Privacy Policy

This Privacy Policy applies to individuals who:

• visit or use the Company's website;
• enquire about or apply for products or services offered by the Company;
• provide information to the Company through online or offline channels; or
• otherwise interact with the Company in connection with its products and services.

By using the Company's website or providing personal information to the Company, you acknowledge that you have read and understood this Privacy Policy.

Depending on the nature of your interaction with us, Rajhans Vinimay may collect information such as:

a. Personal Information

• Name;
• Date of birth;
• Gender, where required;
• Residential or correspondence address;
• Mobile number;
• Email address;
• Identification and KYC information; and
• Other information required for providing our products and services.

b. Financial and Credit Information

Where relevant to the services requested, we may collect information relating to:

• Employment or income details;
• Bank account details;
• Financial information;
• Credit history and credit-related information;
• Existing loan or repayment information; and
• Other information required for assessment and processing of financial services.

c. Technical Information

When you use our website or digital services, certain technical information may be collected, such as:

• IP address;
• Browser type;
• Device information;
• Operating system;
• Website usage information; and
• Information relating to access, navigation and interaction with our website.

We may collect information directly from you when you:

• visit or use our website;
• submit an enquiry or application;
• provide information through forms or other communication channels;
• communicate with our representatives;
• enter into an agreement with us; or
• otherwise interact with us.

Where permitted by applicable law, we may also obtain relevant information from authorised third parties or publicly available sources for legitimate business, verification, compliance or regulatory purposes.

Rajhans Vinimay may use personal information for purposes including:

• processing and assessing applications;
• providing and administering products and services;
• verifying identity and information provided by customers;
• carrying out KYC and other required verification processes;
• assessing creditworthiness and eligibility, where applicable;
• processing transactions and repayments;
• communicating with customers regarding applications, accounts, repayments, services and other relevant matters;
• providing customer support;
• preventing and detecting fraud, misuse and other unlawful activities;
• complying with legal, regulatory and contractual obligations;
• maintaining records and internal processes;
• improving our products, services and website; and
• protecting the rights, property and security of the Company, its customers and other stakeholders.

Rajhans Vinimay may share personal information where reasonably necessary for providing its products and services or fulfilling its legal and regulatory obligations.

Information may be shared with:

• service providers and vendors engaged by the Company;
• technology and infrastructure service providers;
• payment and transaction service providers, where applicable;
• credit information companies and verification agencies, where applicable;
• professional advisers and consultants;
• government, regulatory or law-enforcement authorities where required or permitted by law; and
• other persons or entities where disclosure is required for legitimate business purposes or with the individual's consent, as applicable.

Rajhans Vinimay will seek to ensure that information shared with third parties is handled appropriately and in accordance with applicable requirements.

Rajhans Vinimay takes reasonable measures to protect personal information against unauthorised access, alteration, disclosure, misuse or destruction.

The Company may use appropriate administrative, technical and organisational safeguards depending on the nature of the information and the manner in which it is processed.

However, no method of transmission or electronic storage can be guaranteed to be completely secure.

Rajhans Vinimay may retain personal information for as long as necessary to:

• provide the requested products or services;
• fulfil contractual and business requirements;
• comply with applicable legal and regulatory requirements;
• resolve disputes and enforce agreements; or
• protect the Company's legitimate interests.

When personal information is no longer required to be retained, it may be deleted, destroyed or anonymised in accordance with applicable requirements and the Company's internal practices.

The Company's website may use cookies or similar technologies to improve website functionality, understand website usage and enhance the user experience.

Users may be able to manage or disable cookies through their browser settings. Disabling certain cookies may affect the functionality of some portions of the website.

Users are responsible for ensuring that the information provided to Rajhans Vinimay is accurate, complete and up to date.

Users should also take reasonable steps to protect the confidentiality of their account credentials, passwords, OTPs and other security information, where applicable.

Users should immediately notify the Company if they become aware of any unauthorised access or suspected misuse of their account or information.

The Company's website may contain links to third-party websites or services.

Rajhans Vinimay is not responsible for the privacy practices, content or security of third-party websites. Users are advised to review the privacy policies of such third parties before providing them with personal information.

Subject to applicable law, individuals may have rights in relation to their personal information, including rights concerning access, correction, withdrawal of consent and deletion of personal information.

Such rights may be subject to applicable legal, regulatory, contractual and operational requirements.

Where processing of personal information is based on consent, consent may be withdrawn in accordance with applicable law. Withdrawal of consent may affect the Company's ability to provide certain products or services where such information is necessary for providing them or for complying with legal or regulatory requirements.

The Company's products and services are not intended for individuals who are not legally eligible to enter into applicable financial or contractual arrangements.

Rajhans Vinimay does not knowingly seek to collect personal information from children except where permitted or required by applicable law.

Rajhans Vinimay may modify or update this Privacy Policy from time to time to reflect changes in its products, services, processes, applicable laws or regulatory requirements.

Any updated version of this Privacy Policy will be made available through appropriate channels.

This Privacy Policy shall be governed by and interpreted in accordance with the laws of India.

For questions, concerns or complaints relating to this Privacy Policy or the handling of personal information, individuals may contact Rajhans Vinimay through the Company's customer support or grievance redressal channels.

Rajhans Vinimay Private Limited reserves the right to update this Privacy Policy from time to time in accordance with applicable law and regulatory requirements.