ArvFin · Apps: ArvFin, ArvFin Agent and ArvFin Attendance
Effective date: 11 October 2026 · Last updated: 11 October 2026
This Privacy Policy explains what personal information ArvFin ("we", "us", "our") collects when you use our mobile apps (ArvFin, ArvFin Agent and ArvFin Attendance) and our website https://arvfin.com, why we collect it, how we use and protect it, and the choices you have. By using the apps you agree to this policy.
ArvFin is the "data fiduciary" (controller) for the information handled through these apps. The apps run on the ArvFin micro-finance platform, which processes the information on our behalf and only under our instructions.
1. Who uses the apps
- ArvFin — for our borrowers and savers, to see loans, repayment schedules, savings and receipts.
- ArvFin Agent — for our field agents, to record collections and visits.
- ArvFin Attendance — for our employees, to mark attendance and apply for leave.
You can only sign in if ArvFin has created an account for you. We do not offer public sign-up.
2. Information we collect
Customers (ArvFin)
- Identity and contact details you gave us when you joined: name, mobile number, address, branch and group.
- Account and loan records: loan accounts, instalment schedules, repayments, savings balances and transactions, receipts and notifications.
- Sign-in data: your mobile number and a PIN (MPIN) or password. The PIN is stored on your phone only in protected form and is never shown.
- Biometric unlock (optional): if you turn on fingerprint or face unlock, the check is done by your phone's operating system. We never receive or store your fingerprint or face data.
Field agents (ArvFin Agent)
- Account details: name, employee code, mobile number, email, branch.
- Collection records: amounts collected, customers visited, receipts, time and date.
- Location: your phone's precise location while you are using the app or are on duty with the tracking notification showing, used to confirm visits, show your route to your manager, and prevent fraud. We do not collect location in the background when you are off duty, and the app does not use background-location permission.
- Attendance and leave entries you submit.
Staff (ArvFin Attendance)
- Account details: name, employee code, email, branch.
- Attendance: check-in and check-out time and the location at that moment, to confirm you are at the office or an approved work site (geofence).
- Leave requests and their status.
All apps
- Device and technical data: app version, operating-system version, crash and error information, and IP address, used for security and troubleshooting.
- Stored on your device: sign-in session token and settings, kept in the phone's secure storage.
We do not collect your contacts, photos, files, microphone recordings, SMS messages or advertising ID, and we do not use the camera.
3. How we use the information
- To provide the services you or your employer use the app for (loan, savings, collection, attendance and leave management).
- To verify your identity, secure your account and detect or prevent fraud and misuse.
- To send service notifications such as instalment reminders, receipts and leave decisions.
- To keep records required by law, including RBI and other financial-sector regulations, accounting, audit and tax rules.
- To support users and fix problems.
We do not sell your personal information, do not show advertising in the apps, and do not use your information for third-party marketing.
4. Legal basis
We process your information to perform our agreement with you or your employment contract, to comply with legal obligations, for our legitimate interests in security and fraud prevention, and with your consent where the law requires it (for example, device permissions such as location, which you can withdraw at any time in your phone settings).
5. Sharing
We share information only when needed:
- Our service provider that hosts and runs the ArvFin platform and database, under a confidentiality and data-processing agreement.
- Authorities, courts and regulators when required by law or a valid legal request, and credit information companies where the law requires reporting of loan data.
- Within ArvFin: your branch, managers and authorised staff can see your records for their work. Agents and staff can only see data for their own role and branch.
- In a merger or transfer of business, subject to the same protections.
6. Security
All data travels over encrypted HTTPS connections. Session tokens are kept in the phone's secure storage. Access is limited by role, activity is logged, and the server is protected by rate limiting and regular backups. No system is perfectly secure; if a breach affecting you occurs, we will notify you and the authorities as required by law.
7. Retention
We keep loan, savings and accounting records for as long as the account is active and for the period the law requires afterwards (generally at least 8 years for financial records). Attendance and location records are kept for 12 months. After that we delete or anonymise them. See the deletion page for how to request removal.
8. Your rights
You can ask us to: access the information we hold about you; correct inaccurate information; delete your information (subject to records we must keep by law); withdraw consent; and raise a complaint. Use the contact details below or the account-deletion page: https://arvfin.com/delete-account?org=arvfin.
9. Children
The apps are for adults (18+). We do not knowingly collect information from children.
10. International processing
Our servers are located in India. If information is ever processed elsewhere, we will apply equivalent protection.
11. Changes to this policy
We will post any update here with a new date. If a change is significant we will tell you in the app.
12. Contact and grievance officer
ArvFin
Registered office: available on request at the email below
Email: support@arvfin.com · Phone: 9142125724
Grievance Officer: Grievance Officer (support@arvfin.com). We acknowledge complaints within 48 hours and aim to resolve them within 30 days.