Effective Date: 20 March 2025
App Name: Naiki Online
Developer: Naiki Online (Registered Business in Pakistan)
Naiki Online is a platform designed to support individuals by offering financial assistance for business purposes through a transparent, ethical process. This Privacy Policy explains how we collect, use, and protect your personal information when you use our app and services.
1. Information We Collect
We collect the following information when you register and participate:
- Full Name
- CNIC / National ID
- Contact Information (Phone & Email)
- Payment Details (e.g., Reference Numbers)
- Device and usage data (for security and app improvement)
This information is used solely for verification, eligibility processing, and communication.
2. How We Use Your Information
We use your data to:
- Verify user identity
- Review eligibility for business support consideration
- Maintain secure records of participation
- Contact users for updates, support, or confirmations
- Fulfill any legal obligations required by Pakistani authorities
3. Financial Processing
Users voluntarily submit a non-refundable Rs. 500 processing fee through our business account at UBL Bank (Account Title: Naiki Online).
No in-app purchases or digital payments are processed inside the app. We do not collect or store credit/debit card information.
4. Selection Process & Transparency
Each month, Naiki Online conducts a business support selection process where eligible users may be chosen for financial assistance.
This process is automated, supervised, and fully transparent, with all steps conducted in line with ethical and legal standards.
The assistance provided is not a loan, involves no interest, and is intended solely for genuine business upliftment.
5. Age Restrictions
6. Data Storage & Security
User information is securely stored using Google Firebase/Firestore, a globally recognized platform for secure data storage. We implement encryption, authentication, and access controls to protect your data from unauthorized access.
Your personal data is never sold or shared with third parties, except as required by law.
7. Data Retention & Deletion
We retain your information only as long as needed for processing and legal compliance. You may request access to, update, or deletion of your data by contacting us at the email address below.
8. Your Rights
You have the right to:
- Request access to your personal data
- Update or correct any inaccurate details
- Request deletion of your account and associated data
- Contact us for any concerns related to privacy
Email: info@naikionline.com
9. Policy Updates
We may update this Privacy Policy from time to time. Any changes will be reflected on our official website and within the app. Continued use of the app means you accept any updated terms.