ChikimGroup

Privacy Policy

Effective Date: November 13, 2025

This Privacy Policy explains how Chikim Enterprises Private Limited, also known as Chikim Group (“we,” “our,” “us”), collects, uses, stores, and protects your personal information when you use our web application (“App” or “Service”).

By using our App, you agree to this Privacy Policy and consent to the collection and processing of your personal information as described herein.

1. Company Information

Chikim Enterprises Private Limited (Alias: Chikim Group)
Registered Office: Beulahlane, Central Lamka, Churachandpur, Manipur 795128, India
Contact Email: chikimgroup@gmail.com
Jurisdiction: Republic of India

This policy complies with the provisions of the Digital Personal Data Protection Act, 2023 (DPDPA) and other applicable data protection laws in India.

2. Information We Collect

We collect and process the following categories of personal data from users of our App:

2.1. Personal Identification Information

  • Full Name
  • Mobile Number (used as the primary sign-in method)
  • Email Address

2.2. KYC and Financial Information

To comply with Know Your Customer (KYC) requirements and enable access to financial services, we collect:

  • Aadhaar Number
  • Permanent Account Number (PAN)
  • Voter ID
  • Bank Account Details (Account Number, IFSC, etc.)
  • Photograph (Selfie / ID Proof)

This data is collected securely via authorized APIs provided by third-party KYC service providers.

2.3. Device and Technical Data

  • Browser and device information
  • IP address
  • Usage and diagnostic data (for performance, analytics, and security)

3. How We Use Your Information

Your data is used to:

  • Verify your identity and complete KYC
  • Enable sign-in and account management using your phone number
  • Provide financial and microfinance-related services
  • Send important messages, OTPs, and notifications (via SMS or email)
  • Improve our products and user experience
  • Ensure compliance with applicable laws and regulations
  • Prevent fraud, misuse, and unauthorized access

We do not sell, rent, or trade your personal information to third parties.

4. Access by Company Personnel

Authorized administrators and employees of Chikim Group may access customer data only when required for legitimate business purposes, such as:

  • Customer support
  • KYC verification reviews
  • Technical troubleshooting
  • Compliance or audit requirements

All access is restricted, monitored, and governed by strict internal confidentiality and data protection policies.

5. Use of Local Storage

We do not use cookies.
However, the App uses localStorage within your browser to store:

  • Access tokens
  • User Data
  • Session data
  • User preferences

No sensitive or KYC data is stored in localStorage.

6. Third-Party Services

We rely on trusted third-party providers for essential services. These include:

Service Provider Purpose
Cashfree Secure Id KYC verification (Aadhaar, PAN, Voter ID, Bank Account)
Google Cloud Platform (GCP) Hosting (Compute Engine), KYC image verification (Cloud Vision API), and backend infrastructure
MongoDB Atlas Secure data storage
Fast2SMS Sending notifications, OTPs, and important alerts

Each provider is used only as necessary to perform their designated function and follows appropriate security standards.

7. Data Retention

We retain user data for as long as the account remains active or as required by applicable KYC and financial regulations.

When a user requests account deletion, personal data will be deleted or anonymized within a reasonable timeframe, unless retention is legally required (for example, audit or compliance obligations).

8. Data Sharing and Disclosure

We do not share user data with banks, regulators, or credit bureaus at this time.

However, we may disclose data:

  • If required by law, court order, or competent authority
  • To detect, prevent, or investigate fraud or misuse
  • To enforce our legal rights and agreements

9. Data Security

We employ industry-standard security practices to protect user information, including:

  • HTTPS secure communication
  • Encrypted data storage
  • Access control and authentication
  • Regular monitoring and updates

While we take every precaution to safeguard your data, no system is completely immune to security risks.

10. Your Rights

You have the right to:

  • Access your personal information we hold
  • Request correction of inaccurate data
  • Request deletion of your account and personal data

To exercise these rights, contact us at chikimgroup@gmail.com.
Requests will be verified and processed as per applicable law.

11. Eligibility

This App is intended only for users aged 18 years and above.
Individuals under 18 are not permitted to register or use any financial services (including Fixed Deposits, Loans, or other offerings).

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any significant changes will be communicated via email or App notifications. The latest version will always be available within the App or on our website, along with the updated “Last Updated” date.

13. Contact Us

For questions, concerns, or requests related to this Privacy Policy, please contact:

Email: chikimgroup@gmail.com
Address: Beulahlane, Central Lamka, Churachandpur, Manipur 795128, India