This Privacy Policy explains how Sri Vinayaka Financial Services (“we”, “us”, “our”) collects, uses, shares, and protects your information when you visit srivinayakaservices.com (the “Website”), contact us, or use our services.
Who we are
Company Name: Sri Vinayaka Financial Services
Address: Shiva Mandir Rd, A Sector, 4th Phase, Yelahanka New Town, Bengaluru, Karnataka 560064
About us: Welcome to Vinayaka Financial Services, your trusted financial partner with over 15 years of experience in the loan industry. Located in the heart of Yelahanka Newtown, Bangalore, we specialize in offering personalized and reliable loan solutions to meet your financial needs.
Founded and led by Anjanneya NS, our firm provides a wide range of loan services, including Personal Loans, Business Loans, Home Loans, Project Loans, and SME Loans. We prioritize transparency, fast approvals, and competitive interest rates. For expert guidance, contact us at +91 99455 24197.
Scope
This Policy applies to information collected on our Website, over phone/WhatsApp, by email, through contact forms, and during in-person interactions related to our loan advisory and facilitation services.
Information we collect
- Contact data: name, phone number, email address, postal address.
- Identity & KYC data (as required): PAN, Aadhaar/ID details, date of birth, photographs, signatures.
- Financial & employment data: income, bank statements, salary slips, business information, GST details, credit history, collateral details.
- Loan preference data: loan type, amount, tenure, purpose, property/project details.
- Website & device data: IP address, browser type, device identifiers, pages visited, cookies and similar technologies.
- Communications: enquiries, call/WhatsApp/chat/email messages, feedback, and documents you share with us.
How we collect information
- Directly from you via forms, calls, WhatsApp, email, or in person.
- Automatically via cookies and analytics when you use the Website.
- From third parties with your consent or as permitted by law (e.g., lending partners, credit bureaus, verification service providers).
How we use your information
- To respond to enquiries and provide loan advisory and application facilitation.
- To verify identity, perform KYC, assess eligibility, and conduct credit, risk, and fraud checks.
- To prepare, submit, and track loan applications with banks/NBFCs and other partners.
- To communicate updates, approvals, disbursals, repayments, and service/support information.
- To comply with legal obligations and regulatory requirements.
- To improve our Website, services, security, and user experience.
- To send service and marketing communications (you may opt out at any time).
Legal bases / Consent
Where applicable, we process your information based on your consent, to perform a contract or pre-contractual steps at your request, for our legitimate interests (e.g., preventing fraud, improving services), and to comply with legal obligations under Indian law, including the Information Technology Act and applicable data protection rules. By submitting information or using our services, you consent to our processing as described in this Policy.
Sharing of information
We may share your information with:
- Lending partners: banks, NBFCs, and financial institutions for eligibility assessment, application processing, and disbursal.
- Service providers: KYC/verification agencies, credit bureaus, valuation and legal vendors, technology/hosting/analytics providers, customer support tools, and professional advisors.
- Regulators and law enforcement: when required by law, legal process, or to protect rights and safety.
- Business transfers: in case of merger, reorganization, or asset transfer, subject to confidentiality safeguards.
We do not sell your personal information.
Credit bureau checks
You authorize us and our lending partners to obtain your credit information (e.g., from CIBIL or other credit bureaus) for evaluating loan eligibility, underwriting, and ongoing account management, as applicable.
Cookies and analytics
We use cookies and similar technologies to operate the Website, remember your preferences, and analyze traffic. You can control cookies through your browser settings; however, disabling cookies may affect Website functionality.
Retention
We retain information for as long as necessary to provide services, comply with legal, regulatory, tax, and accounting requirements, resolve disputes, and enforce agreements. When no longer required, we securely delete or anonymize data per our retention practices.
Security
We implement reasonable technical and organizational measures to protect information. However, no method of transmission or storage is fully secure; you share information at your own risk.
Your choices and rights
- Access / update: You may request access to or correction of your personal information.
- Withdraw consent: Where processing is based on consent, you may withdraw it at any time (this does not affect prior processing).
- Opt-out of marketing: Use the unsubscribe option in messages or contact us.
- Deletion: You may request deletion subject to legal/regulatory retention requirements and legitimate interests.
Communications (Calls/WhatsApp/SMS/Email)
By providing your contact details, you consent to receive calls, SMS, WhatsApp messages, and emails related to your enquiry and our services. Message and data rates may apply. You can opt out at any time by replying STOP (for WhatsApp/SMS) or using email unsubscribe links.
Children’s privacy
Our services are intended for individuals aged 18 and above. We do not knowingly collect data from children. If you believe a child has provided us information, please contact us to remove it.
Third-party websites
Our Website may contain links to third-party sites. We are not responsible for their privacy practices. Please review their policies before providing information.
International transfers
If our service providers or systems are located outside India, your information may be transferred and processed in other countries. We take reasonable steps to ensure appropriate safeguards are in place.
Grievance officer / Contact
Grievance Officer: Anjanneya NS
Address: Shiva Mandir Rd, A Sector, 4th Phase, Yelahanka New Town, Bengaluru, Karnataka 560064
Phone: +91 99455 24197
Email: add your official email here
For privacy requests (access, correction, deletion, consent withdrawal) or complaints, please contact the Grievance Officer. We aim to acknowledge and resolve concerns within timelines prescribed by applicable law.
Updates to this Policy
We may update this Privacy Policy from time to time. The “Effective date” above shows the latest revision. Your continued use of the Website or services after changes means you accept the updated Policy.
Disclaimer
This Policy is intended to be consistent with applicable Indian laws and regulations. Depending on your relationship with us and the services used, additional terms or partner-specific privacy notices may apply.