PRIVACY POLICY

V-KREDIT

Operated by THANAVIRUTHI FOUNDATION

1. Introduction

THANAVIRUTHI FOUNDATION ("Foundation", "We", "Us", or "Our") operates the V-KREDIT mobile application ("App") to provide financial services, including loans, chits, and other financial products where legally permitted.

We respect your privacy and are committed to protecting your personal data in accordance with the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000, and other applicable laws of India.

By using the V-KREDIT App, you agree to this Privacy Policy.

2. Information We Collect

We may collect the following information:

Personal Information

1. Full Name
2. Father's/Spouse's Name
3. Date of Birth
4. Gender
5. Mobile Number
6. Email Address
7. Residential Address
8. Occupation

Identity Verification (KYC)

1. PAN Card
2. Aadhaar (where legally permitted)
3. Voter ID
4. Driving Licence
5. Passport
6. Selfie Photograph

Financial Information

1. Bank Account Number
2. IFSC Code
3. UPI ID
4. Loan Amount
5. EMI Details
6. Repayment History

Device Information

1. Device Model
2. Android Version
3. App Version
4. Device Identifier
5. IP Address
6. Network Information
7. Crash Logs

Location Information

We may collect location information only with your permission for identity verification, fraud prevention, and service delivery.

3. Permissions Used

The App may request access to:

1. Camera (KYC verification)
2. Storage or Photos (document upload)
3. Notifications (EMI reminders and alerts)
4. Location (only with permission)

We do not access permissions that are unnecessary for providing our services.

4. Purpose of Collection

We use your information to:

1. Verify identity
2. Process loan and financial service applications
3. Complete KYC
4. Prevent fraud
5. Assess eligibility
6. Disburse loans
7. Collect repayments
8. Provide customer support
9. Send service notifications
10. Improve our services
11. Comply with legal and regulatory obligations

5. Sharing of Information

We may share your information only when necessary with:

1. Banks and financial institutions
2. Payment gateway providers
3. KYC verification agencies
4. Credit bureaus (where applicable)
5. Collection partners
6. Cloud hosting providers
7. Technology service providers
8. Government authorities when legally required
9. Auditors and legal advisors

We do not sell your personal information.

6. Data Security

We protect your information using appropriate technical and organizational measures, including:

1. Secure servers
2. Encryption where appropriate
3. Restricted access
4. Authentication controls
5. Security monitoring
6. Regular system updates

7. Data Retention

We retain your information only for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Data is securely deleted or anonymized when no longer required.

8. Your Rights

Subject to applicable law, you may:

1. Request access to your personal data
2. Request correction of inaccurate information
3. Request deletion where legally permitted
4. Withdraw consent where applicable
5. Contact us regarding your personal data
6. Submit a grievance regarding data processing

9. Children's Privacy

The V-KREDIT App is intended only for individuals who are 18 years of age or older. We do not knowingly collect personal information from minors.

10. Third-Party Services

Our App may use trusted third-party providers for:

1. Payment processing
2. SMS and OTP delivery
3. Cloud hosting
4. Analytics
5. KYC verification

These providers are required to protect your information.

11. Cookies and Analytics

The App may use analytics technologies to improve performance, security, and user experience. These technologies are not used to sell your personal information.

12. Data Breach

If a personal data breach occurs, we will take appropriate action and comply with applicable legal requirements, including notifying affected individuals and authorities where required.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be made available through the App or our official website. Continued use of the App after changes indicates acceptance of the revised Privacy Policy.

14. Grievance Officer

For any privacy-related concerns or complaints, please contact:

Grievance Officer

THANAVIRUTHI FOUNDATION

Email: [grievance@vkredit.in]

Phone: [9443353647]

Address: [North Street,Lalgudi,Trichy-621601,Tamil Nadu,India.]

15. Contact Us

THANAVIRUTHI FOUNDATION

Brand: V-KREDIT

Email: [superadmin@vkredit.in]

Website: [www.vkredit.in] (if applicable)

16. Governing Law

This Privacy Policy shall be governed by the laws of India. Any disputes arising from this Privacy Policy shall be subject to the jurisdiction of the competent courts where THANAVIRUTHI FOUNDATION is registered.