Effective date: October 31, 2025
Welcome to Tree Coin ("we", "us", "our"). We provide a mobile application that helps agents and customers manage loan products, apply for loans, and complete verifications. This Privacy Policy explains what personal data we collect, how we use it, with whom we share it, and the rights you have over your data.
By using the Tree Coin app, you consent to the collection and use of information in accordance with this Privacy Policy.
App / Service: Tree Coin mobile application and related services.
User / You: Any person using the App (customers, agents, super-admins).
Personal Data: Any information that identifies or can reasonably identify an individual.
We collect the following types of information:
Phone number (used for OTP login)
OTP (one-time passwords) and verification metadata
User role (customer, agent, super-admin)
Full name
Email address (if provided)
Address (if required for KYC)
Government-issued ID details / KYC documents (photo of ID, PAN, Aadhaar, passport, etc.) when required for verification
Loan application details (amount, loan product selected, tenure)
Repayment schedules, transaction records, disbursal and repayment statuses
Bank account or UPI details, if provided for disbursal/repayment (stored or shared only as necessary and in secure manner)
Device ID, operating system, app version
IP address, timestamps, crash logs and diagnostic data
Analytics data (how you use the app, pages/screens visited)
Approximate or precise location only if you grant permission and we need it for service provision (e.g., agent/customer location for onboarding/verification)
Support requests, chat messages, email communications, call logs (if recorded with consent)
We use information to:
Authenticate users (OTP login) and secure accounts.
Provide and operate loan services, allow agents to create/manage customer profiles and submit applications.
Perform KYC and identity verification.
Process disbursal and repayments (with your consent).
Communicate about account, transactions, updates, and legal notices.
Improve and maintain the app (analytics, crash reporting).
Detect and prevent fraud, comply with legal and regulatory obligations.
Provide customer support and dispute resolution.
Where applicable, we process personal data based on:
Consent (e.g., OTP, KYC documents).
Contractual necessity (to provide the services you request).
Legal compliance (for financial recordkeeping, anti-money laundering and regulatory obligations).
Legitimate interests (fraud prevention, app improvements), balanced against your privacy rights.
We may share personal data with:
Service providers who help operate the App (cloud hosting, analytics, SMS/OTP providers, payment processors).
Banks / Payment partners for disbursusals and collections.
Credit bureaus or financial partners if required for credit decisioning (only after notifying/consenting users where required).
Verification providers for KYC and identity checks.
Regulatory or law enforcement authorities when required by law or to protect rights, safety, or property.
Acquirers or business partners in case of merger, sale or reorganization (users will be notified where required).
We require all third parties to protect data and use it only for the purposes we authorize.
We keep personal data as long as needed to provide services and to comply with legal obligations (for example, records required under financial regulations). When data is no longer required, we will delete or anonymize it in a secure manner.
We implement reasonable technical and organizational measures to protect data from unauthorized access, disclosure, or alteration. These measures include encryption in transit (TLS), access controls, secure hosting, and periodic security reviews. However, no system is completely secure — report any suspected issues to the contact below.
Depending on your jurisdiction, you may have rights including:
Access: Request a copy of your personal data.
Correction: Correct inaccurate or incomplete data.
Deletion: Request deletion of your data (subject to legal/contractual retention obligations).
Restriction or objection: Limit or object to certain processing.
Portability: Request your data in a machine-readable format.
To exercise rights, contact us at the details below. We may ask to verify your identity before acting on requests.
The App is not intended for children below 18 years. We do not knowingly collect personal data from minors. If we learn we have collected data from a minor without parental consent, we will delete it.
If personal data is transferred outside your country, we will ensure appropriate safeguards are in place (e.g., standard contractual clauses, trusted processors) to protect your data.
We may use cookies or similar technologies for analytics and to improve app functionality. Mobile apps may use device identifiers or SDKs for analytics; these are not used to identify you personally except as described.
The App may link to third-party services (e.g., credit bureaus, payment gateways). We are not responsible for their privacy practices; please review their policies.
We may update this Privacy Policy. We will notify users of significant changes via in-app notification, email (if provided), or by updating the effective date. Continued use after changes indicates acceptance.
For privacy-related inquiries, to exercise rights, or to report concerns, contact:
Tree Coin — Privacy Team
Email: thebaapcompany@gmail.com