Privacy Policy

Sawa Pesa is a mobile financial service platform operated and managed by BACHCHI FINANCE PRIVATE LIMITED. This privacy policy outlines how we collect, use, and protect your personal information when you use the Sawa Pesa application (“the App”).

By accessing or using the App, you acknowledge and agree to the terms set forth in this Privacy Policy.

Lender Information

BACHCHI FINANCE PRIVATE LIMITED is a Non-Banking Financial Company (NBFC) registered and approved by the Reserve Bank of India (RBI). The company is authorized to offer financial services including digital lending, operating in accordance with regulatory standards set by the RBI.

• Registered Office: 18 Rabindra Sarani, 5th Floor, Room No.-515, Gate No.-2, Kolkata, West Bengal, 700001
• CIN: U67110WB1992PTC056269
• Official Email: mail@bachchifin.com

As the official lender behind the Sawa Pesa app, BACHCHI FINANCE PRIVATE LIMITED ensures that all lending activities are secure, transparent, and fully compliant with the regulatory framework governing NBFCs in India.

Information We Collect

We collect the following types of information:

• Personal Data: Name, mobile number, email, local identification number, and other identity-related details required to process loans.
• Device Information: Including device type, unique device identifiers (IDFA), and IP address.
• Location Data:Geographical location obtained from your device (with your explicit consent).
• Contact Information: Access to your phone’s contact list, camera, and photo gallery (upon your permission).

Purpose of Data Collection

We use collected data to:

• Verify your identity and assess your loan eligibility.
• Manage loan disbursement and repayments.
• Improve user experience and customer support.
• Comply with applicable local and international laws and regulations.

Permissions Requested

When using the App, we request permission to access:

• Camera & Photo Gallery: For capturing/uploading identity verification documents.
• Location: To comply with regulatory requirements and enhance security.
• Contacts:To improve credit risk assessment and loan approval processes.
• IDFA (Identifier for Advertisers): To provide customized marketing and promotional content.

You may disable these permissions at any time via your device settings; however, doing so may limit some functionalities of the App.

Data Sharing and Disclosure

We do not sell your personal data. Your information may only be shared under these circumstances:

• To authorized regulatory bodies as required by law.
• With our business partners (such as payment gateways, credit bureaus, and third-party identity verification services) strictly to provide and manage loan services.
• To comply with legal proceedings or government requests.

Data Security

We implement industry-standard security measures to protect your personal data against unauthorized access, misuse, or loss. Access to your personal information is limited strictly to authorized personnel only.

Your Rights and Choices

You have the right to:

• Access, correct, or delete your personal data.
• Withdraw your consent regarding data collection and usage (subject to legal limitations).

To exercise your rights or make inquiries, please contact us at mail@bachchifin.com.

Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy periodically. Updates will be clearly communicated within the App. Continued use of the App after updates implies your acceptance of the revised policy.

Contact Us

For questions or concerns regarding your privacy, please reach us at:

BACHCHI FINANCE PRIVATE LIMITED

Email: mail@bachchifin.com