This Privacy Policy sets forth the practices of Vanshika Enterprises (“we,” “our,” or “us”) regarding the collection, use, processing, and protection of personal information belonging to individuals who have applied for personal loans and may be contacted by us for follow-up or service-related purposes.
1. Collection of Personal Information
In the course of our operations, we may collect and process the following categories of personal data, either directly from the applicant or via our authorized partner platforms:
- Full name
- Contact number(s)
- Email address
- Loan application data (including amount, type, and status)
- Communication records (calls, SMS, WhatsApp, emails)
- IP address and device identifiers, where applicable
2. Purpose of Processing
The personal data collected is used solely for the following lawful purposes:
- To verify and validate the loan application details submitted
- To provide status updates, clarifications, or required documentation requests
- To suggest alternate loan options, better offers, or EMI consolidation opportunities
- To respond to queries or concerns raised by the applicant
- To fulfill any legal, regulatory, or contractual obligations associated with the loan application
3. Consent and Lawful Basis
By submitting an application or inquiry on our website, affiliate portals, or partner platforms, you expressly consent to be contacted by Vanshika Enterprises and its representatives through phone calls, SMS, WhatsApp, and/or email for the aforementioned purposes.
You may revoke your consent at any time by contacting us or replying with “STOP” to any communication, in accordance with applicable laws.
4. Data Retention and Disclosure
We retain personal data only for as long as is necessary to fulfill the purpose of its collection or to comply with applicable legal or regulatory requirements.
We do not sell, rent, or trade your personal information. Data may be shared only with authorized financial institutions, banks, or NBFC partners in connection with your loan application and strictly on a need-to-know basis.
5. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, misuse, or alteration. Access to data is restricted to authorized personnel only.
6. Your Rights
Subject to applicable data protection laws, you have the right to:
- Request access to or correction of your personal data
- Withdraw consent to processing or communication
- Request deletion of your data from our systems, where permitted by law
7. Contact Information
For any requests, concerns, or complaints regarding this Privacy Policy or the handling of your data, you may contact:
Vanshika Enterprises
This Privacy Policy is effective as of 1 jan 2025 and may be updated from time to time to reflect changes in legal or operational requirements. Continued interaction with us shall constitute acceptance of the revised terms.
