Shihori Nagarik Sahakari Bank ltd., Shihori ("we", "us") provides education loan services through the ScholarCred website and mobile app. We value your privacy. This policy explains how we handle your personal information.
1. Information we collect
To process a loan application we may collect your name, contact details, identity and address proof, academic and admission records, co-applicant details, and financial information such as income proof and bank statements.
When you use the app, we may also collect device information, logs and necessary usage data to keep the service secure and to improve it.
2. How we use your information
We use your information only to verify identity, assess and sanction loans, execute and manage loan agreements, communicate with you for customer service, manage risk, and meet our legal and regulatory obligations.
3. Sharing of information
We do not sell or rent your personal information. We may share it only with your consent, with credit bureaus, verification or service providers needed to complete your application, or with regulators and courts when required by law.
4. Security and retention
We use reasonable technical and organisational measures to protect your information against unauthorised access, disclosure or alteration. We retain information only as long as needed for the purposes above and as required by law.
5. Your rights
You may request access to or correction of your personal information, or raise questions and complaints about how it is handled. To do so, please contact us using the details below.
6. Contact us
Email: business@shnagriksaha.com
Address: Near Bus Station,Shihori,Tal:Kankroj Dist: Banaskantha 385550