Privacy Policy

1. Information We Collect

We collect the following types of personal information:

• Identity Information: Full name, PAN number, Aadhaar number (masked), date of birth.
• Contact Information: Mobile number, WhatsApp number, email address, residential address.
• Financial Information: Monthly income or business turnover, loan amount required, employment type, existing loan details.
• Credit Information: CIBIL score range (self-reported); no hard enquiry is made at the initial stage.
• Document Copies: Bank statements, ITR, salary slips, property documents — only when required to submit a formal loan application to a lender.
• Technical Data: IP address, browser type, pages visited, time spent on site — collected via cookies and analytics tools.

2. How We Use Your Information

Your information is used for the following purposes:

• To assess your loan eligibility and match you with suitable lender products.
• To submit your loan application to partner banks and NBFCs on your behalf, with your explicit consent.
• To communicate with you via phone, SMS, email, or WhatsApp regarding your application status and offers.
• To fulfil our obligations under applicable RBI guidelines and DSA agreements with partner lenders.
• To improve our website, services, and user experience using aggregated, anonymised analytics data.
• To send you relevant financial information, loan offers, or updates — you may opt out at any time.

3. Sharing Your Information

We do not sell your personal data. We may share your information with:

• Partner Lenders: Banks and NBFCs in our network — only when you have consented to a formal loan application submission.
• Credit Bureaus: For formal credit checks, only after your explicit consent and before a lender submission.
• Service Providers: Technology vendors, CRM tools, and communication platforms that support our operations, bound by confidentiality agreements.
• Regulatory Authorities: If required by law, court order, or regulatory mandate.

4. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable laws. If your loan application is not processed, we delete personally identifiable information within 90 days unless retention is required by law. You may request deletion at any time by contacting us.

5. Data Security

We implement industry-standard security measures — including SSL encryption, access controls, and secure servers — to protect your personal information from unauthorised access, disclosure, alteration, or destruction. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data (subject to legal obligations).
• Withdraw consent for marketing communications at any time.
• Object to processing of your data for specific purposes.

To exercise any of these rights, contact us at vcconsultancy@gmail.com.

7. Cookies

Our website uses cookies to enhance your browsing experience and collect analytical data. Please refer to our Cookies Policy for full details on what cookies we use and how to manage them.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We recommend reviewing their privacy policies before providing any personal information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page indicates when the policy was last revised. Continued use of our services after changes constitutes acceptance of the updated policy.

10. Contact Us

For any privacy-related queries or to exercise your rights, contact: