Privacy Policy

Privacy Policy

1. Introduction

Who we are

Mobihive Technology operates the CreditHive POS mobile application. The App is used by authorised agents to perform point-of-sale operations, including credit-based sales, cash sales, lead management, customer onboarding, and payment-related activities.

Purpose of this policy

This Privacy Policy explains what personal and other data we collect, how we use it, with whom we share it, how we protect it, and what rights you have when you use the App.

Applicability

  • Agents and authorised users of the CreditHive POS App
  • End customers or leads whose personal data is processed through the App by authorised agents

Consent

By installing or using the App, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, you should not use the App.

2. Information We Collect

2.1 Information You Provide

Account and login information

  • Username and/or email address
  • Password (stored securely in encrypted form)
  • “Remember me” credentials, if enabled, stored securely on the device

Login session and device details

  • Device location (latitude and longitude) at the time of login
  • App build/version
  • Push notification token (e.g., Pushy token)

Agent profile information

  • Agent ID
  • Assigned permissions and roles
  • Currency and country code
  • Warehouse or store mapping details

Some of this information may be stored locally on the device to enable App functionality.

2.2 Information Collected Through the App (Leads / Customers)

Identity and contact details

  • Full name
  • Mobile number
  • Email address
  • Date of birth

Employment and financial details

  • Employer name
  • Occupation or designation
  • Employment type and start date
  • Monthly income
  • Number of dependents
  • Existing loans and monthly obligations
  • Monthly savings

Address information

  • Residential or business address
  • Address proof documents

KYC and verification data

  • Identity documents (e.g. government-issued ID)
  • Address proof documents
  • Facial image and face liveness data, where applicable

Transaction and payment information

  • Order IDs and transaction IDs
  • Credit amount, tenure, and repayment schedule
  • Payment amounts and payment status
  • Payment proof images and verification data

Some transaction-related data may be stored temporarily on the device to support background verification or “payment pending” flows.

2.3 Information Collected Automatically

Device and app information

  • Device model and manufacturer
  • Operating system and version
  • App version
  • Language and locale preferences

Usage data

  • App activity such as screens accessed and actions taken

Location data

Location information is collected when permission is granted and used for security, compliance, and operational purposes.

3. How We Use Your Information

  • Authenticate users and manage secure sessions
  • Store and manage access and refresh tokens securely
  • Support agent operations and workflows
  • Create and manage leads, orders, and sales
  • Assess customer eligibility for credit-based transactions
  • Conduct KYC and identity verification
  • Process payments and verify transactions
  • Display payment and verification status
  • Detect and prevent fraud or misuse
  • Improve App performance using aggregated data
  • Comply with legal and regulatory obligations

4. Legal Basis for Processing

  • Contractual necessity
  • Consent
  • Legitimate interests
  • Legal obligation

5. Data Storage and Security

On-device storage

Sensitive data is stored using secure, encrypted storage mechanisms.

Data transmission

All data exchanged between the App and servers is transmitted over secure HTTPS connections.

Data retention

Personal data is retained only as long as necessary to provide services and meet legal requirements.

6. Sharing and Disclosure

  • Service providers supporting App operations
  • Payment and KYC partners
  • Regulators and law enforcement when required
  • Affiliated group companies

We do not sell personal data to third parties for marketing purposes.

7. Third-Party Services and SDKs

The App uses third-party services for camera access, face verification, location services, notifications, secure storage, and network communication.

8. Your Rights

  • Access your personal data
  • Correct inaccurate data
  • Request deletion of data
  • Restrict or object to processing
  • Request data portability
  • Withdraw consent
  • Lodge a complaint with a data protection authority

9. Children’s Privacy

The App is intended for business use only and is not designed for individuals under the minimum legal age.

10. International Data Transfers

Appropriate safeguards are applied for any international data transfers as required by law.

11. Changes to This Policy

Updates to this Privacy Policy will be published in the App or on the official website.

12. Contact Us

Company Name: Mobihive Technologies Private Limited

Address: 2816, Sector 40B Rd, Sector 40C, Sector 40B, Chandigarh, 160036

Email: technical@mobihivelabs.com

Phone: +91 80058 22798