Privacy Policy

Last updated: October 10, 2026.

1. Who we are

Nio Capital operates with SMS Informatics Limited ("we", "us", "our"). Our office is at #8, 1st Cross, Lingappa Layout, Abbigere, Chikkabanawara Post, Bengaluru, Karnataka – 560090. You can contact us at support@niocapital.in or +91 73532 34451.

2. Information we collect

We collect only the information you choose to give us through our enquiry and contact forms, by phone, email or WhatsApp, such as:

• Your name, mobile number, email address (optional) and city.
• For insurance enquiries: the type of insurance, the kind of help you need, a description of the coverage you want, and any message you write.
• For loan enquiries: loan type, amount required, employment type, monthly income, business name and turnover (where relevant), loan purpose, whether you have existing loans, and any message you write.
• Your preferred contact method and your consent to be contacted.
• Technical information: the page where you started your visit, marketing campaign tags (UTM parameters) if you arrived from an advertisement, and a one-way scrambled (hashed) version of your IP address used to prevent spam and abuse. We use a session cookie that is needed for the forms to work securely.

We do not ask for passwords, OTPs, card PINs, online banking credentials or identity documents through our website forms. Please do not include them in any message.

3. Why we use your information

• To contact you about your enquiry and provide the information or assistance you asked for.
• To keep a record of our communication with you and follow up on your request.
• If you tick the optional sharing box, to send your enquiry to our partner banks, NBFCs or insurers so they can process it.
• To protect our website from spam, fraud and misuse.
• To comply with applicable law.

We rely on your consent, which you give by ticking the consent box on our forms. You can withdraw consent at any time by contacting us; this will not affect anything done before you withdrew it.

4. Sharing your information

We do not sell your personal information. We share it only:

• With partner banks, NBFCs, insurers or insurance intermediaries — only if you tick the separate, optional sharing box on our enquiry form, or agree to it later when we speak with you. We share what you entered in the form so they can process your request; their own privacy policies then also apply.
• With service providers who help us run our website, customer-relationship (CRM) systems and communications (for example, web hosting, CRM software or messaging services). Your enquiry may be sent to our CRM automatically when you submit it. These providers may process it only on our instructions.
• When required by law, regulation or a lawful request from authorities.

When you click a WhatsApp button, you leave our website and WhatsApp's own privacy policy applies to that conversation. Our WhatsApp links include only your reference number and product type — not your personal details.

5. How long we keep it

We keep enquiry records for up to 24 months after our last interaction with you, unless a longer period is required by law or you become a customer with an ongoing relationship. After that, we delete or anonymise them.

EDIT: If you connect integrations in Admin → Integrations, list the partner banks/NBFCs/insurers and CRM providers you send data to, and confirm you have agreements with them covering data protection.

EDIT: Confirm this retention period matches your actual practice and any legal or regulatory record-keeping obligations.

6. How we protect it

Insurance and loan enquiries are stored in two separate databases. Access to our admin system is restricted to authorised staff with individual passwords, and the website uses encrypted connections (HTTPS). No system is completely secure, but we take reasonable steps to protect your information and will act promptly if a problem arises.

7. Your choices and rights

Subject to applicable Indian law, including the Digital Personal Data Protection Act, 2023 and its rules as they apply, you may ask us to:

• Tell you what personal information we hold about you.
• Correct or update inaccurate information.
• Delete your information, where we are not required to keep it.
• Stop contacting you.

To make a request, email support@niocapital.in or call +91 73532 34451 and mention your reference number if you have one. We may need to verify your identity before acting on a request. We aim to respond within a reasonable time.

8. Grievances

If you have a concern about how we handle your information, please contact us at support@niocapital.in.

EDIT: If you appoint a Grievance Officer or Data Protection contact, add their name, designation and contact details here.

9. Changes to this policy

We may update this policy from time to time. The "last updated" date at the top shows when it was last changed.