Privacy Policy
Privacy Policy &
Data Protection
Vasundhara Agencies Pvt. Ltd. is committed to protecting your
privacy and ensuring the security of your personal information.
This Privacy Policy explains how we collect, use, store,
and safeguard your information.
1. Introduction
Vasundhara Agencies Pvt. Ltd. respects your privacy and values
the trust you place in us. This Privacy Policy describes our
practices regarding the collection, storage, use, disclosure,
and protection of personal information obtained through our
website and financial services.
By accessing our website or using our financial products,
you agree to the terms outlined in this Privacy Policy.
If you do not agree, please discontinue use of our services.
2. Scope of Privacy Policy
This Privacy Policy applies to all visitors, customers,
borrowers, guarantors, business partners, and users of our
website, online portals, mobile applications,
and customer support services.
This policy does not apply to third-party websites,
payment gateways, or external services linked from
our website. Users are encouraged to review the privacy
policies of those websites independently.
3. Information We Collect
We may collect personal information including your
name, address, mobile number, email address,
date of birth, PAN, Aadhaar, employment details,
income information, bank account details,
and loan-related information.
We may also collect technical information such as
browser type, IP address, device information,
cookies, website usage statistics, and session data
to improve our digital services.
4. Personal Information
Personal information collected from customers is used
solely for legitimate business purposes including
customer verification, loan processing,
customer support, regulatory compliance,
fraud prevention, and communication.
We collect only the information necessary to provide
our financial services and maintain appropriate
security measures to protect such information.
5. Financial Information
Financial information such as income details,
salary slips, bank statements,
transaction history, repayment records,
and credit information may be collected
to evaluate loan eligibility and
assess creditworthiness.
Such information is securely stored and accessed
only by authorized personnel for legitimate
business and regulatory purposes.
6. Know Your Customer (KYC)
As required by applicable regulations,
we collect and verify customer identity documents
including PAN Card, Aadhaar Card,
Passport, Driving Licence,
Voter ID, and other supporting documents.
KYC information is used solely for customer
verification, fraud prevention,
regulatory compliance,
anti-money laundering requirements,
and responsible lending practices.
7. Cookies & Tracking Technologies
Our website uses cookies, web beacons, pixels, and similar technologies
to improve website functionality, analyze visitor behavior, remember user
preferences, and enhance your browsing experience. Cookies help us
understand how visitors interact with our website.
Users may configure their browser settings to refuse cookies; however,
disabling cookies may affect certain website features and limit the
functionality of our online services.
8. How We Use Your Information
Information collected from customers is used for processing loan
applications, customer verification, credit assessment, KYC compliance,
loan servicing, repayment management, customer communication, fraud
prevention, legal compliance, and improving our financial products
and services.
We may also use customer information for internal analysis, service
enhancement, website improvements, customer satisfaction surveys,
and regulatory reporting where permitted by law.
9. Sharing of Information
We do not sell or rent your personal information to third parties.
Information may be shared only with authorized service providers,
business partners, regulatory authorities, credit bureaus,
payment service providers, collection agencies, auditors,
or government authorities where legally required.
All third parties receiving customer information are expected to
maintain confidentiality and implement appropriate security measures
consistent with applicable laws and contractual obligations.
10. Credit Bureau Verification
During the loan evaluation process, we may verify customer credit
history through authorized Credit Information Companies (CICs)
or credit bureaus to assess repayment capacity, financial behaviour,
and overall creditworthiness.
By submitting a loan application, customers authorize us to obtain,
review, and exchange credit information as permitted under applicable
laws and regulatory requirements.
11. Data Security
We implement appropriate administrative, technical, and physical
safeguards to protect customer information against unauthorized
access, disclosure, alteration, misuse, or destruction.
Although we strive to maintain the highest security standards,
no electronic transmission or storage system can be guaranteed
to be completely secure. Customers are encouraged to protect
their login credentials and personal information.
12. Data Retention
Personal information and financial records are retained only for
as long as necessary to fulfill business purposes, legal obligations,
regulatory requirements, dispute resolution, fraud prevention,
and audit requirements.
Once the applicable retention period expires, information is securely
deleted, anonymized, or destroyed in accordance with our internal
record retention policies and applicable laws.
