Privacy Policy
How Elite Finserv collects, uses and protects your data in Lokly.
Last updated: 30 September 2026
This policy follows the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000. It applies to the Lokly and Lokly Partner apps and this website.
1. What we collect
Customers
- Mobile number — to log you in with an OTP.
- Name, and optionally your village / town and district.
- Location — your GPS position or a place you pick on the map, to find partners near you, and the pickup, drop and delivery addresses of your bookings.
- Bookings — whom you booked, when, the fare, the status, and any rating and feedback.
- Parcel details — the receiver's name and mobile number, the sender's number if you give another sender, the parcel size and your notes, and the delivery partner's handover confirmation.
- Receipts and ratings — a receipt for every completed booking, which you can share as a picture, and your ratings and reviews of partners.
- Live location and tracking links — if you share a live link of your position, it shows your position until you stop or the time runs out. A tracking link of your booking shows only the partner's name and position, until the booking ends or 6 hours pass.
- Chat and calls — messages and photos in a booking's chat, and the start, end and length of in-app calls. Call audio is not recorded.
Partners
- Mobile number, name, and for each listing: the name customers see, category, vehicle number and model, whether it takes rides, parcels or both, rate list, area and working location. Your position is collected while you are online or on a booking and shown to the customer, and through a tracking link to people the customer chooses.
- KYC: photos of your Aadhaar front and back, a live photo, the last 4 digits of your Aadhaar and your consent time. We never store the full Aadhaar number as text.
- Wallet and withdrawals: every wallet entry, and the account holder name, bank account number and IFSC or UPI ID you give for withdrawals.
Payments
- For each payment: the amount, method type, Cashfree order number and status. Card, UPI and bank details you enter to pay go directly to Cashfree Payments — we never receive or store them.
Automatically
- Basic technical logs (time of request, errors) to run and secure the service. We use no advertising trackers and no third-party advertising cookies.
2. Why we use it
- To run Lokly: log you in, find nearby partners, connect you through in-app chat and calls, record bookings, and process payments and refunds.
- To verify partners (KYC), pay partners their earnings, and issue invoices.
- To keep Lokly safe: prevent fraud and misuse, handle complaints, and meet legal obligations.
We process your data with your consent, given when you sign up and use these features, and for other purposes the law allows. You can withdraw consent by deleting your account.
3. Who we share it with
- The partner you book sees your name, approximate distance, pickup / service location and the booking chat — not your mobile number. For a parcel, they also see the receiver's name and number.
- Anyone with a link you share (live location or booking tracking) sees what the link shows, until it ends.
- Customers see a partner's listing name, category, area, vehicle number, rating and rate list — not their mobile number.
- Cashfree Payments (our payment partner) receives the amount, order number, and your name and mobile number to process payments and refunds, and for partner withdrawals, the payee's name and bank account or UPI ID.
- Google Cloud and Firebase host our servers and database and send login OTPs; Google Maps provides maps and addresses.
- Authorities, when required by law.
We do not sell your personal data or share it for advertising.
4. Storage and security
Our database and files are stored in India (Google Cloud, Mumbai region). Data travels over encrypted HTTPS connections. KYC photos are kept in a private store accessible only to authorised Lokly staff for verification. If a data breach affects you, we will inform you and the Data Protection Board of India as the law requires.
5. How long we keep it
- Account and listings: until you or we delete the account.
- Bookings, parcel details, receipts, ratings, chat and call logs: as long as needed for disputes and legal compliance.
- KYC photos: while the partner account exists.
- Payment records and invoices: as long as tax and accounting laws require (normally 8 years).
- Technical logs: normally up to 30 days.
6. Your rights
You can ask for a summary of your personal data, correct or update it, erase it (see Delete your account), and nominate someone to act for you. You can complain to our Grievance Officer, and if not satisfied, to the Data Protection Board of India.
7. Children
Lokly is meant for adults. People under 18 should use it only with a parent or guardian.
8. Changes
We may update this policy. We will change the date above and, for important changes, tell you in the app.
9. Contact and Grievance Officer
We acknowledge requests within 24 hours and resolve them within 15 days.