Privacy Policy

1. Introduction

VittPravah ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard personal information obtained through our loan eligibility engine and platform, in compliance with the laws of the Republic of India.

2. Information We Collect

We collect information that you voluntarily provide when using our services, including but not limited to:

• Identity Data: Full name, date of birth, and identification numbers.
• Contact Data: Email address, phone number, and business address.
• Financial Data: Monthly income, current EMIs, CIBIL scores, and employment history.
• Technical Data: IP address, browser type, and session information.

3. Purpose of Data Processing

Your data is processed based on your explicit consent for the following purposes:

• To perform loan eligibility analysis across various partner banks.
• To categorize employers into banking-risk segments (Cat A, B, etc.).
• To provide AI-driven insights regarding financial health.
• To comply with statutory and regulatory requirements under Indian law.

4. Data Sharing and Disclosure

We do not sell your personal data. We may share data with partner banks, financial institutions, or DSAs only after obtaining your specific consent for a loan application or eligibility check. We may also disclose information to law enforcement agencies if required by the Information Technology Act, 2000.

5. Data Security

We implement robust security measures, including AES-256 encryption and secure session management, to protect your data from unauthorized access, alteration, or destruction. However, no method of transmission over the internet is 100% secure.

6. Your Rights

Under the Digital Personal Data Protection (DPDP) Act, 2023, you have the right to:

• Access information about the personal data processed.
• Correction and erasure of personal data.
• Grievance redressal.
• Withdraw consent at any time.