ARMS FINTECH SERVICES PRIVATE LIMITED, a company incorporated under the applicable provisions of the Companies Act, 2013, having its registered office at the address mentioned below (“Company”, “we”, “us”, or “our”), operates and provides financial and related services through its brand SalaryInAdvance (“Brand”, “SalaryInAdvance”, “Platform”, “Website”, “Mobile Application”, or “App”).

At SalaryInAdvance, we respect the privacy of our customers, users, applicants, and visitors. This Privacy Policy explains how we collect, use, process, store, disclose, and protect your personal and device-related information when you access or use the SalaryInAdvance Website, Mobile Application, products, and services.

By accessing or using SalaryInAdvance, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and processing of information as described herein, subject to applicable laws and regulations.

This Privacy Policy should be read together with our Terms & Conditions and other applicable policies available on the SalaryInAdvance Platform.

1. Definitions

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

“SalaryInAdvance”, “Brand”, “Platform”, “Website”, “Mobile Application”, or “App” shall mean and refer to the digital platform, products, services, and applications operated or made available by ARMS FINTECH SERVICES PRIVATE LIMITED under the brand name SalaryInAdvance.

“You”, “Your”, “Yourself”, and “User” shall mean and refer to any individual who accesses, visits, registers on, or uses the SalaryInAdvance Website, Mobile Application, products, or services.

“Personal Information” or “Personal Data” means information that relates to an identified or identifiable individual, including information that may directly or indirectly identify you.

“Third Parties” means persons, entities, service providers, technology partners, financial institutions, regulated entities, or other organizations other than you and the Company.

2. Information We Collect

Depending on the services you use and the permissions you provide, SalaryInAdvance may collect information including:

• Name, date of birth, gender and contact details
• Mobile number and email address
• Residential and correspondence address
• Employment and salary-related information
• Bank account and financial information required for providing services
• KYC and identity verification information
• Information contained in documents submitted by you
• Credit and financial information, where legally permitted
• Device and technical information
• Information collected through permitted application permissions
• Information relating to your interactions with our Platform
• Information required for fraud prevention, risk assessment, regulatory compliance, and servicing of financial products

We collect only such information as is reasonably required for legitimate, specified purposes connected with our products and services and applicable legal or regulatory requirements.

3. App Permissions and Data Collection

Our Mobile Application may request certain device permissions to enable specific features, support financial services, conduct verification, prevent fraud, and comply with applicable regulatory requirements.

Permissions are requested, where applicable, through appropriate consent or permission mechanisms. The availability and use of individual permissions may depend on the services you choose to access.

3.1 SMS Permission

Where legally permitted and where you provide the required permission, the App may access limited SMS-related information for purposes such as:

• Financial information verification
• Credit assessment and underwriting
• Fraud detection and prevention
• Verification of relevant financial transactions
• Supporting faster processing of financial applications

Where SMS information is collected, it will be limited to the purposes disclosed to you and handled in accordance with applicable law and platform requirements.

We do not access or use SMS information for unrelated purposes.

We do not use your SMS data for advertising or sell such information to third parties.

Where required, relevant information may be securely shared with our lending partners, regulated financial entities, technology service providers, or other authorized service providers strictly for legitimate purposes connected with providing financial services.

3.2 Installed Applications Information

With your explicit consent, the App may collect limited metadata relating to applications installed on your device, where such collection is necessary and permitted for the services being provided.

Such information may include:

• Application name
• Package name
• Application version
• Installation or update information
• Installer source

This information may be used for:

• Fraud detection and prevention
• Device and risk assessment
• Identity and security verification
• Credit risk assessment
• Supporting appropriate financial service decisions

We do not access the personal content, messages, files, photographs, or other content contained within your installed applications.

We do not sell installed-application information for advertising or marketing purposes.

Where applicable, technology service providers may process such information on our behalf subject to contractual, security, and legal requirements.

3.3 Location Permission

With your permission, SalaryInAdvance may request access to your device location for limited and legitimate purposes, including:

• Determining serviceability of your application
• Supporting address verification
• Fraud prevention and risk assessment
• Supporting KYC and verification requirements
• Providing relevant or customized financial products and services

We do not continuously track your location merely because you use our App. Location information is accessed only as permitted by the relevant permission and for disclosed purposes.

3.4 Device Information

With your permission and where required for our services, we may collect limited device-related information, which may include:

• Device model
• Operating system and version
• Available storage
• Available memory/RAM
• Application version
• Technical and security information

Such information may be used to improve application security, prevent fraud, troubleshoot technical issues, and maintain the reliability of our services.

We do not collect permanently identifiable device identifiers such as IMEI, serial number, or MAC address where prohibited by applicable platform policies or regulations.

