🔐 KIRANA KREDIT
📜 PRIVACY POLICY
Effective & Last Updated: 11 August 2026
This Privacy Policy explains how Mr Fincare Payment Solutions, operating under the brand name Kirana Kredit, handles personal information and other information when you use the Kirana Kredit App and related services.
🏢 Legal & Business Information
- ⚖️ Legal Entity: Mr Fincare Payment Solutions
- 🏷️ Brand: Kirana Kredit
- 📧 Email: contact@dhwanipay.com
- 📍 Address: 1st Floor, No. 12, Kothnur Dinne Main Road, Nrupathunga Nagar, JP Nagar 7th Phase, Bengaluru, Karnataka – 560078, India.
💾 OUR DATA-STORAGE MODEL
Kirana Kredit follows a local-first data-storage approach for ordinary business and transaction information.
📱 Stored Locally on Your Device
The following information is designed to remain on your device:
- 🧾 Transaction data
- 🧮 Invoices
- 📋 Purchase orders
- 👥 Customer/supplier records
- 📸 Photos
- 🏪 Business logos
- 📊 Reports
- 📁 Business documents
☁️ Stored in Kirana Kredit Cloud Infrastructure
The following information is stored in our cloud infrastructure:
- 📱 Login mobile number
- 💰 Loan application information required for loan facilitation
- 💳 Subscription/account information
🔒 IMPORTANT LOCAL STORAGE DISCLOSURE
Transaction records, photos, invoices, and reports designed to remain on your device are not routinely uploaded to cloud storage, unless you intentionally:
- 📤 Share or export the information
- 💬 Contact support
- 🔗 Use third-party transmission features
📝 INFORMATION WE COLLECT OR PROCESS
The information we collect or process may include:
👤 Account Information
- 📱 Mobile number
- 💳 Subscription status
💰 Loan Information
Where required for loan facilitation:
- 🪪 PAN
- 🪪 Aadhaar
- 💵 Income
- 🎂 Age
- ⚧️ Gender
- 📞 Contact details
- 🏠 Address
- 📮 Pincode
- 📋 KYC information
📱 Device-Based Information
Depending on the features you use and permissions you grant:
- 📸 Photos/media
- 📷 Camera
- 💬 SMS
- 🔔 Notifications
- 👥 Contacts
🧾 TRANSACTION DATA
Kirana Kredit is designed to store ordinary transaction and business records locally on your device.
These records are not routinely stored in cloud storage.
📸 PHOTOS AND MEDIA
Selected photos and business logos are stored locally on your device for displaying on:
- 🧾 Invoices
- 📊 Reports
📷 CAMERA
Camera access is requested to:
- 🏪 Capture business logos
- 📱 Scan QR codes
- 💳 Add VPA/payment details
💬 SMS INFORMATION
Where permitted by applicable law and platform policies, SMS information is processed locally on the user's device for providing payment voice alerts.
🔔 NOTIFICATION INFORMATION
Notification information is processed locally to provide payment voice alerts and is not used for unrelated advertising purposes.
👥 CONTACTS
Contacts are used locally to help you select:
- 👤 Customers
- 🤝 Suppliers
We do not routinely upload your phonebook to cloud storage.
⚙️ BACKGROUND PROCESSING
The App may operate in the background so that payment-related SMS and notification alerts can produce voice announcements even when the App is not actively displayed.
💰 LOAN APPLICATION DATA
Voluntarily submitted loan application data, including:
- 🪪 PAN
- 🪪 Aadhaar
- 💵 Income
- 🎂 Age
- ⚧️ Gender
- 🏠 Address
- 📮 Pincode
- 📋 KYC information
is stored in cloud infrastructure to enable loan facilitation with lending partners.
☁️ WHY LOAN DATA IS STORED IN THE CLOUD
Loan application information is required to transmit application leads to lending partners for assessment and loan processing, subject to your consent.
🏦 LENDING PARTNERS
Lending partners may include:
- 🏦 Lendingkart
- 🏦 Axis Bank
- 🏦 IDFC FIRST Bank
- 🏦 Tata Capital
- 🏦 We Rize
- 🏦 Aditya Birla Capital
- 🤝 Other eligible partners
🔐 SHARING LOAN INFORMATION
Loan information is shared with lending partners after user consent.
Lenders independently assess applications according to applicable RBI requirements and their underwriting rules.
💳 SUBSCRIPTION INFORMATION
The following information is stored to administer account entitlements:
- 📱 Login mobile number
- 💳 Subscription plan
- ✅ Subscription status
- 🔄 Renewal dates
💰 PAYMENT INFORMATION
Payment credentials are handled securely directly by licensed third-party payment gateways.
🎯 HOW WE USE INFORMATION
Information may be used for:
- ⚙️ SaaS platform operation
- 🔐 Account authentication
- 🔊 Payment voice alerts
- 💰 Loan facilitation
- 🎧 Customer support
- 🛡️ Fraud prevention
- ⚖️ Legal and regulatory compliance
🚫 WE DO NOT SELL PERSONAL OR SENSITIVE DATA
Kirana Kredit does not sell personal or sensitive user data to any third party.
🤝 THIRD-PARTY SERVICE PROVIDERS
Infrastructure, payment processing, analytics, and authentication providers are used in accordance with applicable Google Play policy guidelines.
🛡️ DATA SECURITY
We use appropriate technical and organizational safeguards to protect cloud-stored data.
🔐 Users are responsible for maintaining appropriate device-level PIN, password, or biometric security.
🗄️ DATA RETENTION
Information is retained for as long as necessary for:
- 👤 Account management
- ⚖️ Regulatory obligations
- 💰 Loan recordkeeping
🗑️ ACCOUNT DELETION
You may request deletion of your cloud account by emailing:
📧 contact@dhwanipay.com
⚙️ WITHDRAWAL OF PERMISSION
You may manage or revoke device permissions at any time through your phone's:
📱 Settings → App Permissions
👶 CHILDREN'S PRIVACY
Kirana Kredit is intended strictly for business and adult merchant users.
🔄 CHANGES TO THIS PRIVACY POLICY
Updated versions of this Privacy Policy will be published on the Platform.
📞 CONTACT US
🏢 Mr Fincare Payment Solutions — Kirana Kredit
📍 Address:
1st Floor, No. 12, Kothnur Dinne Main Road,
Nrupathunga Nagar, JP Nagar 7th Phase,
Bengaluru, Karnataka – 560078, India.
📧 Email: contact@dhwanipay.com