Please note: NIVO (nivo.co.in) is a social media & content-sharing app for creating posts, stories and messaging. We are not a bank, NBFC, loan provider or credit company, and we have no connection to "Nivo Credit" or any similar-sounding lending service. If you are looking for a loan app's customer care, please search directly on that company's official app or website — do not share your bank details, OTP or personal financial information here.