3.5 Phone State / SIM Information

Where required and permitted, the App may request access to limited phone-state information for purposes including:

• Verifying that the device has an active SIM/network connection
• Supporting customer and device verification
• Preventing spoofing and fraudulent activity
• Supporting onboarding and transaction security

We do not use this permission to access your call logs, contacts, or other unrelated information.

3.6 Camera Permission

Camera access may be required for purposes such as eKYC, identity verification, document capture, and other verification processes.

The camera may allow you to:

• Capture identity documents
• Capture photographs required for verification
• Complete digital KYC processes
• Submit documents electronically

Information captured through the camera is used for the relevant verification and financial service purposes.

We do not collect or store biometric information except where specifically permitted or required by applicable law and with the appropriate legal basis and consent.

4. Purpose of Collection and Use of Information

We may collect and process your information for legitimate purposes, including:

• Processing financial product or loan applications
• Assessing eligibility and creditworthiness
• Conducting KYC and identity verification
• Providing and servicing financial products
• Processing disbursements and repayments
• Fraud detection and prevention
• Risk management and credit assessment
• Customer support and grievance resolution
• Communicating with you regarding our services
• Meeting legal, regulatory, accounting, and reporting requirements
• Improving the security and functionality of our Platform
• Preventing unauthorized access or misuse
• Complying with lawful requests from regulators, courts, law enforcement agencies, or other competent authorities
• Providing information about relevant products and services, subject to applicable law and your communication preferences

5. Sharing and Disclosure of Information

We do not sell or rent your personal information.

We may share relevant information with third parties where necessary for providing our services, complying with legal requirements, or protecting our legitimate interests.

Such parties may include:

5.1 Lending Partners and Regulated Financial Entities

Where applicable, information may be shared with our lending partners, banks, NBFCs, or other regulated financial entities involved in evaluating, approving, disbursing, servicing, or recovering financial products.

5.2 Technology and Service Providers

We may engage trusted third-party service providers for services such as:

• KYC and identity verification
• Credit assessment
• Fraud prevention
• Data processing
• Cloud and hosting services
• Customer support
• Communication services
• Payment processing
• Security and technology infrastructure

Such service providers are expected to process information only for authorized purposes and maintain appropriate safeguards.

5.3 Group or Related Entities

Where applicable and legally permitted, information may be shared with our parent, subsidiary, affiliate, or group entities for legitimate business, operational, compliance, and service-related purposes.

5.4 Legal and Regulatory Authorities

We may disclose information where required or permitted by applicable law, regulation, court order, governmental authority, law enforcement agency, or regulatory authority.

6. Data Storage and Security

SalaryInAdvance and ARMS FINTECH SERVICES PRIVATE LIMITED take reasonable and appropriate security measures to protect your information against unauthorized access, alteration, disclosure, misuse, loss, or destruction.

Depending on the nature of the information and applicable requirements, security measures may include:

• Access controls
• Encryption or secure transmission
• Authentication mechanisms
• Monitoring and logging
• Secure infrastructure
• Internal access restrictions
• Vendor and service-provider controls

Where applicable, personal data is stored and processed in accordance with applicable Indian laws, regulatory requirements, and contractual obligations.

No electronic transmission or storage system can be guaranteed to be completely secure. Accordingly, while we take reasonable measures to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide services, comply with legal and regulatory requirements, resolve disputes, enforce agreements, prevent fraud, and meet applicable record-retention requirements.

When information is no longer required to be retained, we may delete, anonymize, or securely dispose of it in accordance with applicable law and our internal policies.

8. Cookies and Similar Technologies

Our Website may use cookies and similar technologies to:

• Improve website functionality
• Understand how users interact with our Platform
• Remember preferences
• Improve user experience
• Maintain security
• Analyze website performance

Third-party service providers may also use cookies or similar technologies subject to their respective privacy policies and applicable law.

You may be able to control or disable certain cookies through your browser settings. However, disabling certain cookies may affect the functionality of the Website.

9. Confidentiality

We treat your personal information as confidential and take reasonable measures to protect it.

Your information will not be disclosed to third parties except:

• Where necessary to provide our products or services
• Where you have provided appropriate consent
• Where required or permitted by applicable law
• Where necessary to prevent fraud or security threats
• Where necessary for regulatory, legal, or compliance purposes
• Where shared with authorized service providers or financial partners for legitimate business purposes

10. Your Rights and Choices

Subject to applicable laws and regulations, you may have rights relating to your personal information, including rights to:

• Request access to certain personal information
• Request correction of inaccurate or incomplete information
• Request deletion or erasure where legally applicable
• Withdraw consent where processing is based on consent
• Raise a grievance regarding the processing of your personal information
• Exercise other rights available under applicable data protection laws

Certain requests may be subject to legal, regulatory, contractual, or operational limitations.

