued by an authorised financial provider. Installing or using Loan Doc does not itself guarantee approval, activation, withdrawal availability, disbursal, pricing or any credit facility.

4. Personal and Financial Information You Provide

When you voluntarily use the application workflow, Loan Doc may ask you to enter information that is necessary to complete the in-app credit-line application screens. In the current build, these fields are stored locally in app-private preferences on your device.

You should provide only accurate information that belongs to you or that you are lawfully authorised to provide. Do not enter another person's PAN, bank account or identity information without a lawful basis and appropriate authority.

5. Aadhaar and User-Selected Documents

The current Loan Doc build includes a “My Documents” feature that lets you choose an Aadhaar front image and an Aadhaar back image. The app uses the Android system document picker rather than a broad photo/media permission. When you choose an image, Android gives Loan Doc access to that specific file, and the app saves the selected file's URI/reference so it can be displayed again later.

The current build does not copy or upload the Aadhaar image to a PHOENIX MICROSYSTEMS server or lender API. The original image remains in the storage location you selected. The app may retain permission to read that selected file until you replace it, remove app access, clear app data, or uninstall the app, subject to Android's storage behavior.

6. Information Automatically Processed by SDKs

Loan Doc integrates third-party SDKs for advertising, analytics, crash reporting, performance monitoring, install attribution and push notifications. Depending on device settings, SDK configuration, consent choices and applicable law, these providers may process technical or usage information such as:

• Advertising ID or similar resettable identifiers where permitted and available.
• Device model, operating-system version, app version, package name, language/locale and general device characteristics.
• IP address, network type, carrier/network information and approximate country or region inferred from network information.
• App interactions, screen/activity names, session timing, feature opens, ad requests, ad impressions and ad interaction events.
• Crash stack traces, non-fatal error information, diagnostics, app state and performance measurements.
• Firebase installation identifiers or other SDK-specific installation/device identifiers.
• Google Play install-referrer information such as campaign source, medium, campaign and installation/referral timestamps.
• Push-notification subscription/device identifiers, delivery status and notification interaction information used by OneSignal.

Our current analytics code is designed not to send your PAN, Aadhaar image, bank-account number, income value or other completed credit-line application-field values as Firebase Analytics event parameters.

7. Android Permissions and Minimum-Scope Access

The current application manifest requests a limited set of permissions for connectivity, notifications and advertising measurement. The current build does not request broad contacts, precise location, phone-number, call-log, SMS, microphone or broad photo/media-storage permissions.

8. How We Use Information

Depending on the type of information and feature used, information may be processed for the following purposes:

• To provide and maintain the Loan Doc application and its user interface.
• To remember the credit-line category, requested amount/limit, preferred usage period and application progress you selected.
• To save and display personal, address, employment and bank details that you entered in the current local application workflow.
• To generate and display a local application ID, local submission timestamp and local application status.
• To show calculations, repayment estimates, affordability guidance and other financial utility results.
• To display the specific Aadhaar images you voluntarily selected from the Android document picker.
• To provide customer/privacy support when you contact us by email.
• To deliver push notifications where you have allowed notification permission.
• To measure app acquisition, usage, screen performance, crashes and errors so we can maintain and improve the app.
• To display, measure, limit and troubleshoot advertisements.
• To protect the app, users and services against fraud, abuse, security incidents or unlawful activity.
• To comply with applicable law, enforce legal rights and respond to lawful requests.

9. Legal Basis, Notice and Consent

Where Indian privacy law or another applicable privacy law requires a lawful basis, our processing may rely on your consent, actions you take to request a feature, certain legitimate uses permitted by law, compliance with legal obligations, or another lawful ground available under applicable law.

For consent-based processing, we aim to present requests in clear language and limit processing to the purpose described. You may withdraw a consent where withdrawal is available and legally required; withdrawal will not affect processing that was lawful before withdrawal and may prevent the related optional feature from functioning.

We intend this Policy and any relevant in-app disclosure to operate consistently with applicable provisions of India's Digital Personal Data Protection Act, 2023 and Digital Personal Data Protection Rules, 2025 as those provisions apply and come into force, as well as other applicable legal requirements.

10. Local Device Storage

The current build uses Android app-private local preferences to store much of the credit-line application information you enter. This local data is associated with the Loan Doc installation on your device and is not, by the current application code, synced to a PHOENIX MICROSYSTEMS cloud account.

Android's application sandbox and device security features help isolate app-private files from other ordinary apps. However, no device, storage method or software system can be guaranteed to be absolutely secure. You are responsible for using a device lock, keeping your operating system updated, avoiding untrusted/rooted devices and protecting access to your phone.

Clearing Loan Doc's app storage/data or uninstalling the app will generally remove the locally stored application preferences and revoke app-specific access. It will not delete the original Aadhaar image or any other file from the location where you originally stored that file.

