Privacy Policy

Navya NGS Pvt Ltd("we", "us", "our") acts as a Direct Selling Agent (DSA) and channel partner for various banks and non-banking financial companies ("lending partners"). This policy explains what personal information we collect when you use this website or apply for a loan through us, why we collect it, how it is used, and the rights you have over it.

We collect information you provide directly, including:

• Contact details — name, phone number, email address, city
• Loan requirement details — loan type, amount, purpose, monthly income
• Application documents you choose to share for processing a specific loan — identity and address proof, income proof, bank statements, property documents, and similar records requested by a lending partner

We also collect limited technical information automatically (see Section 7, Cookies) such as browser type and pages visited, to keep the site working correctly.

We process your personal data on the basis of your consent, given when you submit an enquiry, eligibility check, or application form on this site. Consistent with the Digital Personal Data Protection (DPDP) framework, we collect only what is necessary for the stated purpose:

• To respond to your enquiry and assess which lending partner(s) may fit your requirement
• To prepare and submit your application to a lending partner you've agreed to proceed with
• To contact you about the status of your application
• To meet legal and regulatory record-keeping obligations

You may withdraw consent at any time by contacting our Grievance Officer (Section 9); this will not affect processing already carried out, or an application already submitted to a lending partner.

To process a loan application, we share the relevant information you provide with the specific bank(s) or NBFC(s) you choose to apply through. We do not sell your personal data, and we do not share it with lending partners you have not agreed to apply to. Each lending partner processes the data you share with them under its own privacy policy.

We retain application data for as long as needed to complete the loan process and to meet applicable legal, accounting, or regulatory retention requirements, after which it is deleted or anonymised. PLACEHOLDER — confirm the specific retention period(s) that apply to your records before publishing.

Subject to applicable law, you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate or incomplete data
• Request erasure of your data, where it is no longer needed for the purpose collected
• Withdraw consent to future processing

To exercise any of these rights, contact our Grievance Officer using the details in Section 9.

This site uses cookies necessary for basic functionality. PLACEHOLDER — list any analytics, advertising, or third-party cookies actually in use once added, along with how a visitor can opt out.

We take reasonable technical and organisational measures to protect the personal data we hold from unauthorised access, alteration, disclosure, or destruction. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

For any privacy-related question, complaint, or request, contact our Grievance Officer: Sonia Gupta · Sonia@navyangs.in · +91 96542 32452. We aim to respond within 2 business days.