Powered and operated by CK Tech Solutions
Effective Date: 30 September 2026
Last Updated: 30 September 2026
FinApp is a software-as-a-service platform developed and operated by CK Tech Solutions.
FinApp provides functionality for pawn-broking and gold-loan businesses, including customer management, KYC information, loan management, pledge management, interest and payment management, transaction records, reports, communications, and related business operations.
CK Tech Solutions is operated by CHEMPUKUTTI E (Sole Proprietor).
FinApp customers are independent businesses that use the platform to manage their own customers, borrowers, loans, pledges, transactions, and related business activities.
Depending on the processing activity, the FinApp customer may determine why and how personal data relating to its customers is collected and used, while CK Tech provides the technology and services required to operate the FinApp platform.
FinApp customers are responsible for using FinApp in accordance with applicable laws and for providing appropriate notices and obtaining any consent or other lawful basis required for the personal data they enter into FinApp.
CK Tech processes information submitted through FinApp primarily for providing, maintaining, securing, supporting, and improving the FinApp service and as otherwise permitted or required by applicable law and contractual arrangements.
Depending on the features used by a FinApp customer, the platform may process the following categories of personal data:
FinApp currently does not directly integrate with an external KYC verification provider. CK Tech may introduce KYC integrations in the future, subject to appropriate technical, contractual, legal, and privacy review.
Depending on the functionality used by the FinApp customer, information may include:
FinApp does not intentionally store complete card, UPI, or other payment-instrument credentials when payments are processed through supported payment providers.
FinApp may store transaction identifiers, payment references, payment status, and other information necessary to reconcile and manage transactions.
FinApp may allow its business customers to upload and store documents or attachments relating to customers, loans, pledges, KYC, or other business records.
The type and content of such documents depend on how each FinApp customer uses the platform.
Personal data may be processed through FinApp for purposes including:
FinApp may allow its customers to enter Aadhaar numbers and other identity information into the platform as part of their business processes.
FinApp currently does not directly perform Aadhaar authentication or integrate with an external KYC verification provider.
Where a FinApp customer chooses to collect Aadhaar or other KYC information from its customers, the FinApp customer is responsible for ensuring that such collection, use, storage, and disclosure is carried out in accordance with applicable law and the requirements applicable to its business.
CK Tech may introduce third-party KYC services in the future. Any such integration will be subject to appropriate technical, contractual, security, and privacy review before being made available for use.
FinApp may use third-party communication service providers to send authorised communications on behalf of FinApp customers.
Current communication services include:
Depending on the communication, information such as the recipient's mobile number, email address, message content, customer reference, transaction reference, or notification token may be processed by the relevant communication provider.
FinApp may integrate with supported payment service providers to enable payment-related functionality.
Current payment integrations include:
FinApp is designed not to store complete card, UPI, or other payment-instrument credentials.
FinApp may store transaction identifiers, payment references, payment status, amounts, dates, and other information required for reconciliation and transaction management.
Payment processing may be subject to the respective privacy policies and terms of the relevant payment service provider.
The FinApp mobile application may process information required to provide its application functionality.
The current FinApp mobile application does not intentionally collect:
The application may use a push notification token to deliver application notifications through Firebase Cloud Messaging.
FinApp is hosted using Amazon Web Services (AWS) infrastructure.
Current FinApp infrastructure is hosted in the AWS Mumbai region (ap-south-1).
FinApp uses cloud infrastructure and MySQL database technology to store and process application data.
CK Tech maintains backup and recovery mechanisms for FinApp infrastructure and database environments.
Backup and recovery procedures are intended to support service continuity, data recovery, and restoration in the event of system failure, accidental data loss, or other operational incidents.
Access to production infrastructure, databases, and backups is restricted to authorised personnel based on operational requirements.
Backup retention periods may vary depending on the applicable infrastructure configuration, operational requirements, security considerations, and applicable legal or contractual requirements.
Authorised CK Tech personnel may access FinApp customer or application data when reasonably necessary for:
Administrative access is restricted to authorised personnel and should be used only for legitimate business or technical purposes.
FinApp relies on selected third-party technology and service providers to operate certain features.
Current categories and providers include:
These providers may process personal data only to the extent necessary for the services they provide to FinApp and its customers, subject to their applicable terms and contractual arrangements.
CK Tech is evaluating the use of AI-powered OCR technology to assist with document and data extraction within FinApp.
The planned OCR functionality may use third-party AI services, including Google Gemini or related Google AI services.
Such functionality is not currently represented as an active FinApp data-processing service under this notice.
Before introducing such functionality, CK Tech intends to assess the applicable privacy, security, contractual, data-processing, retention, and access requirements and update the relevant privacy information where necessary.
FinApp customers will be informed of material changes to processing where required by applicable law.
CK Tech uses reasonable technical and organisational measures designed to protect FinApp data against unauthorised access, alteration, disclosure, loss, misuse, or destruction.
Depending on the environment and service, these measures may include:
No electronic storage or transmission system can be guaranteed to be completely secure. CK Tech nevertheless takes reasonable measures appropriate to the nature of the data and the FinApp services.
FinApp data retention periods may depend on the nature of the information, the requirements of the FinApp customer, contractual requirements, applicable legal or regulatory obligations, and legitimate business or security requirements.
CK Tech is currently formalising a standard data-retention and deletion process for FinApp customer environments.
When data is no longer required and there is no legal, contractual, security, or other applicable reason to retain it, CK Tech may delete, anonymise, or otherwise dispose of the relevant data in accordance with applicable requirements and the applicable customer agreement.
FinApp customers are responsible for:
Individuals who believe that their personal data has been processed through FinApp may contact CK Tech using the details below.
Where the relevant processing is carried out by a FinApp customer for its own business purposes, CK Tech may refer the request to the relevant FinApp customer where that customer is responsible for the relevant processing activity.
CK Tech will cooperate with its FinApp customers as reasonably required for handling applicable privacy requests relating to personal data processed through the platform.
Where processing is based on consent, the relevant FinApp customer should provide an appropriate mechanism for the individual to withdraw consent.
CK Tech may assist the FinApp customer with technically supported requests relating to data processing within the FinApp platform.
Withdrawal of consent does not affect processing that was lawfully carried out before withdrawal and does not require deletion where retention is required or permitted by applicable law.
CK Tech maintains processes for identifying, assessing, containing, investigating, and responding to security incidents affecting FinApp systems.
Where a personal-data breach or security incident occurs, CK Tech will take appropriate measures based on the nature and impact of the incident and applicable legal, regulatory, and contractual requirements.
Where notification to a FinApp customer, affected individual, or relevant authority is required, CK Tech will follow the applicable notification and incident-response requirements.
CK Tech may update this Privacy Notice when there are changes to FinApp functionality, third-party service providers, processing activities, security practices, or applicable legal requirements.
Material changes will be communicated through appropriate channels where required by applicable law or contractual arrangements.
Organisation: CK Tech Solutions
Proprietor: CHEMPUKUTTI E (Sole Proprietor)
Privacy / Grievance Contact: CHEMPUKUTTI E
Email: privacy@cktechindia.com
General Email: contact@cktechindia.com
Business Contact: 9489856907
Address: 46, 1st Street, Block AD, Anna Nagar, Chennai, Tamil Nadu, India
Working Hours: Monday - Friday, 9:00 AM - 6:00 PM IST
This Privacy Notice is governed by the applicable laws of India.
Any dispute relating to this Privacy Notice shall be subject to the jurisdiction of the competent courts having jurisdiction over CK Tech Solutions, subject to applicable law.
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