Stay Safe from Loan Fraud

We, VAISHALI SECURITIES LIMITED (Company; We; us; our; Lender), a Private Limited Company bearing CIN U65923GJ1995PLC026569 and having its registered office address at D- 504, Swati Crimson Daskroi, Shilaj Thaltej Ahmedabad Gujarat 380059. Company intends to offer loans to customers, through mobile applications. This privacy policy (Policy; Privacy policy) discloses the practices and policies adopted for collecting, storing, retrieving or using personal information it may receive from its users (“You”, “Your”, “Customer”) who access the mobile app to receive the services (“Services”) and may be required by us to sanction the Loan. The information received from You while accessing the Services through website / URL of www.vaishalisecuritiesltd.com (“Website”), mobile app, and other facilities including the call-centre facilities (“IVR”) (together referred to as the “Portal(s)”) will be utilised in a manner as set out in this Policy. The Personal Information shall be collected through the mobile application form available on the Application.

We value online privacy & security while browsing through the App and availing the Services available on the App. We make every effort to ensure that the information you provide will not be misused. This policy would apply to information we collect when you register with our applications, or when you access or use the App, or avail the Loan and other facilities on the App (collectively the “Services”). Persons using the Services are hereinafter referred to as “Users” or “you”.

Our goal in this Privacy Policy is to be completely transparent about the data we collect, why we collect, use, share, store and protect personal information about Users. We encourage you to familiarize yourself with our policies and let us know if you have any further questions.

Account Information: Self-declared information like name, referral code used, email, address details, photo, address proof and identity proof. Additionally, for availing financing facility from the Company:

Please note that if you decline or delete these cookies, some parts of the App may not work properly.

You can access your personal identity details on the App through your login credential. We recommend that you do not share your password with anyone. In addition, your personal details are stored on a secure server located in India that only selected personnel contractors and authorised Agencies have access to. We encrypt certain sensitive information using Secure Socket Layer (SSL) technology to ensure that your personal details are safe as it is transmitted to us.

However, you understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk. Data pilferage due to unauthorized hacking, virus attacks, technical is possible and we take no liabilities or responsibilities for it.

This Privacy Policy only addresses the use and disclosure of information we collect from you. Other websites/apps that may be accessible through this App have their own privacy policies and data collection, use and disclosure practices. If you link to any such website, we urge you to review such website’s privacy policy. We are not responsible for the policies or practices of third parties.

We will share all information we collect from you, including the personal information with any third party if we in good faith believe it is required for the purposes of our compliance with any applicable law, regulation, legal process or enforceable governmental request/ action or any manner required for the purposes of protecting our rights or interests. These third-party websites and advertisers or internet advertising companies working on our behalf, sometimes use technology to send or serve data that appear on the App. They automatically receive your IP address when that happens. They may also use cookies, JavaScript, web beacons and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. Please be advised that we do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Therefore, we are not responsible for the information or content they may contain, nor are we responsible for the privacy practices employed therein. Please contact them directly for more information about their privacy policies. This Privacy Policy applies solely to information collected by us through the mobile application.

We will share your personal information internally with those staff members who need it to carry out your instructions regarding the receipt of marketing information, Loan Processing, recovery of Loan. We will not disclose your personal information to any third party unless required to do so by law and/or covered under this Privacy Policy.

Persons who supply us with their telephone numbers may receive communication from us via telephone, text message or emails, pertaining exclusively to new services or any upcoming events.

In order to provide and improve our services and to share relevant ads with you, we use and disclose to our advertising and analytics partners non- personally identifiable information that we collect, including cookie data, some log data, and mobile data.

Our App complies fully with all the applicable and relevant laws of India.

We respect that you do not want your personal information to be shared with other companies at any time. However, we may disclose Your Personal Information to third parties such as payment gateways, authorized service providers, payment transaction processors, and law enforcement agencies, if We are required by law to do or if it is to help investigate, prevent or take action regarding unlawful and illegal activities; suspected fraud, potential threat to the safety or security of any person, or as defense against legal claims. We will keep your personal information confidential and limit access to it to those who specifically need it to conduct their business activities, except as otherwise permitted by applicable law.

We may employ other companies and individuals, call centres, payment gateways, banks to perform functions on our behalf. Examples include delivering e-mail, analysing data, providing marketing assistance, providing search results and links (including paid listings and links) and providing customer service. They have access to personal information needed to perform their functions but may not use it for other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable law.

Business Transfers:

As we continue to develop our business, we might sell or buy business units. In such transactions, customer information generally is one of the transferred business assets but remains subject to the promises made in any pre-existing Privacy Policy (unless, of course, the customer consents otherwise). Also, in the unlikely event that the Company’s assets or substantially all of its assets are acquired, customer information will of course be one of the transferred assets.

We release personal information when we believe, release is appropriate to comply with the law; enforce or apply our Terms and Conditions and other agreements; or protect the rights, property or safety of App, our users or others. This includes exchanging information with other companies, organizations, government or regulatory authorities for fraud protection and credit risk reduction.

If you are no longer interested in sharing your Personal and Sensitive Information, please e-mail your request at: support@vaishalisecuritiesltd.com. Please note that it may take about 72 business hours to process your request.

To the Government and other judicial bodies as required under the law in order to comply with the legal obligations (without the prior permission of customers).

Company website shall also contain links to the other websites. Customers are requested to go through the respective privacy polices disclosed under the relevant sites to familiarize themselves.

We may update this Privacy Policy to reflect changes to our information practices. You are encouraged to check this privacy policy on a regular basis to be aware of the changes made to it. Continued use of the services and access of the App shall be deemed to be your acceptance of this privacy policy.

The Accuracy and Confidentiality of your Account Information is your Responsibility. You are responsible for maintaining the secrecy and accuracy of your password, email address, and other account information at all times. We are not responsible for personal data transmitted to a third party as a result of an incorrect email address.

We use commercially reasonable security measures to protect the loss, misuse, and alteration of the information under our control. However, we cannot absolutely guarantee the protection of any information shared with us.

We make all User information accessible to our employees, agents or partners and third parties only on a need-to-know basis and bind all such employees to strict confidentiality obligations Notwithstanding the above, we are not responsible for the confidentiality, security or distribution of your personal information by our partners and third parties outside the scope of our agreement with such partners and third parties. Further, we shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond the reasonable control of Company including, acts of government, computer hacking, unauthorized access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc. Please be aware that you can opt out of receiving service messages from us.

If you have any questions or suggestions or wish to make a complaint you can contact us at support@vaishalisecuritiesltd.com or write to us at the following address:

PRINCIPAL OFFICER

VAISHALI SECURITIES LIMITED

D- 504, Swati Crimson Daskroi, Shilaj Thaltej Ahmedabad Gujarat 380059

Dispute Resolution

In the event of any dispute, difference or claim arising out of this Policy the same shall be settled in accordance with the Laws of India through regular judicial process and the courts of Ahmedabad, India shall have exclusive jurisdiction.

CONSENT TO THIS POLICY

By accessing the Website/Portal, You agree to this Policy or any updated version of this Policy. This document supersedes any prior communication on this topic and reflects the entire and exclusive Policy for this Site.