RICHHA NIDHI LIMITED
A Trusted Mutual Benefit Company
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At Richha Nidhi Limited (CIN: U67100BR2019PLN043668), safeguarding the privacy and confidentiality of our members' data is our highest priority. This Privacy Policy outlines how we collect, use, protect, and process your personal and financial information when you use our portal, apply for membership, or avail our deposit and loan services. We strictly adhere to the guidelines set forth by the Information Technology Act, 2000 and the Ministry of Corporate Affairs (MCA).
To comply with mandatory KYC (Know Your Customer) and Anti-Money Laundering (AML) laws, we collect essential data when you become a member:
Your data is used strictly for official Nidhi banking operations and is never sold to third-party marketers. We use it to:
We implement bank-grade security measures to ensure your digital and physical records are safe from unauthorized access:
As a regulated Nidhi Company, we are bound by strict confidentiality laws. We do not sell, rent, or trade your personal information to external agencies for marketing purposes. However, we may share your information strictly under the following circumstances:
A. Regulatory Authorities: We may disclose KYC and transaction records to the Ministry of Corporate Affairs (MCA), Income Tax Department, Financial Intelligence Unit (FIU), or any authorized law enforcement agency if mandated by Indian Law.
B. Service Providers: We may share minimal necessary data with trusted third-party IT vendors (like our ERP and SMS gateway providers) who are legally bound by strict Non-Disclosure Agreements (NDAs) to facilitate our services.
Our online portal (www.richanidhi.in) uses standard cookies to enhance your browsing experience, remember your login sessions securely, and analyze web traffic. You can choose to disable cookies through your browser settings, though this may limit your ability to use certain secure features like NetBanking.
By registering as a member and using our services, you consent to the collection and use of your data as described in this policy. You have the right to request updates or corrections to your KYC and contact information at any time by visiting your home branch in Gopalganj, Bihar, and submitting a formal request.