11. When Information May Be Shared

We do not sell your personal and sensitive credit-line application data. In the current build, the personal application fields and user-selected Aadhaar images described above are not sent to PHOENIX MICROSYSTEMS or a lender through a server submission API.

Limited technical, advertising, usage, diagnostics, performance, attribution and notification data may be processed by the third-party SDK providers integrated into the app, as described in this Policy. Information may also be disclosed when required by applicable law, lawful legal process, competent authorities, or when reasonably necessary to protect legal rights, security and safety.

If a future version adds a regulated lender or financial-partner integration that transmits application, KYC or bank data, Loan Doc will provide updated disclosures and, where required, obtain appropriate consent before that transmission. The identity of the receiving entity and purpose of transfer will be disclosed as required.

12. Third-Party SDKs and Service Providers

The current project includes the following service categories and providers:

Third-party providers process information under their own terms, privacy notices and data-processing arrangements. Their data practices, retention periods and processing locations may differ from ours. We encourage users to review the privacy choices available through Android, Google Play and the relevant service providers.

13. Advertising and Advertising Identifiers

Loan Doc is supported by advertising. The app includes Google Mobile Ads and Meta Audience Network mediation and may display native, banner, interstitial and app-open ads. Ad providers may use device, advertising and contextual information to deliver, limit, measure, secure and report ads, subject to their configuration, your platform privacy choices and applicable legal requirements.

The current manifest declares access to the Android Advertising ID permission. Availability and use of the Advertising ID are controlled by Android/Google requirements and user/device settings. You may have additional advertising privacy controls through your Google account, device settings or consent choices presented by ad services where applicable.

We do not intentionally provide PAN, Aadhaar images, bank-account numbers or income values to the ad SDKs as ad-targeting parameters.

14. Analytics, Crash Reporting and Performance Monitoring

We use Firebase services to understand how the app performs and to identify crashes, errors and performance problems. The current analytics implementation records items such as activity/screen class, screen views, feature opens, foreground/background state, session duration and selected technical events.

Crashlytics may process stack traces, exception information and device/app state needed to investigate failures. Performance Monitoring may process installation identifiers, network/performance metrics, app version, device characteristics and IP-derived location at a broad level. These systems help us maintain reliability and are not intended to make credit-eligibility decisions.

15. Push Notifications

Loan Doc integrates OneSignal for push notifications. On supported Android versions, the app asks for notification permission from the onboarding flow. You may deny this permission without giving the app access to display ordinary push notifications, and you can later change notification permission from your Android settings.

OneSignal may process device/push identifiers, technical device information, IP/network information, message-delivery information and notification interaction data in order to provide the notification service. We do not intentionally send your PAN, bank-account number, Aadhaar document contents or income value to OneSignal as notification profile fields.

16. Support and Email Communications

When you choose “Email Support,” Loan Doc opens an email application on your device. The information you send in that email—including your email address, message text and any attachments you choose—is provided by you directly through your selected email provider and may then be received and retained by PHOENIX MICROSYSTEMS for the purpose of responding to your request, maintaining support records, preventing abuse or meeting legal obligations.

Please do not send full Aadhaar images, complete bank credentials, OTPs, passwords, PINs, CVVs or other authentication secrets by ordinary support email unless a lawful and secure process expressly requires it.

17. Special Handling of Financial and Identity Information

PAN, Aadhaar-related content, bank-account information, income and credit-line application details are sensitive. We aim to limit their processing to the feature for which they are provided and avoid using such fields for advertising personalization or unrelated analytics.

The current build does not access your contacts, precise device location, SMS, call logs, phone number through telephony APIs, or broad photo/video libraries. The document feature uses Android's system picker so you can select specific files rather than granting broad media-library permission.

Loan Doc does not ask you to provide UPI PINs, debit/credit-card PINs, card CVVs, internet-banking passwords or one-time passwords (OTPs) through the current application form. You should never share such secrets with anyone claiming to be support unless you independently confirm a lawful, secure and necessary process.

18. Data Security

We use reasonable technical and organisational measures appropriate to the app's current architecture. These measures include relying on Android's app sandbox for locally stored preferences, limiting requested permissions, using system file-picking mechanisms rather than broad media access, and limiting analytics event content so sensitive application values are not intentionally included.

Third-party SDK communications use the security mechanisms provided by the relevant platform and service provider. Firebase, for example, provides transport and service-level security protections for supported services. Nevertheless, no method of storage, transmission or software security can guarantee complete protection against all risks.

If we become aware of a security incident affecting personal data under our control, we will take steps appropriate to the nature of the incident and applicable law, which may include containment, investigation, remediation and legally required notifications.

19. Data Retention

Local application data

Personal, address, employment, bank, credit-line preference and application-status information stored by the current build remains on your device until it is overwritten, the app's data/storage is cleared, or the app is uninstalled, subject to Android/device behavior.

