Privacy Policy

1. Introduction

Vibhuti Finserv ("Company", "we", "us", or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy describes how we collect, use, and share information about you when you use our website and services.

2. Information We Collect

We may collect the following categories of personal information:

• Identity information: name, date of birth, PAN, Aadhaar number
• Contact information: email address, phone number, postal address
• Financial information: bank statements, income tax returns, GST returns, credit reports
• Business information: business registration documents, turnover details
• Usage information: pages visited, time spent on site, device and browser data

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application
• Verify your identity and conduct credit checks
• Communicate with you about your application status
• Share your information with partner lenders and financial institutions for loan processing
• Comply with applicable laws and regulations (RBI, SEBI, FEMA, etc.)
• Improve our website and services
• Send you relevant loan product updates (with your consent)

4. Information Sharing

We may share your information with:

• Partner Lenders and NBFCs: To process your loan application and disburse the loan
• Credit Bureaus: To check and report your credit history (CIBIL, Experian, CRIF, Equifax)
• CGTMSE / SIDBI: For guarantee coverage under applicable government schemes
• Regulatory Authorities: As required by law or court order
• Service Providers: Technology partners who assist in our operations, bound by confidentiality agreements

We do NOT sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. All data is encrypted during transmission using SSL/TLS. However, no method of internet transmission is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Loan application data is typically retained for a minimum of 7 years as per RBI guidelines.

7. Your Rights

Subject to applicable law, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Withdraw consent for marketing communications
• Request deletion of information not required for legal or regulatory compliance

To exercise these rights, please contact us at privacy@vibhutifinserv.com.

8. Cookies

Our website uses cookies to enhance your browsing experience, analyze site traffic, and personalize content. You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain parts of our website.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions or concerns about this Privacy Policy, please contact our Data Protection Officer at: