Privacy Policy

1. About This Policy

Protecting personal information is a central responsibility for Utthaam. This Privacy Policy explains what data we collect when you use the Utthaam mobile app (the “App”), how that data is used, the safeguards we maintain, and the choices available to you.

By continuing to use the App, you agree to this Policy. If you disagree with any part of it, please remove the App from your device. We encourage you to read this Policy together with our Terms of Service, which sets out the general rules for using Utthaam.

2. Data We Gather

2.1 Identity & Contact Details

To verify your identity and create your profile, we collect key details including full name, date of birth, mobile number, email address, and information from your government-issued ID. Data is transmitted through secure, encrypted channels and stored at:

server.Utthaam.com

This information is used only for identity verification, account creation, and regulatory compliance, and it is never shared with outside parties for commercial purposes.

2.2 Device & Technical Information

We automatically collect certain technical details from your device, including device make and model, OS version, IP address, and Google Advertising ID. This information helps us keep the App reliable and the platform secure; it is never used for advertising or credit decisions.

2.3 Installed App Metadata

For security purposes, the App may collect limited metadata from other apps on your device, such as package names and install dates. This does not include app contents, passwords, or usage data. It is used only to detect security risks and has no impact on your credit standing.

2.4 Camera Access

To enable document uploads, the App may request camera access. Photos are encrypted before being sent to server.Utthaam.com and are deleted once verification is complete. The camera is used only when you actively trigger it; it is never accessed in the background, and no images are retained after the process ends.

2.5 Approximate Location

With your permission, the App may collect approximate location data to check service availability in your area. We do not store precise coordinates, and location information is never used for advertising, profiling, or credit evaluation.

2.6 Usage & Diagnostic Data

We collect aggregated, anonymized usage information, such as screens visited, time spent, and error logs, to improve the App experience. This data does not identify you and has no effect on credit decisions.

3. Why We Collect Data

We process your data only for specific and legitimate purposes, including:

• Confirming identity and checking eligibility before account opening
• Managing your revolving credit line and processing transactions
• Detecting and preventing fraud so the platform remains secure
• Responding to support requests and user questions
• Improving App features, resolving bugs, and developing better services
• Meeting legal and regulatory obligations

You may deny individual permissions. Refusing a permission may limit particular features, but it will not prevent general use of the App. We will not collect data from a permission you have not granted.

4. Who Sees Your Data

We never sell, rent, or trade your personal data with outside parties for profit. Information is shared only when necessary, and only with:

• Identity verification providers that validate documents you submit
• Service providers that operate secure data infrastructure and processing
• Authorities or regulators when disclosure is legally required

All partners work under strict confidentiality obligations and must follow industry-standard security practices. They may not use your data for purposes beyond what is required to support Utthaam.

5. Keeping Your Data Safe

We apply strong safeguards throughout the data lifecycle, from collection through deletion. Important measures include:

• End-to-end encrypted transmission using TLS/HTTPS
• Access controls that allow only verified personnel to view sensitive records
• Regular independent security reviews and vulnerability assessments
• Around-the-clock monitoring with automated alerts for suspicious activity

Only staff with a legitimate business need may access sensitive data, and every access is logged and auditable. No online system is completely free of risk; if you suspect unauthorized access to your account, contact us immediately at support@utthaam.com.

6. How Long We Keep It

We retain data only for as long as needed to fulfill the purposes in this Policy or comply with applicable laws and obligations, whichever period is longer.

After your account is closed and any required retention period has ended, your data is securely deleted or fully anonymized. Retention periods differ depending on data type and applicable regulation.

7. Age Requirement

Utthaam is intended only for users aged 18 and above. We do not knowingly collect data from anyone under 18, and our identity verification is designed to prevent underage access.

If we learn that data from a minor has been captured, it will be erased immediately and the related account will be closed without notice. If you believe a minor has registered on our platform, please tell us at support@utthaam.com.

8. Your Rights

You have the following rights regarding personal data that Utthaam holds about you:

• Access: Ask for a copy of the personal data collected about you
• Correction: Request updates to information that is inaccurate or outdated
• Deletion: Request deletion unless legal obligations require continued retention
• Withdrawal of consent: Where processing relies on consent, you may withdraw it at any time

To exercise these rights, or to ask how we handle your data, contact us at support@utthaam.com.

We aim to respond to valid requests within a reasonable time in accordance with applicable law. We may ask you to confirm your identity before proceeding.

9. Changes to This Policy

This Policy may be updated from time to time because of service changes, legal requirements, or regulatory developments. For significant changes, you will be notified through the App or by email before the new version takes effect.

Small corrections or non-material edits may be made without prior notice. The date at the top of this page shows when the Policy was last changed. Continuing to use the App after an update means you accept the revised terms.

10. Contact Us

If you have questions, complaints, or requests about this Privacy Policy or how your data is handled, our team is ready to help.