To exercise applicable rights or raise a privacy-related request, please contact us using the details provided in the “Contact and Grievance Redressal” section below.

11. Accessing, Reviewing, and Updating Your Information

Where applicable, registered users may review or update certain information through their SalaryInAdvance account or by contacting us.

If you believe that any information maintained by us is inaccurate or incomplete, you may request correction by contacting us.

We may request additional information to verify your identity before processing certain requests.

12. Communication Consent

By submitting your information or using SalaryInAdvance, you may receive service-related communications through channels such as:

• Phone calls
• SMS
• RCS
• WhatsApp
• Email
• In-app notifications

These communications may relate to applications, account activity, transactions, repayments, verification, customer support, security alerts, and other services.

Where permitted by applicable law and based on your communication preferences, we may also send promotional or marketing communications relating to SalaryInAdvance products and services.

You may opt out of promotional communications by following the available opt-out mechanism or contacting us.

Please note that opting out of promotional communications will not prevent us from sending essential transactional, security, legal, or service-related communications.

13. Third-Party Services and Websites

Our Platform may contain links to third-party websites, applications, services, or resources.

We are not responsible for the privacy practices, content, security, or policies of third-party websites or services that are not controlled by us.

Users are advised to review the privacy policies of such third parties before providing personal information.

14. Children’s Privacy

Our services are intended for individuals who are legally eligible to use the relevant financial products and services.

We do not knowingly seek to collect personal information from individuals who are not legally eligible to access our financial services.

If we become aware that personal information has been collected in violation of applicable law, we will take reasonable steps to address the same.

15. Grievance Redressal

If you have any concern, complaint, question, or grievance relating to the collection or processing of your personal information, you may contact our designated grievance/privacy contact using the details provided below.

We will handle complaints and requests in accordance with applicable laws and regulatory requirements.

Email: [Insert Official Grievance/Privacy Email]
Phone: [Insert Official Contact Number]

16. Indemnity

To the extent permitted under applicable law, you agree to indemnify and hold harmless ARMS FINTECH SERVICES PRIVATE LIMITED, its officers, employees, affiliates, service providers, and authorized partners from claims, losses, liabilities, or expenses arising from your unlawful use of the Platform, violation of applicable terms, or unauthorized disclosure of information by you.

Nothing in this section shall limit any rights or remedies available to you under applicable law.

17. Severability

If any provision of this Privacy Policy is found to be invalid, unlawful, or unenforceable by a competent authority, such provision shall be interpreted or modified to the extent necessary to make it enforceable, and the remaining provisions shall continue to remain valid and effective.

18. Amendments to this Privacy Policy

We may update or modify this Privacy Policy from time to time to reflect changes in our services, technology, business practices, or applicable legal and regulatory requirements.

Any updated version will be published on the SalaryInAdvance Website or Mobile Application with the revised “Last Updated” date.

You are encouraged to review this Privacy Policy periodically.

19. Applicable Laws and Regulatory Compliance

This Privacy Policy shall be interpreted in accordance with applicable laws and regulations of India.

Where applicable to our activities and services, we seek to comply with relevant requirements relating to digital lending, data protection, consumer protection, information security, KYC, and other applicable regulatory obligations.

Where SalaryInAdvance acts as a lending service provider or technology/service partner for a regulated entity, applicable regulatory requirements governing such arrangements shall also apply.

The Reserve Bank of India issued the Reserve Bank of India (Digital Lending) Directions, 2025, which consolidate requirements concerning digital lending, customer protection, disclosures, technology, data, and related matters for regulated entities and applicable arrangements.

The Digital Personal Data Protection Act, 2023 provides a framework relating to the processing of digital personal data and includes provisions concerning notices, consent, security-related obligations, access, correction, erasure, and grievance redressal. The DPDP Rules, 2025 and the notified commencement timeline should also be considered as applicable provisions come into force.

20. Contact Details

ARMS FINTECH SERVICES PRIVATE LIMITED
Brand: SalaryInAdvance

Registered Office / Corporate Address:
705 & 706, Aggarwal, Cyber Plaza-1, NSP, Saraswati Vihar, Delhi, North West Delhi- 110034, Delhi

Privacy / Grievance Email: info@salaryinadvance.com
Customer Support / Grievance Number: xxxxxxxxxx

21. Consent and Acknowledgement

By accessing, registering on, or using the SalaryInAdvance Website, Mobile Application, or services, you acknowledge that you have read and understood this Privacy Policy.

Where consent is required under applicable law, we will obtain the necessary consent before processing personal information for the relevant purpose.

You may have the right to withdraw consent where the processing is based on consent, subject to applicable legal, regulatory, contractual, and operational requirements.

SalaryInAdvance is a brand operated by ARMS FINTECH SERVICES PRIVATE LIMITED.