Privacy Policy

Introduction

At Vrozart Finance, we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you interact with our website, digital platforms, or services.

By using our website or services, you agree to the practices described in this Privacy Policy.

Who This Policy Applies To

This Privacy Policy applies to:

• Users of our financial consulting and loan facilitation services
• Visitors to our website and digital platforms
• Individuals submitting applications, inquiries, or documents
• Anyone contacting Vrozart Finance for support or information

Our Privacy Principles

We follow these core principles:

• Collect only necessary and relevant information
• Use data lawfully, fairly, and transparently
• Protect information with reasonable security measures
• Respect user rights and choices
• Never sell personal information

Legal Basis for Processing

We process personal information based on:

• Your consent
• Contractual necessity to provide services
• Legal and regulatory requirements (including KYC)
• Legitimate business interests such as fraud prevention and service improvement

Our practices comply with applicable Indian laws, including the Information Technology Act, 2000, SPDI Rules, 2011, and the Digital Personal Data Protection Act, 2023.

Why We Collect Your Information

We use personal information to:

• Provide financial consulting and loan facilitation services
• Evaluate eligibility for financial products
• Perform identity verification and KYC checks
• Share required information with banks, NBFCs, and lending partners
• Meet legal and regulatory obligations
• Improve website performance and user experience

Information We Collect

Information You Provide

• Name, contact details, and address
• PAN and other KYC documents
• Financial details such as income, loan details, and bank statements
• Information shared via forms, emails, calls, or digital platforms

Information Collected Automatically

• IP address and device information
• Browser type and usage data
• Cookies and similar tracking technologies

Sharing of Information

We may share your information with:

• Banks, NBFCs, and regulated financial institutions
• Credit bureaus (CIBIL, Experian, Equifax, CRIF High Mark)
• Verification agencies and service providers
• Regulatory or legal authorities when required

We do not sell, rent, or trade your personal data.

Data Retention

We retain personal information only for as long as required to deliver our services and comply with legal or regulatory obligations. Data is securely deleted or anonymized once it is no longer needed.

Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. While we take security seriously, no system can guarantee absolute protection.

Cookies & Tracking

We use cookies to:

• Improve website functionality
• Understand user behavior
• Enhance overall user experience

You can manage or disable cookies through your browser settings.

Children's Privacy

Our services are intended for individuals 18 years and above. We do not knowingly collect data from minors.

Cross-Border Data Transfers

We do not knowingly transfer personal data outside India. If required in the future, such transfers will comply with applicable laws and safeguards.

Your Rights

Subject to applicable laws, you may:

• Access your personal information
• Request correction of inaccurate data
• Request deletion where legally permitted
• Withdraw consent for certain data processing

Requests can be submitted using the contact details below.

Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

Contact & Grievance Redressal

For any questions or concerns regarding this Privacy Policy, please contact: