Privacy Policy

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1. Who we are

("Cliqpe", "we", "us") provides cloud-based loan management software at for gold and silver loan companies, pawn brokers and cooperative societies. Operated by , .

2. Two roles: your business and us

A lending business (the "Company") uses Cliqpe to record its own customers, loans, pledged articles, payments and accounts. For that customer data, the Company decides why and how the data is used (it is the data fiduciary / controller) and Cliqpe processes it on the Company's behalf (data processor). For account, billing and support data about the Company and its staff, Cliqpe is responsible for its own use.

3. What we collect

• Company and staff account data: company name, address, phone, email, logo, user names, names, roles, encrypted (hashed) passwords, last login time.
• Business records entered by the Company: customer names, phone numbers, village/address, last four digits of Aadhaar (if entered), loan and pledge details, payments, deposits, expenses, auctions, accounts, forms and terms the Company prepares.
• Photographs: customer photos captured through the webcam or uploaded at pledge and release. The camera is used only when a user presses the capture button and the browser permission is granted. Photos are stored as small compressed images in the database. The Company is responsible for obtaining the customer's consent for the photograph.
• Billing records: payments you make to us, plan, validity dates, invoice details.
• Support tickets: messages and screenshots you send us.
• Technical data: IP address, browser type and server logs for security and troubleshooting; a session cookie that keeps you logged in.

We do not collect card or bank details; payments are made outside the software (for example UPI or bank transfer).

4. How we use data

• To provide, secure and support the software and each Company's dashboard.
• To send service emails: welcome mail, user credentials, password resets, payment receipts, renewal reminders, support replies.
• To bill subscriptions and keep accounting records.
• To prevent misuse and meet legal obligations.

We do not sell personal data and we do not show advertising. We do not use a Company's customer data for any purpose other than running the service for that Company.

5. Consent and legal basis

We process data with your consent (given when you register and accept this policy and the Terms), to perform our contract with you, and where the law requires, in line with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 of India. Each Company must ensure it has a lawful basis and any required consent from its own customers.

6. Who can see data

• Within a Company: only users that Company created, according to role (admin, manager, cashier). One Company can never see another Company's data.
• Cliqpe staff: the software owner and support agents can see account, billing and support information. Support agents see tickets only. We access a Company's business records only when needed to fix a problem you reported or when legally required.
• Service providers: our web hosting provider and email delivery systems, only as needed to run the service.
• Authorities: if required by law or a valid legal order.

7. Cookies and local storage

We use one essential session cookie for login and security, and your browser's local storage to remember your language choice. We do not use advertising or tracking cookies.

8. Security

Passwords are stored hashed. Sessions are protected against cross-site request forgery. Data is separated per Company. Access over HTTPS is required for camera features. No system is perfectly secure; please use strong passwords, do not share logins, and lock users who leave your business. If we become aware of a breach affecting your data, we will notify you as required by law.

9. Retention and deletion

We keep a Company's data while its account is active. After the account ends we keep it for up to 90 days so you can export it, then delete it, except billing and tax records we must keep for the period required by law. You can ask us to delete your account earlier.

10. Your rights

You may ask to access, correct, export or erase your personal data, withdraw consent, or nominate someone to exercise your rights. Company users should first contact their own Company administrator for customer-related requests. For anything about Cliqpe's own handling of data, contact us below. We aim to respond within 30 days.

11. Children

The service is for businesses and is not directed at persons under 18. Companies must not record loans in the name of a minor except through a lawful guardian.

12. Where data is stored

Data is stored on servers of our hosting provider. We will tell you if the hosting location changes materially.

13. Changes

We may update this policy. The date above shows the latest version; for material changes we will notify you in the software or by email.

14. Contact and grievance officer

Grievance officer:
Email:
Phone:
Address: