PRIVACY POLICY

Vedika Credit Capital Ltd (Vedika Finance)
Website: https://teamvedika.com/
Effective Date: 01/01/2026

1. About Us

Vedika Credit Capital Ltd (“Vedika Finance”, “Vedika”, “we”, “us”) is a Non-Banking Financial Company – Microfinance Institution (NBFC-MFI) registered with the Reserve Bank of India (RBI) (Registration No. B-05.00844).

Vedika Finance provides loan products directly from its own balance sheet. We are committed to protecting the privacy and personal information entrusted to us by our customers and website users.

2. Scope of This Privacy Policy

This Privacy Policy applies only to the official website of Vedika Credit Capital Ltd.

It explains:

• What information we collect

• Why we collect it

• How we use and protect it

• With whom it may be shared

• How long it is retained

• Your rights regarding your information

Vedika Finance does not currently operate any mobile application. If any additional digital platform is introduced, a separate privacy disclosure will be published.

3. Affirmative Consent

By accessing or using this Website and submitting personal information, users expressly consent to the collection, processing, storage, and disclosure of their information in accordance with this Privacy Policy.

If you do not agree with this Policy, you should not submit personal information through the Website.

4. Information We Collect

We collect only information necessary for lending, compliance, and customer service.

A. Information You Provide

This may include:

• Name

• Phone number

• Email address

• Residential address

• Date of birth / age

• Identity information (such as PAN, Aadhaar, or other officially valid documents, where required)

• Employment or business details

• Bank account details (where required for loan processing)

• Information submitted via enquiry or loan application forms

B. Automatically Collected Information

We may collect limited technical information such as:

• IP address

• Browser type

• Device information

• Pages visited and time spent on the Website

This information is used for security, fraud prevention, analytics, and improving website functionality.

5. Purpose of Collection

Your information is used strictly for lawful purposes, including:

• Processing loan enquiries and applications

• KYC verification and regulatory compliance

• Credit assessment and internal risk evaluation

• Fraud prevention and security monitoring

• Customer support and grievance handling

• Compliance with RBI guidelines and applicable Indian laws

We do not collect or use personal information for unrelated commercial exploitation.

6. Cookies and User Control

Vedika Finance may use cookies and similar technologies to enhance user experience and ensure website security.

Users may manage or disable cookies through their browser settings. Disabling cookies may affect certain website features.

7. Sharing of Personal Information

Vedika Finance does not sell, rent, or trade customer personal information to third-party marketers.

Personal information may be shared only with:

• Authorized service providers (IT support, hosting providers, SMS/email service providers) under strict confidentiality obligations

• Credit bureaus and verification agencies, where required for credit assessment

• Regulatory authorities or government bodies when required by law

• Auditors or professional advisors bound by confidentiality

All disclosures are limited to lawful and necessary purposes.

8. Data Retention

Personal information is retained only:

• For as long as necessary to fulfill the purposes for which it was collected; or

• As required under applicable laws, RBI regulations, audit requirements, or dispute resolution processes.

Once the retention period expires, information is securely deleted or anonymized where feasible.

9. Your Rights

Subject to applicable laws and regulatory requirements, you may:

• Request access to your personal information

• Request correction of inaccurate or incomplete information

• Request withdrawal of consent (where legally permissible)

Requests may be submitted to:
customer.service@teamvedika.com

Withdrawal of consent may impact our ability to process your application where data retention is legally required.

10. Communication Channels

Vedika Finance may communicate with users via:

• Phone calls

• SMS

• Email

• Website-based communication

Such communication will be strictly for service-related, regulatory, or transactional purposes.

11. Information Security

We implement reasonable physical, technical, and administrative safeguards to protect personal information against unauthorized access, misuse, alteration, or disclosure.

While we strive to secure data, no internet transmission can be guaranteed completely secure. Users are advised not to share passwords, OTPs, or sensitive login credentials with anyone.

12. Third-Party Websites

This Website may contain links to external websites. Vedika Finance is not responsible for the privacy practices of such third-party websites. Users are encouraged to review their respective privacy policies.

13. Privacy Summary

• We collect only information necessary for lending and compliance.

• We do not sell personal data.

• Information is shared only with authorized service providers and regulators as required by law.

• Users have rights to access and correct their data, subject to law.

14. Changes to This Policy

Vedika Finance may update this Privacy Policy from time to time. The revised version will be posted on this page with an updated effective date.

15. Grievance Redressal (Privacy Matters)

Privacy-related concerns may be addressed to:

Mr. Sohan Singh
Grievance Redressal & Chief Nodal
Head Office Address:
404, Shrilok Complex, 4th Floor, H. B. Road, Ranchi, Jharkhand- 834001, India
Email: customer.service@teamvedika.com
Phone: +91 92292 02994