Privacy Policy
Last updated: June 2026
ArthLoan is built on a foundation of transparency. This document explains, in plain language, what information our mobile application ("App") collects, why we collect it, how it is protected, and the rights you hold over it.
By using the App you acknowledge that you have read and accepted this Policy. If you do not agree, please uninstall the App. We recommend reading this Policy alongside our Terms of Service, which governs the credit facility itself.
Providing a reliable credit service requires us to gather certain categories of information. The following is a complete and honest account of every data type we collect.
When you open an account we collect your full legal name, date of birth, mobile number, email address, and the details from your government-issued identity document. All information is encrypted before transmission and stored securely at: server.arthloan.co
Technical attributes sent by your device — including model identifier, operating system version, network IP address, and Google Advertising ID — are collected to maintain platform stability and detect threats. This data is never used for advertising or credit scoring purposes.
To guard against fraudulent activity, the App may read the package names and installation status of other apps on your device. No content, messages, credentials, or usage data from any other app is ever accessed. This data is used solely for fraud prevention.
Uploading identity documents requires camera access. Images are encrypted at the moment of capture and sent directly to server.arthloan.co for verification. They are permanently deleted once verification is complete. The camera is never activated without your explicit action.
With your permission, approximate location data may be used to confirm service availability in your area. Precise GPS coordinates are never collected or stored. Location data plays no role in credit decisions or advertising.
Aggregated, anonymised data on how the App is used — session duration, navigation patterns, and error events — helps us improve performance and user experience. No individual user can be identified from this data.
We process personal data only for defined, legitimate purposes:
You may withdraw any optional permission at any time through your device settings. Features that rely on a particular permission may become unavailable, but your core credit account remains active. We will never access data from permissions you have not granted.
ArthLoan does not sell, rent, or trade your personal information. We share data with third parties only where strictly necessary and exclusively for the following purposes:
Every third-party partner is bound by contractual confidentiality obligations and is prohibited from using your data for any purpose beyond what ArthLoan's services require.
Security is embedded in every layer of our infrastructure. The following controls are maintained at all times:
If you believe your account has been accessed without your authorisation, contact us immediately at support@arthloan.co. We will investigate and respond without delay.
Personal data is kept only for as long as the purpose for which it was collected remains active, or as required by applicable law — whichever is the longer period.
When your account is closed and any mandatory retention window has elapsed, your data is either permanently deleted or made irrecoverable through anonymisation. Specific retention periods depend on the data category and the regulations that govern it.
ArthLoan is available to adults only. We do not accept registrations from individuals under 18, and our identity verification process is designed to detect and reject underage applications.
If we discover that an account belongs to a user under 18, we will close it immediately, cancel any open transactions, and delete all associated data. To report a concern about a minor's registration, contact us at support@arthloan.co.
As the person whose data we hold, you are entitled to:
To exercise any of these rights, write to us at support@arthloan.co. We will respond within a reasonable timeframe after verifying your identity.
This Policy will be revised periodically to reflect changes to our services or applicable law. Significant amendments will be communicated through the App or by email before they take effect.
Minor corrections may be applied without advance notice and take effect immediately. The version date at the top of this page marks the current revision. Continued use of the App after any update constitutes acceptance of the revised Policy.
For questions, data access requests, or any concern about how we handle your personal information, our team is ready to help.