NeoChat Privacy Policy
Last updated: 29 September 2026
This Privacy Policy is issued by Echoblend Technologies Pvt Ltd, which operates the Neodhan lending platform and NeoChat ("Neodhan", "we", "us", "our"). It explains, in plain language, what personal data we collect through NeoChat, why we collect it, how long we keep it, with whom we share it, and what choices you have under Indian law, including the Digital Personal Data Protection Act, 2023. Please read it in full before you tick the acceptance box in the app. NeoChat is a business messaging and loan-servicing application used by borrowers and by authorised Neodhan staff. It is not a social network, not a consumer entertainment app, and not a substitute for your loan agreement, sanction letter, or KYC completed in the Neodhan lending workflow. This page is the Play-hosted copy of the same policy shown in NeoChat. The broader Neodhan website and loan policy is at neodhan.com/privacy.
1. Who this policy applies to
This policy applies to every person who installs NeoChat, receives an OTP on a mobile number registered with Neodhan, or is invited into a loan room as a customer, co-borrower, or staff member. NeoChat is intended only for adults who are 18 years of age or older and who are capable of contracting under Indian law. It is not directed at children. If you are under 18, you must not create or use an account. Staff access is limited to people whom Neodhan has added in the loan management system. If you use NeoChat on someone else's phone, you remain responsible for making sure that person understands that messages and documents about a loan may appear on that device.
2. What NeoChat is for
NeoChat exists so that a borrower and the Neodhan team assigned to an application can message each other, share supporting documents, see application status, invite a co-borrower the borrower chooses, and (if Contacts are allowed on the phone) find people who already use NeoChat. Applying for credit, running KYC, and signing loan papers may continue in the Neodhan app or at a branch. NeoChat does not itself sanction a loan, disburse money, set interest, or replace a registered legal notice unless we say so in writing. Status shown in a chat room is informational. If it conflicts with your sanction letter or loan agreement, those documents control.
3. Account and identity information
We use your ten-digit Indian mobile number to send a one-time password and to recognise you when you sign in. We may store the name that already exists on your Neodhan customer or staff profile. Email is optional: we save it only if you type it in Profile. We do not ask you for a password in NeoChat. OTP Autofill, if Android or iOS offers it, is handled by the operating system for that one code. NeoChat does not request permission to read your SMS inbox, call logs, or other apps. We do not collect IMEI, IMSI, or SIM serial numbers. Our servers see the IP address of the device on HTTPS connections, which is normal for any secure app.
4. Messages, documents, photos and video
When you send a message, attach a photo or video, upload a KYC or business document, share a contact you picked, or share a map pin, that content is processed so that the people in that loan room can service the application. Files are used for that conversation and that application, not to train advertising profiles and not to sell to marketers. Conversations may be reviewed by authorised Neodhan staff for servicing, quality, training, dispute handling, and fraud prevention. You must not upload documents you are not allowed to share, including another person's identity papers without a lawful basis.
5. Contacts on this phone
We seek access to your contacts so that you can find friends and colleagues already on NeoChat, add a co-borrower, and start referrals you choose. Names stay on this phone. This is optional and only gets triggered when you use People, co-borrower, or invite flows. Sharing one person in a thread still uses the system contact picker. We do not read contact emails, notes, or photos.
6. Camera, microphone and gallery
Camera, microphone (for video), and photo library access are optional. The operating system asks only at the moment you capture or pick a photo or video to send. We do not scan your gallery in the background, do not index every picture on the phone, and do not use camera access for anything except the file you choose to attach.
7. Location
Location is optional. We use it when you tap to share a pin or live location in a room, and when staff mark attendance. Live location runs only while NeoChat is open on screen. If you switch apps, lock the phone, or tap Stop, sharing ends. We do not request background location and we do not track you when NeoChat is not in use. If you refuse Location in the system dialog, chat still works; you can type an address instead. You change Location later in phone Settings, not inside a repeated in-app consent wall. Staff daily attendance GPS is stored on the staff attendance record in Neodhan's internal systems, not on a borrower loan file. Geotags on an application come from field photos an authorised staff member uploads and from pins or live share in that loan room.
8. Device signals
To reduce the risk that another device pretends to be you, we may store a limited snapshot such as hardware model, operating system name and version, NeoChat app version, whether the environment looks like a physical phone or an emulator, experimental indicators of root or jailbreak, and a NeoChat install identifier generated on the device. This is fraud and integrity support for a regulated lending workflow. It is not advertising ID harvesting. We cannot read IMEI or SIM serial on modern Play-distributed Android. There is no separate "Privacy & signals" screen in NeoChat; you change Contacts, Location, Camera, and Gallery in phone Settings.
9. What we do not collect
We do not read SMS or call logs. We do not list other applications installed on your phone. We do not scrape incoming messages to detect betting, gaming, crypto, or bank OTPs belonging to other companies. We do not sell personal data. We do not use Contacts, Location, Camera, or device signals to build an advertising graph.
10. Why we use data (purpose limitation)
We use personal data to operate NeoChat: sign-in, loan rooms, document exchange, status, co-borrower and referral flows you start, staff attendance, customer support, security, and compliance with Indian financial-services record rules. We use data only for these purposes or for a purpose that is reasonably connected and that the law allows. If we need a new purpose that is not obvious from this policy, we will tell you and, where required, ask again.
11. Sharing
We share data with Neodhan systems that already serve your loan so that relationship managers, credit, operations, and authorised partners can help you. We may use infrastructure providers who process data only on our instructions (for example hosting, object storage, and OTP delivery). We may disclose information if Indian law, a court, a regulator, or a lawful request requires it, or to protect Neodhan, our customers, or the public from fraud or harm. We do not sell your personal data.
12. Storage, security and international processing
Data in transit is sent over HTTPS. Login tokens and on-device flags use the phone's secure store where the platform allows it. Contact names used for matching stay on the device. No method of electronic storage is perfectly secure. We take reasonable technical and organisational measures appropriate to a lending-support chat app. Servers and processors may be in India or in other countries that host our cloud providers. Where data leaves India, we take steps required by applicable law.
13. Retention and deletion
Account, application, and chat records are kept for as long as your loan relationship needs servicing and for as long as applicable financial-services, tax, and dispute-retention rules require. After that they are deleted or anonymised. See also our Data Record Retention Policy. To request deletion of server-side personal data that the law allows us to delete, email privacy@neodhan.com from your registered mobile or email and identify the number used in NeoChat. We may retain limited records where the law requires it, for example in connection with a complaint, fraud investigation, or outstanding loan. Signing out of the app does not by itself delete server records.
14. Your rights and choices
You may refuse Contacts, Location, Camera, and Gallery in the operating-system dialogs or later in phone Settings. Basic chat, typing a number, and OTP login still work. Under the Digital Personal Data Protection Act, 2023, you may have rights to access, correction, grievance redressal, and (subject to legal exceptions) erasure. The Data Fiduciary for NeoChat is Echoblend Technologies Pvt Ltd, Gurgaon, India. Privacy: privacy@neodhan.com. Grievance: Grievances@neodhan.com, +91 92107 57300. Website: neodhan.com. The Play-hosted copy of this policy is at neodhan.com/neochat/privacy.
15. Changes to this policy
We may update this Privacy Policy when the product or the law changes. The "Last updated" date will change. Material changes will be shown in the app or on the website. Continued use after an update, where the law allows, means you accept the revised policy, except where we must obtain a fresh consent.