Privacy Policy – Nishwik Global Fintech Private Limited

1. Introduction

Nishwik Global Fintech Private Limited ("Nishwik", "we", "us", "our") is a fintech technology company that develops and provides software platforms including ERP, CRM, and digital business solutions. Some of our software and services may be offered free of charge.

This Privacy Policy explains how we collect, use, store, and protect personal information when users interact with our platforms, including communication services enabled through the Meta WhatsApp Business Platform.

2. Information We Collect

Depending on the services used, we may collect the following information:

• Phone number
• Name (if provided)
• Message content (only for delivery, logging, or support purposes)
• Message metadata such as timestamps and delivery status
• Technical information required for system operation

We collect only the minimum information necessary to provide our services.

3. How We Use Information

• Sending transactional notifications via WhatsApp on behalf of businesses using our platform
• Providing customer support communications
• Maintaining message delivery logs and system audits
• Improving platform reliability, security, and performance

We do not use WhatsApp message data for advertising, profiling, or selling to third parties.

4. WhatsApp Business Platform Usage

Our platform integrates with the Meta WhatsApp Business Platform to enable business communications.

• Messages are sent on behalf of businesses using our software
• Phone numbers and message data are processed only to deliver messages
• Meta Platforms, Inc. processes messages according to its own privacy policies

Important Financial Data Disclaimer

WhatsApp is used strictly as a communication channel. We do not transmit or request sensitive financial information through WhatsApp, including but not limited to:

• Bank account numbers
• Card details
• PINs or passwords
• Authentication credentials

5. User Consent (Opt-In)

End users must explicitly opt in to receive WhatsApp messages. Consent may be collected through:

• Application forms
• Website checkboxes
• Customer-managed systems

Consent records are stored by our platform or by the business using our services.

6. Opt-Out Mechanism

Users may opt out of WhatsApp communications at any time by:

• Replying STOP (or a similar keyword) to a WhatsApp message
• Using the opt-out option provided within the application
• Contacting the business directly

Once opt-out is registered, no further WhatsApp messages will be sent.

7. Data Sharing and Disclosure

We do not sell or rent personal data. Information may be shared only:

• With Meta Platforms, Inc. for WhatsApp message delivery
• With service providers supporting platform operations
• When required by law or legal process

All sharing is limited to what is necessary to provide the service.

8. Data Retention

Personal information is retained only for as long as necessary to provide the requested services and to meet legal or regulatory obligations. Data is securely deleted or anonymized when no longer required.

9. Security Measures

We implement appropriate administrative, technical, and organizational safeguards to protect personal information against unauthorized access, misuse, or disclosure.

10. Free and Paid Services

Our software and services may be offered free of charge or under different pricing models. Regardless of pricing, all user data is handled in accordance with this Privacy Policy and is never monetized through data resale.

11. Third-Party Links

Our website or applications may contain links to third-party websites. We are not responsible for the privacy practices or content of such external sites.

12. Changes to This Policy

We may update this Privacy Policy periodically. Updated versions will be published on our website with a revised effective date.

13. Contact Information

For questions or concerns regarding this Privacy Policy, please contact:

Nishwik Global Fintech Private Limited

Email: support@nishwikbank.com

Website: https://nishwik.com