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Privacy Policy

This privacy policy discloses the privacy practices for the Udhaar website ( and its Udhaar Mobile App. This privacy policy applies solely to information collected/shared by this website/application.

All information volunteered to Udhaar through this website/application (such as recorded credit/payment, outstanding dues/balances) will be held in the strictest confidence, and will not be shared, distributed, or sold commercially.

Udhaar Mobile App automatically collects aggregate information on what pages users access or visit and the addresses and types of systems used to access the application. The information collected is used to upgrade application content and experience.

From time to time, we may use user information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at any time, policy changes will be posted on this site.

Our application contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our application and to read the privacy statements of any other site/application that collects personally identifiable information.

Unless you ask to opt-out, we may contact you via email in the future to share updates, new services, or changes to this privacy policy. If you do not want to receive emails from us in the future, please let us know by sending an email to

Information Collection and Use

For a better experience, while using our service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.

The application does use third-party services that may collect information used to identify you.
Link to the privacy policy of third-party service providers used by the app

  • Google Play Services

What is “Personal Information” as used in this Privacy Policy?

“Personal information” means information that identifies you or could be used to identify you and which is submitted to and/or collected by Udhaar. Examples of personal information include your name, your postal address, your email address, your CNIC, your picture, your telephone number, and images of receipts or transactions that you upload.

Does Udhaar collect Log Data?

We want to inform you that whenever you use our application, in case of an error in the app we collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device’s Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our service, the time and date of your use of the service, and other statistics.

Cookies Policy

Cookies are files with a small amount of data that are commonly used as an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your device’s internal memory.

This application does not use these “cookies” explicitly. However, the app may use third-party code and libraries that use “cookies” to collect information and to improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this application.

Does Udhaar has any third-party Service Providers

We may employ third-party companies and individuals due to the following reasons:

  • To facilitate our service offerings across recharge, vouchers, payments, lending, eCommerce, etc;/li>
  • To provide the service on our behalf;
  • To perform Service-related services; or
  • To assist us in analyzing how our service is used.

Does Udhaar Mobile App share Personal Information with third parties?

Except as otherwise stated in this section, Udhaar will not transfer your personal information to third parties unless you have been provided with an opportunity to opt into this disclosure. Udhaar may disclose your personal information without your opt-in to third-party service providers which assist us with our business activities. It is Udhaar’s practice to require such third-party service providers to keep your personal information confidential and to use your personal information only to perform functions for Udhaar and in accordance with Udhaar’s instructions. Udhaar further reserves the right to disclose your personal information to respond to authorized information requests from government authorities or when otherwise required by law. In the event Udhaar sells one of its product lines or divisions, it will only transfer your personal information to the buyer subject to your consent where required by applicable law so that the buyer can continue to provide you with information and services.

How does Udhaar secure personal information?

It is Udhaar’s practice to secure each Udhaar tool that collects personal information; however, the confidentiality of personal information transmitted over the Internet cannot be guaranteed. We urge you to exercise caution when transmitting personal information over the Internet. Udhaar cannot guarantee that unauthorized third parties will not gain access to your personal information; therefore, when submitting personal information to Udhaar mobile app, you must weigh both the benefits and the risks. In addition, the Udhaar app covered by this Privacy Policy will display a warning whenever you link to a website that is not controlled by Udhaar; you should check the privacy policies of such third-party websites before submitting personal information.

Does Udhaar Mobile App contain links to other sites?

The Udhaar app may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

How does Udhaar protect the privacy of children?

This application does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do the necessary actions.

How can you know whether Udhaar has updated this Privacy Policy?

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.