Privacy Policy

1. Information We Collect

Personal Identification

• Full name, date of birth, gender
• PAN Card, Aadhaar number (for KYC)
• Address proof and identity documents

Financial Information

• Bank account details for loan disbursement and EMI collection
• Income documents, salary slips, ITR
• Credit history (with your consent)

Technical Information

• IP address, browser type, device information
• Login timestamps and session data
• Payment transaction data via Cashfree Payments

2. How We Use Your Information

• To process and evaluate loan applications
• To disburse approved loan amounts to your registered bank account
• To collect EMI repayments via e-Mandate / NACH / UPI AutoPay
• To send repayment reminders, statements, and account notifications
• To comply with RBI guidelines, Gujarat Money Lenders Act, and applicable law
• To prevent fraud and ensure platform security

3. Data Sharing

We do not sell or rent your personal data. We may share data only with:

• Cashfree Payments — for payment processing and payout disbursement
• Credit bureaus — for CIBIL/credit checks (with consent)
• Regulatory authorities — as required by law
• Auditors / legal advisors — under strict confidentiality

4. Data Security

We implement industry-standard security measures including SSL/TLS encryption, access controls, and secure storage. Payment transactions are processed via Cashfree Payments (PCI DSS Level 1 certified).

5. Data Retention

We retain your data for the duration of your loan account plus 7 years, as required by financial regulations and the Gujarat Money Lenders Act.

6. Your Rights

• Right to access your personal data
• Right to correct inaccurate information
• Right to withdraw consent (where applicable)
• Right to raise grievances with our support team

7. Contact

For privacy-related queries: vijayfinance@vaniapp.in