User-selected document access

The saved URI/reference to an Aadhaar image may remain in local app storage while the app is installed. Clearing app data or uninstalling the app generally removes the app's stored reference and access, but does not delete the original image from your personal file storage.

SDK and support data

Analytics, crash, performance, advertising, attribution and notification providers may retain their data according to their own documented retention schedules and legal obligations. Support emails may be kept for as long as reasonably necessary to address the request, maintain records, resolve disputes, prevent abuse and meet legal obligations, after which they may be deleted or de-identified where appropriate.

20. Data Deletion and Removal

Because the current Loan Doc build does not create a PHOENIX MICROSYSTEMS online account or upload the entered credit-line application fields to our server, you can generally remove the locally stored app data by clearing Loan Doc's app storage/data in Android settings or by uninstalling the app. Doing so will not delete original files, such as an Aadhaar image, from the location where you stored them.

If you have contacted us by email and want personal information contained in our support records deleted, corrected or restricted where applicable, email sumitkapaisa@gmail.com with enough information for us to identify the relevant correspondence. We may need to verify the request and may retain information where required by law, fraud-prevention needs, dispute resolution or legitimate recordkeeping obligations.

If future versions add online account creation or server-side storage, we will provide an appropriate account/data deletion method as required by Google Play and applicable law and update this section.

21. Your Privacy Rights

Subject to applicable law and to the extent relevant to information under our control, you may request or exercise rights such as:

• Access: ask for information about personal data we hold or process about you.
• Correction: ask us to correct inaccurate or incomplete personal data under our control.
• Erasure: ask for deletion of personal data where deletion is legally available.
• Withdrawal of consent: withdraw consent for consent-based processing where applicable.
• Grievance redressal: raise a complaint or privacy concern with us.
• Nomination or other statutory rights: exercise rights that become applicable under Indian data-protection law.

For information stored only on your device by the current app, PHOENIX MICROSYSTEMS may not possess a remote copy and therefore may be unable to access or delete that local information for you. You can edit supported fields in the app or remove local data through Android app-data controls/uninstallation.

To submit a privacy request relating to information that we do hold, contact sumitkapaisa@gmail.com. We may request reasonable verification so that we do not disclose or delete information in response to an unauthorised request.

22. Children and Age Eligibility

Loan Doc is intended for adults aged 18 years or older. The app's application workflow validates an adult date of birth and is not designed or directed for children. We do not knowingly seek to create credit-line application records for children.

If you believe a child has provided personal data to PHOENIX MICROSYSTEMS through a support channel, contact us at sumitkapaisa@gmail.com. We will review the request and take appropriate steps for data under our control. If the information exists only locally on the device, it should be removed using the app/device controls described above.

23. International Processing and Cross-Border Transfers

Some technology providers used by Loan Doc, including advertising, analytics, crash-reporting, performance and notification providers, operate infrastructure in multiple countries. As a result, technical data processed by those services may be handled or stored outside your state or outside India, subject to the provider's infrastructure, contractual terms and applicable law.

Where cross-border processing restrictions or safeguards apply, we expect service-provider processing and our own disclosures to comply with applicable legal requirements. We do not use this section to claim that every category of information is transferred internationally; the actual transfer depends on the service and configuration used.

24. Legal, Safety and Business Disclosures

We may preserve or disclose information under our control if we reasonably believe it is necessary to comply with applicable law, court orders or lawful requests; investigate fraud, abuse or security incidents; enforce legal terms; protect users, PHOENIX MICROSYSTEMS or others; or establish, exercise or defend legal claims.

If PHOENIX MICROSYSTEMS undergoes a merger, restructuring, acquisition, transfer of assets or similar business event, information under our control may be transferred as permitted by law, with appropriate privacy protections and notices where required.

25. External Services and Third-Party Links

Loan Doc may open or interact with services outside the app, such as your email provider, Google Play, advertising networks, notification services or other external pages. Those services are controlled by their respective operators and their privacy practices apply independently from this Policy.

We are not responsible for the privacy practices, availability or content of an independent third-party service. Review the third party's privacy information before providing personal or financial data to it.

26. Changes to This Privacy Policy

We may update this Privacy Policy when the app, SDKs, business practices, legal requirements or financial integrations change. The “Last Updated” date at the top of this page will be revised when we publish a new version. Material changes may also be communicated through the app or another appropriate channel where required.

You should review this Policy periodically, especially after installing a significant app update. If a new feature materially changes how sensitive information is collected or shared, we will provide any additional notice or consent required by applicable law or platform policy.

27. Contact, Privacy Requests and Grievances

If you have a question about this Privacy Policy, want to report a privacy concern, or want to exercise a privacy right concerning information under our control, contact us using the details below.

Please use a clear subject such as “Loan Doc Privacy Request” and describe what you need. Do not include passwords, OTPs, UPI PINs, card PINs or CVVs in your request.