How We Protect Your Data

ARMS FINTECH SERVICES PRIVATE LIMITED, a company incorporated under the Companies Act, 2013, acting through its authorized representatives and including its lawful successors and permitted assigns, is committed to respecting your privacy and protecting your personal information. This Privacy Policy describes the privacy practices applicable to the online platform operated under the name SalaryInAdvance, available at https://www.salaryinadvance.com (hereinafter referred to as the “Website”).

To provide our services effectively, we may collect, process and, where necessary, share information relating to you. This policy explains the categories of information we collect, how such information may be used or disclosed, and the choices available to you regarding its collection and use. Capitalized terms used in this document shall have the meanings assigned to them in the definitions below. Headings are included solely to organize the provisions of this policy and should not independently determine their interpretation.

Definitions

“We”, “Our” and “Us” mean and refer to ARMS FINTECH SERVICES PRIVATE LIMITED.

“You”, “Your”, “Yourself” and “User” refer to individuals or legal entities accessing or using the Website or Mobile Application.

“Personal Information” means information relating to an identified or identifiable individual that we may collect or process in connection with our services.

“Third Parties” refers to individuals, companies, websites or organizations other than the User and ARMS FINTECH SERVICES PRIVATE LIMITED.

APP PERMISSIONS AND DATA COLLECTION

Our mobile application may request specific device permissions to support its functionality and provide the services you choose to access. The following sections explain the permissions that may be requested and the purposes for which relevant information may be processed, subject to your consent and applicable law.

The types of information associated with these permissions and their intended uses are described below.

SMS Permissions

With your explicit consent, our application may access relevant SMS information for specified verification and financial assessment purposes. Where permitted, information such as sender details, relevant message content and message timestamps may be processed to support financial and related services. Such information may be shared securely with our lending partners and authorized service providers when necessary for the disclosed purposes.

We aim to restrict access to SMS information to the purposes communicated to users. Personal messages and OTPs unrelated to the stated purposes are not intended to be accessed or analyzed. Verification messages associated with our services may be processed where necessary and authorized.

Relevant financial information may help support income assessment, analysis of financial patterns, credit evaluation and fraud detection or prevention, subject to applicable consent and data protection requirements.

Installed Apps Permissions

With your explicit consent, our application may collect limited metadata about installed or system applications on your device. Where applicable, this information may be processed through our authorized technology partners, including Credeau (www.credeau.com), if that service is actually used by the Company or its lending partners.

Purpose of Data Collection

• Identifying potential fraud indicators, including certain high-risk application patterns.

• Supporting identity verification and credit risk assessment.

• Helping authorized lending partners evaluate applications and assess suitable credit terms.

Data Protection Measures

• The information collected may include application names, package names, version details, installation or update timestamps, and installer sources, where applicable.

• Collection is intended to remain limited to the metadata required for the disclosed purposes.

• Personal application content, messages, files and unrelated user information are not intended to be accessed through this permission.

• Application metadata is not sold or shared for advertising or marketing purposes.

• Data storage and processing are subject to applicable Indian data protection laws, relevant regulatory requirements and disclosed data-handling practices.

Location Permissions

With your explicit consent, our application may request one-time access to your device location for specific purposes related to your application or selected services.

Location information may be used to:

• Assess whether our services are available in your area.

• Help identify risks associated with loan application processing.

• Support the assessment of eligibility for relevant loan products or offers.

• Assist with address verification, credit assessment and applicable Know Your Customer (KYC) requirements.

We do not intend to continuously monitor your location. Access is limited to the purposes disclosed when permission is requested, subject to your device settings and applicable law.

Device Permissions

With your consent, our application may collect limited technical information about your device to improve security, maintain functionality and help prevent fraudulent activity. This information may include:

• Device model.

• Operating system version.

• Available RAM and storage capacity.

Device-related information is handled according to the permissions granted, the application’s actual functionality and applicable Google Play policies and Indian data protection requirements. Any collection of device identifiers is subject to applicable restrictions and disclosures.

