What they may do · DPDP §6(4)
What Navi (Navi Limited, formerly Navi Technologies Limited) does with your data
Navi collects your installed-app list, financial SMS, location and call-log data, shares it with named third parties including OpenAI, and says it may keep processing your data after you withdraw consent if you used a Partner service.
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Shares your data with partners
Passed to group companies, advertisers or analytics firms you never chose.
What this costs you. Your number and habits travel to companies you have never heard of and never agreed to. This is the step where the spam calls start.
Show me where they say that
Navi (Navi Limited, formerly Navi Technologies Limited)’s own policy says “We work with third party service providers to execute various functionalities of the App and we may share your information with such service providers to help us provide the App.”
Our summary recipients are enumerated in the policy's own tables and include Open AI, L.L.C., Digitap.AI Enterprise Solutions and Cookiejar Technologies; data is also shared with Navi's Partners and affiliates, with other UPI participants named as Juspay, Axis Bank, Yes Bank and the National Payments Corporation of India, with law enforcement on request, and databases may be disclosed in a restructuring, merger or sale of assets.
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Builds an advertising profile of you
They watch what you view, tap and buy, and use it to decide which ads you see.
What this costs you. Your attention gets priced. What you hesitate over becomes a bid — and a profile built to predict you is a profile built to persuade you.
Show me where they say that
Navi (Navi Limited, formerly Navi Technologies Limited)’s own policy says “We may use the data we collect to market the App and the Services, and, or products or services offered by third parties.”
Our summary collected data is used to market Navi's own services and third parties' products; the device data Navi collects expressly includes advertising identifiers listed for the 'Enabling Marketing and Outreach' purpose, and third-party service providers are engaged for 'Analyzing customer behaviour, conducting research into customer behaviour ... and to automate our marketing and outreach efforts.'
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Follows you onto other websites and apps
Their tracking carries on after you leave, through pixels and SDKs embedded elsewhere.
What this costs you. You get recognised on sites that have nothing to do with them. Closing the app does not close the file.
Show me where they say that
Navi (Navi Limited, formerly Navi Technologies Limited)’s own policy says “We collect the data about your installed applications, including the applications that you have installed on and from the date you create your Navi Account.”
Our summary Navi builds an inventory of the other apps on your device from account creation onward, its usage data includes 'names of relevant third-party sites or services used', and the app carries a registered third-party SDK that 'collects data on our behalf'.
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Keeps your records long-term
Held on after you stop using the service.
What this costs you. Years after you delete the app, the record is still sitting there — and every year it sits there is another year it can leak.
Show me where they say that
Navi (Navi Limited, formerly Navi Technologies Limited)’s own policy says “However, if you have availed any Services from the Partners, we shall have the right to continue processing your information.”
Our summary withdrawing consent does not stop processing where you have taken a Partner's service — Navi reserves the right to carry on processing in that case, which places that data outside the user's control.
What the policy does not mention
These are uses Navi (Navi Limited, formerly Navi Technologies Limited)’s policy is silent on. Silence is not a promise — it means the document does not say, and we do not infer either way.
- Processes your face or other biometrics
- Trains AI models on your content
Navi is one app. How many are on your phone?
Most people carry twenty to forty. Add yours and see the total in one screen — how many share your data, profile you for ads, or follow you across the web. Then take it back from all of them at once.
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Questions
What does Navi (Navi Limited, formerly Navi Technologies Limited) do with my personal data?
According to Navi (Navi Limited, formerly Navi Technologies Limited)'s own privacy policy, read on 2026-08-14, it discloses 4 of the six uses we track: shares your data with partners, builds an advertising profile of you, follows you onto other websites and apps, keeps your records long-term.
Can I withdraw my consent from Navi (Navi Limited, formerly Navi Technologies Limited)?
Section 6(4) of India's Digital Personal Data Protection Act 2023 gives you the right to withdraw consent for processing you agreed to. The Act's substantive provisions commence in stages up to May 2027, so a request made now asks for voluntary compliance and puts the date on record. Processing a company carries out under a legal obligation — such as KYC records the RBI requires — cannot be withdrawn.
Does Navi (Navi Limited, formerly Navi Technologies Limited) track me for advertising?
Yes — Navi (Navi Limited, formerly Navi Technologies Limited)'s published policy discloses this. The exact sentence it is based on is quoted on this page, with the date we read it and a link to the source.
Every use above is one Navi (Navi Limited, formerly Navi Technologies Limited) declared in its own published privacy policy, which we
read on 2026-08-14. Quotes are verbatim; the summary beside each one is ours
and is labelled as ours. Nothing here is inferred.
Saaph.in is a DPDP consent and request management platform operated by Ronin Works
Private Limited. It is a communication facilitator, not your legal or authorised
representative. The DPDP Act 2023 commences in stages up to May 2027, so a request
made today asks for voluntary compliance and records the date you asked.
Our privacy policy