Anjaa Marketing Privacy Policy

Effective Date: July 2026

Welcome to Anjaa. We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and mobile application.

1. Information We Collect:

   We may collect the following information:

   • Full Name
   • Mobile Number
   • Email Address
   • Residential Address
   • Referral Code
   • Payment Reference Number
   • Bank Account Details
   • KYC Documents (if required)
   • Device Information
   • Login History
   • IP Address
   • Transaction History

2. How We Use Your Information:

   Your information is used to:

   • Create and manage your account.
   • Process registrations and payments.
   • Manage chit schemes and subscriptions.
   • Display customer dashboard information.
   • Send payment reminders and notifications.
   • Verify your identity.
   • Improve our services.
   • Comply with legal and regulatory requirements.

3. Information Sharing:

   We do not sell or rent your personal information. Your information may be shared only with:

   • Authorized employees
   • Payment gateway providers
   • Banking partners
   • Government authorities when legally required
   • Technology service providers assisting our operations

4. Data Security:

   We use appropriate administrative, technical, and physical safeguards to protect your information from unauthorized access, alteration, disclosure, or destruction. While we strive to protect your data, no online system can guarantee absolute security.

5. Cookies:

   Our website may use cookies to:

   • Maintain your login session.
   • Improve website performance.
   • Remember user preferences.
   • Analyze website usage.

6. User Responsibilities:

   You are responsible for:

   • Keeping your login credentials confidential.
   • Providing accurate information.
   • Updating your profile when information changes.

7. Third-Party Services:

   Our application may integrate with:

   • Payment gateways
   • SMS providers
   • Email providers
   • Cloud hosting providers

   These services have their own privacy policies.

8. Data Retention:

   We retain your information as long as necessary for:

   • Account management
   • Financial records
   • Legal compliance
   • Customer support

9. Children's Privacy:

   Our services are intended only for individuals legally eligible to enter into financial agreements. We do not knowingly collect personal information from minors.

10. Changes to Privacy Policy:

    We may update this Privacy Policy periodically. Any changes will become effective upon publication on our website or application.

11. Contact Us:

    If you have questions regarding this Privacy Policy, please contact us using the support details provided by Anjaa.