Phone State Permissions

Our application may request Phone State permission, with your explicit consent where required, for limited onboarding, security and transaction-related purposes, including:

• Checking relevant device or network status during onboarding or disbursement.

• Supporting transaction security and helping identify potential spoofing or fraudulent activity.

This permission is not intended to provide access to call logs or contacts for unrelated purposes. Any use of this permission will be limited by the application’s actual functionality, the permission granted and applicable Indian privacy laws.

Camera Permissions

Information collected: Camera access may be requested to complete electronic Know Your Customer (eKYC) verification and allow users to capture or submit identification documents digitally.

How the information is used: Images and documents captured through the camera may be used to verify identity, validate submitted information and support the applicable loan application process in accordance with relevant requirements.

Any collection or processing of biometric information, where applicable, will be governed by the relevant disclosures, consent requirements and applicable law.

Data Storage and Consent

Information collected through the SalaryInAdvance application will be stored and processed in accordance with the Company’s actual hosting arrangements, applicable contractual obligations and relevant legal requirements.

Where required, we provide consent requests before accessing device permissions such as SMS, location, phone state and installed application information. These requests are intended to explain the relevant purpose of access and allow users to make informed choices in accordance with applicable laws and platform policies.

Cookies

Our Website may use cookies and similar technologies to improve functionality, understand visitor interactions and enhance the user experience. Third-party services, including analytics or advertising providers such as Google where integrated, may also use cookies subject to their respective policies, applicable consent requirements and user settings.

Confidentiality

We take reasonable measures to maintain the confidentiality of your personal information. Information may be disclosed when necessary to provide requested services, to authorized service providers or lending partners, or where disclosure is required or permitted by law. We do not sell or rent your personal information except where a specific practice is separately disclosed and lawfully permitted.

Disclosure of Your Information to Third Parties

External Service Providers: Information may be shared with authorized service providers that support our digital platforms, verification processes, security measures and other disclosed services.

Lending Partners and Financial Institutions: Relevant information may be shared with authorized lending partners to facilitate application processing, eligibility assessment, verification, loan servicing and other related activities.

Other Corporate Entities: Information may be shared with affiliated or related entities for legitimate business purposes, subject to applicable law and appropriate safeguards.

Legal and Regulatory Authorities: We may disclose information to courts, law enforcement agencies, regulators or other authorized authorities when required by law or a valid legal process.

Accessing, Reviewing and Updating Your Profile

Where account facilities are available, you may review and update your profile information after registration. To request access to, correction of or deletion of your personal information, or to exercise other rights available under applicable law, please contact us at support@salaryinadvance.com.

Requests will be handled in accordance with applicable legal requirements, verification procedures and lawful data-retention obligations.

Security

We follow reasonable technical and organizational measures intended to protect personal information against unauthorized access, misuse, alteration, disclosure or loss. However, no electronic system or method of data transmission can guarantee absolute security.

Indemnity

To the extent permitted by applicable law, users may be responsible for losses arising from unlawful use of the Website or violations of applicable terms. Nothing in this provision excludes or limits any rights or remedies that cannot lawfully be excluded or limited.

Severability

If any provision of this Privacy Policy is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

Amendment

We may update this Privacy Policy periodically to reflect changes in our services, information-handling practices or applicable legal requirements. Revised versions will be published on the SalaryInAdvance Website.

Complaints and Grievances

For privacy-related questions, complaints or requests concerning your personal information, contact us at support@salaryinadvance.com or call +91-9218181353, after confirming that these contact details are current and authorized.

Address

705 & 706, Aggarwal, Cyber Plaza-1, NSP, Saraswati Vihar, Delhi, North West Delhi- 110034, Delhi

Please verify that this address is the correct registered or correspondence address of ARMS FINTECH SERVICES PRIVATE LIMITED before publication.

Communication Consent

By submitting your information and providing the applicable consent, you may authorize SalaryInAdvance to contact you by telephone, SMS, RCS, WhatsApp or email regarding your application, requested services, account updates and relevant promotional communications.

You may withdraw consent for promotional communications or opt out of them at any time through the available communication preferences or by contacting us. Service-related or legally required communications may continue where permitted by applicable law.