Privacy Policy
Last Updated: November 2025
NRA Pay Tech Pvt. Ltd. (“Company”, “we”, “our”, “us”) operates the website www.nrakredit.com. This Privacy Policy explains how we collect, use, store, and protect the personal information of our customers (“you”, “user”) when you use our website or financial services.
1. Information We Collect
- Personal Identification Information: Full name, date of birth, address, phone number, email ID, and government ID (such as Aadhaar, PAN, etc.).
- Product & Transaction Details: Products instalment payment service, Instalment details, payment records, and auto-debit authorization data.
- Financial Information: Bank account details, UPI ID, or Razorpay transaction data for Instalment processing.
- Device & Technical Information: IP address, browser type, and access logs for security and analytics purposes.
2. How We Use Your Information
We use your personal and financial data for:
- Processing your instalment payment service applications and Instalment plans.
- Setting up auto-debit payments via Razorpay eNACH or other payment partners.
- Communicating updates related to your Payment Narration, Instalment, or account.
- Fulfilling legal and regulatory obligations.
- Improving customer support and website experience.
We never sell or rent your personal data to any third party.
3. Data Protection and Security
We use industry-standard encryption, secure servers, and restricted access to protect your information. All Razorpay and eNACH transactions are handled through secure, RBI-compliant payment gateways. However, please note that no online system is 100% secure, and users are advised to keep login credentials confidential.
4. Sharing of Information
Your data may be shared only with:
- Authorized payment gateways (e.g., Razorpay) for Instalment auto-debit.
- Regulatory authorities if required under Indian law.
- Service partners strictly for operational and verification purposes.
We do not share your data with any unrelated or unauthorized third party.
5. Cookies
Our website may use cookies for analytics, session management, and personalization. You can manage or disable cookies through your browser settings.
6. Your Rights
You have the right to:
- Access or correct your personal data.
- Request deletion of your data (subject to legal and financial obligations).
- Withdraw consent for marketing communications at any time.
Access or correct your personal data. - Request deletion of your data (subject to legal and financial obligations). - Withdraw consent for marketing communications at any time.
7. Data Retention
We retain customer data only for as long as required to fulfill instalment payment service agreements and legal obligations, after which it is safely deleted or anonymized.
8. Changes to this Privacy Policy
We may update this policy from time to time. Any updates will be posted on our website with a revised “Last Updated” date.
9. Contact Us
If you have any questions or concerns regarding this Privacy Policy, please contact:
Company Name: NRA Pay Tech Pvt. Ltd.
Address: House No. 53, Prem Nagar, Loni Dehat, Ghaziabad, Uttar Pradesh
Email Id: info@nrapaytech.com
Phone Number: 9313066933