13. Marketing Communications
With your consent or where permitted by applicable law, we may send
promotional messages, newsletters, product updates, special offers,
financial awareness content, and service-related communications through
email, SMS, phone calls, WhatsApp, or other digital communication channels.
You may choose to opt out of receiving promotional communications at
any time by using the unsubscribe option provided in our communications
or by contacting our customer support team. However, important service
and regulatory communications may still be sent where required.
14. Children's Privacy
Our website and financial services are intended only for individuals
who are legally eligible to enter into financial agreements.
We do not knowingly collect personal information from individuals
below the age permitted under applicable laws.
If we become aware that personal information has been collected from
a minor without appropriate legal authorization, such information will
be deleted promptly in accordance with applicable legal requirements.
15. Customer Rights
Customers may request access to their personal information, seek
correction of inaccurate information, update contact details,
withdraw consent where legally permissible, or request clarification
regarding the use of their personal information.
Certain requests may be subject to legal, contractual, regulatory,
operational, or security requirements. We will make reasonable efforts
to respond to such requests within applicable timelines.
16. Third-Party Websites
Our website may contain links to third-party websites,
payment gateways, government portals, partner websites,
or external service providers for customer convenience.
These websites operate independently and maintain their
own privacy policies.
We are not responsible for the privacy practices,
security standards, or content of third-party websites.
Users are encouraged to review their respective privacy
policies before sharing personal information.
17. Changes to this Privacy Policy
Vasundhara Agencies Pvt. Ltd. reserves the right to modify,
update, revise, or replace this Privacy Policy at any time
to reflect changes in applicable laws, regulatory requirements,
business practices, technology, or operational processes.
Updated versions of this Privacy Policy will be published on
our official website with the latest revision date. Continued
use of our services after such updates constitutes acceptance
of the revised Privacy Policy.
18. Governing Law
This Privacy Policy shall be governed by and interpreted in
accordance with the laws of India. Any disputes arising from
this Privacy Policy or the use of our website shall be subject
to the jurisdiction of the competent courts having authority
over such matters.
Nothing contained in this Privacy Policy shall limit any legal
rights or obligations available under applicable laws,
regulatory guidelines, or judicial directions issued from time
to time.
19. Contact Information
If you have any questions, concerns, requests, or complaints regarding
this Privacy Policy or the processing of your personal information,
you may contact our Customer Support or Compliance Department through
the contact details provided on our official website.
We are committed to responding to privacy-related queries promptly and
in accordance with applicable laws. We encourage customers to provide
complete details to help us investigate and resolve their concerns
efficiently.
20. Consent & Acceptance
By accessing our website, submitting an application, registering an
account, or using any of our financial products or services, you
acknowledge that you have read, understood, and accepted this Privacy
Policy and consent to the collection, processing, storage, and use of
your personal information as described herein.
Where consent is required under applicable laws, you may withdraw your
consent by contacting us. Withdrawal of consent may affect our ability
to provide certain services or process your requests.
21. Data Protection Officer
The Company may designate a Data Protection Officer or Compliance
Officer responsible for overseeing privacy matters, regulatory
compliance, customer requests, and implementation of appropriate
information security measures.
Customers may contact the designated officer for clarification regarding
privacy practices, correction requests, complaints, or data-related
concerns using the official communication channels published by the
Company.
22. Limitation of Liability
While we implement reasonable administrative, technical, and physical
safeguards to protect customer information, no electronic storage
system, communication network, or internet transmission can be
guaranteed to be completely secure.
The Company shall not be liable for losses arising from events beyond
its reasonable control, including cyber attacks, system failures,
internet interruptions, force majeure events, or unauthorized access
caused by customer negligence.
23. Policy Review & Updates
This Privacy Policy is reviewed periodically to ensure continued
compliance with applicable laws, industry standards, regulatory
requirements, technological developments, and changes in our business
operations.
Updated versions of the Privacy Policy will become effective from the
date of publication on our official website. Customers are encouraged
to review this page periodically to remain informed of any updates.
24. Final Declaration
Vasundhara Agencies Pvt. Ltd. remains committed to maintaining the
confidentiality, integrity, and security of customer information.
Protecting customer privacy is a fundamental part of our business
philosophy and responsible lending practices.
We continuously improve our privacy controls, strengthen our security
framework, and adopt industry best practices to ensure that customer
information is handled responsibly, ethically, and in accordance with
applicable laws and regulatory guidelines.