Privacy Policy

Welcome to the Privacy Policy of Zayra (hereinafter referred to as “we,” “us,” or “our”). This policy outlines how we collect, use, disclose, and protect your personal information when you use our website (“Website”) and mobile application (“Zayra App,” together referred to as the “Zayra Platform”). The Zayra Platform is operated by SANJVIV TECHNOLOGY PRIVATE LIMITED, registered at:

As a fintech service provider, we have established a strategic partnership with the licensed NBFC Achyut & Neeta Holdings & Finance Private Limited, to deliver efficient and compliant loan products and financial services (collectively referred to as the “Services”) through the Zayra platform.

Why We Collect Information

We developed the Zayra platform to help users make better financial decisions. To improve our services and provide a secure and personalized experience, we collect certain information about our users. By using our platform, you agree to the collection, processing, storage, and sharing of your personal data as outlined in this Privacy Policy.

Information We Collect

We may collect the following types of information:

1. Information You Provide or Authorize Us to Collect

• Product and Service Preferences
• Contact and Demographic Details: Name, date of birth, address, email, phone number, PAN number, etc.
• Employment and Income Information: Employer name, salary amount, pay cycle, etc.
• Financial Account Information: Account balances, loan history, transaction data, etc.
• Identity Verification: Including selfies, ID photos, and biometric data (e.g., facial features)
• Location Data: GPS location, IP address
• Customer Service Records: Call recordings, support emails, chat records
• Inferred Data: Creditworthiness and user behavior derived from the above information
• Financial-related SMS information: With your authorization, we only access SMS messages related to financial transactions (such as bank notifications, payment reminders, or credit records) to assess your credit status and provide you with pre-approved loan plans. The filtered SMS content will be encrypted and uploaded to https://yard.sanjviv-technology.com/ for anti-fraud and credit risk assessment. Information includes sender number, receiving time, SMS content, read status, etc. You can disable this permission, but this may affect your loan amount assessment.

2. Information Automatically Collected

• Device Information: IP address, device ID, OS version, browser type, etc.
• Geolocation & Usage Behavior
• App List & Camera Access: For KYC, identity verification, or document uploads

How We Use Your Information

We use your personal data for purposes including, but not limited to:

• Providing loan products and services
• Performing identity checks and credit assessments
• Enhancing product quality and user experience
• Sending notifications, status updates, and promotional content
• Complying with legal and regulatory obligations
• Detecting fraud or malicious activity
• Conducting analytics and optimizing our services

Information Sharing and Disclosure

We may disclose your personal information under the following circumstances:

• Credit Bureaus: For soft credit inquiries or scoring
• Corporate Transactions: In the event of a merger, acquisition, or asset sale
• Regulatory Authorities: To comply with legal or governmental requirements
• Other Legal Purposes: As required by applicable law or to protect our interests

Children's Privacy

Zayra does not provide services to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware of such data, we will delete it promptly.

Data Security

We implement reasonable technical and administrative safeguards to ensure the safety and confidentiality of your data. These measures are regularly reviewed and updated in line with industry standards.

Contact Us

If you have any questions regarding this Privacy Policy or your personal data, please reach out to us at:

📧 Email: sanjay@sanjviv-technology.com