Created On / Last Updated: 23 January 2026
This Privacy Policy describes how BYAZ INFOTECH PRIVATE LIMITED (“we”, “our”, “us”) collects, uses, stores, and protects user information through the BYAZ mobile application and website.
Company Name: BYAZ INFOTECH PRIVATE LIMITED
Website: https://byaz.in
Support Email: support@byaz.in
Location: Solapur, Maharashtra, India – 413006
By using the BYAZ application or website, you agree to the terms of this Privacy Policy. Authentication through OTP verification is treated as your explicit consent to this Privacy Policy and the associated Terms & Conditions.
1. Information We Collect
We may collect the following types of information:
a. Personal Information
- Mobile number
- Email address (if provided)
- Name (if provided)
b. Financial & Credit Information
- Loan account details
- Credit score and credit report data (CIBIL or other authorized bureaus)
- Loan tenure, interest rate, EMI details, and repayment history
c. Technical Information
- Device information
- App usage data
- IP address
- Log data for security and analytics purposes
2. Consent to Fetch CIBIL / Credit Report
By verifying your mobile number using OTP, you explicitly authorize BYAZ INFOTECH PRIVATE LIMITED to:
- Fetch your credit report from CIBIL or other authorized credit bureaus
- Access loan-related information from financial data partners
- Use such information strictly for providing insights, loan tracking, and interest-saving calculations
This consent remains valid unless revoked by the user in accordance with applicable laws.
3. Purpose of Data Usage
We use your information to:
- Analyze loan accounts and calculate potential interest savings
- Provide EMI and repayment insights
- Maintain and display loan information within the app
- Improve app functionality and user experience
- Comply with legal and regulatory requirements
BYAZ does not provide loans or financial advice. All calculations are indicative.
4. Data Accuracy Disclaimer
- Calculations shown in the BYAZ app are informational and indicative only
- Actual EMI, interest, and savings may vary based on bank policies
- Users are advised to verify figures with their respective banks or lenders
5. Data Storage & Security
We implement reasonable security practices and procedures to protect user data, including:
- Secure servers
- Encrypted data transmission
- Restricted access controls
However, no system is completely secure, and we cannot guarantee absolute security of information.
6. Data Sharing & Disclosure
We do not sell or rent user data.
We may share data only with:
- Authorized credit bureaus (e.g., CIBIL)
- Regulated financial data partners
- Service providers strictly for app functionality
- Government or legal authorities if required by law
7. Data Retention
User data is retained only for as long as:
- Required to provide services
- Necessary to comply with legal and regulatory obligations
Users may request deletion of their data by contacting support@byaz.in, subject to applicable laws.
8. User Rights
Users have the right to:
- Access their personal information
- Request correction of inaccurate data
- Withdraw consent (where applicable)
- Request deletion of their data, subject to legal obligations
9. Children’s Privacy
BYAZ is not intended for users under the age of 18. We do not knowingly collect data from minors.
10. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Any changes will be effective upon posting on the app or website. Continued use of BYAZ indicates acceptance of the updated policy.
11. Contact Information
If you have any questions, concerns, or complaints regarding this Privacy Policy, please contact us:
📧 support@byaz.in
🌐 https://byaz.in
📍 Solapur, Maharashtra, India – 413006