1. Information Collection

AI Locker collects information provided directly by users, such as account details, documents, and contact information, as well as data generated through the use of the app, including transaction history, device information, and usage patterns. This information is collected to provide, maintain, and improve services, ensure security, and deliver a personalized user experience.

• AI Locker EMI Secure App may collect the following categories of information when you use the App, website, or any related service:

  1. Personal Information

  Includes details voluntarily provided during registration or while using the App:

  • Full name
  • Mobile number and email address
  • Government-issued IDs (Aadhaar, PAN, etc.)
  • Date of birth and address (if required)
  • Account credentials and profile information
  2. Financial and Transactional Information

  For EMI management and payment processing:

  • EMI amounts, due dates, and payment status
  • Transaction identifiers and payment confirmations
  • Linked bank or wallet details (shared by authorized partners)
  Note: We do not store or process full banking credentials, card details, or CVV numbers. All transactions are securely processed by authorized payment gateways.
  3. Device and Technical Information

  For app functionality and fraud prevention:

  • Device make, model, and OS version
  • Device identifiers (IMEI, Android ID, etc.)
  • Network and carrier details
  • Crash logs and diagnostic data
  • Location data (when required for verification)
  4. Usage Information

  Includes app activity data:

  • Login timestamps and activity logs
  • Feature usage statistics
  • Notifications and communication preferences
  5. Information from Third Parties

  May include:

  • Data from financial institutions, KYC providers, or analytics partners
  • Information from lenders or merchants for EMI verification

2. Changes to This Privacy Policy

AI Locker ("Company", "we", or "us") may update or modify this Privacy Policy from time to time to reflect changes in our practices, Services, or legal requirements.

• Notification of Changes: Material changes to the Privacy Policy will be communicated via the App, email, or by posting a notice on our website.Updates will be effective immediately upon posting unless otherwise specified.
• Review of Updates: You are encouraged to review this Privacy Policy periodically to stay informed about any changes. Continued use after updates constitutes acceptance.Your continued use of the App or Services after the updated Privacy Policy is posted constitutes your acceptance of the revised terms.
• Impact on Previously Collected Data: Updates will apply to both newly and previously collected data, unless otherwise specified.The updated Privacy Policy will govern the collection, use, and disclosure of all data held by the Company, including information collected prior to the update, unless otherwise stated.
• Consent: By continuing to access or use the Services after any changes, you agree to the updated Privacy Policy.If you do not agree to the revised Privacy Policy, you must immediately stop using the App and Services.

3. Third-Party Links and Integrations

The AI Locker EMI Secure App may include links, APIs, or integrations with third-party services for purposes such as payment processing, EMI verification, analytics, or device management (collectively referred to as "Third-Party Services").

• No Control Over Third-Party Practices:

  We do not control and are not responsible for the content, security, or privacy practices of any third-party service or website. These third parties may collect, process, and store your personal or financial information independently.

• Separate Privacy Policies:

  Each Third-Party Service is governed by its own terms and privacy policy. We strongly encourage you to read and understand their privacy practices before interacting with or providing any information to such third parties.

• Use of Third-Party Integrations:

  We may share limited information with Third-Party Services solely to enable functionality, such as payment confirmation or EMI status verification. This data sharing is done securely and only to the extent required to provide the intended service.

• Limitation of Liability:

  The Company is not liable for any loss, damage, or unauthorized access resulting from your interaction with Third-Party Services. Any dispute or issue related to such services must be resolved directly with the third-party provider.

4. Governing Law

This Privacy Policy and any disputes, claims, or matters arising from or related to your use of the AI Locker EMI Secure App (“App” or “Services”) shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles.

• Applicable Legislation:

  This Privacy Policy has been prepared based on relevant legal provisions, including but not limited to the applicable laws of India and, where relevant, Articles 13 and 14 of Regulation (EU) 2016/679 — the General Data Protection Regulation (GDPR).

• Jurisdiction and Venue:

  By using the App or Services, you consent to the exclusive jurisdiction of the competent courts in Surat, Gujarat, India. You also waive any objection regarding venue or claims of forum non-conveniens in connection with any dispute arising under this Privacy Policy.

5. Privacy Policy Summary

AI Locker values your privacy and is committed to protecting your personal and financial information. We collect and process user data only as required to provide and enhance our services.

Information may be shared only with authorized partners or financial institutions. We implement strict encryption, secure storage, and access control to prevent misuse.

6. The Collection, Process, and Use of Personal Data

Personal data such as names, contact details, and identification documents are collected and processed for verification, service delivery, and security purposes.

AI Locker adheres to Indian data protection laws and ensures secure handling and restricted access to all personal data. Users may request correction or deletion of their data at any time.

7. Disclaimers

The services provided by AI Locker are for informational purposes only and offered "as is." We do not guarantee loan approvals or financial outcomes. Users must make decisions at their own discretion.

AI Locker is not responsible for any losses, data breaches, or third-party actions. Use of the app implies acceptance of these terms.

8. Data Protection

All user data is encrypted, securely stored, and accessible only to authorized personnel. AI Locker complies with Indian data protection regulations and promptly addresses any data breaches.

9. How We Use Cookies

AI Locker uses cookies and similar technologies to improve app functionality and user experience. These tools help analyze usage patterns and optimize performance.

Users may disable cookies in their browser settings, though certain features may not work as intended. All cookie data is managed securely and in compliance with privacy laws.