Privacy Policy

1. Introduction

Welcome to KGN Karyatrack, provided by KGN Associates Loan Recovery agencies. We are committed to protecting your personal data and ensuring strict compliance with all privacy laws and Google Play Store policies. This privacy policy explains how we collect, use, and protect your information when you use our mobile applications and web platform for loan recovery management.

2. Information We Collect

To provide our loan recovery services effectively, we may collect and process the following data:

• Identity & Contact Information: Name, phone number, email address, and physical address of borrowers and field agents.
• Financial Information: Loan account details, outstanding balances, repayment history, and transaction records.
• Location Data: For field agents using our app, we collect precise location data (GPS) to optimize routes, verify visits, and ensure agent safety. This data is collected while the app is in use and in the background to ensure agent accountability.
• Device Data: We may collect device information and utilize services like Firebase Cloud Messaging to send notifications.

3. App Permissions (Google Play Compliance)

Our mobile application (KGN Karyatrack) requests specific device permissions to function correctly, in accordance with Google Play's strict policies:

• Location (ACCESS_FINE_LOCATION, ACCESS_COARSE_LOCATION): Used to get precise location data of agents during duty hours.
• Background Location (ACCESS_BACKGROUND_LOCATION, FOREGROUND_SERVICE_LOCATION): Required for tracking agent locations continuously in the background for safety, accountability, and field assignment tracking.
• Camera (CAMERA): Required for capturing and uploading documents, photos, or proof of physical visits directly from the app.
• Internet (INTERNET): Required to connect to our servers and synchronize data in real-time.

Note: We explicitly only collect data necessary for operations and do not access personal SMS, call logs, or personal phonebook contacts without explicit context and permission.

4. How We Use Your Information

• To manage and track loan recovery operations effectively for KGN Associates.
• To provide field agents with accurate borrower details and navigation assistance.
• To communicate with users regarding account status, updates, and support.
• To prevent fraud, ensure compliance with legal obligations, and maintain data security.

5. Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law.

Account Deletion Request: In compliance with Google Play Data Safety requirements, users can request the deletion of their account and associated data at any time. To request data deletion, please contact us at associatekgn861@gmail.com or visit our Support Page. We will process your request promptly.

6. Data Security

We implement industry-standard encryption, secure server hosting, and strict access controls to protect your data from unauthorized access, alteration, or disclosure.

7. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:
Company: KGN Associates Loan Recovery agencies
Email: associatekgn861@gmail.com
Phone: +91 83497 44348