Effective Date: 17/10/2026
1. Introduction
Vivardhana Microfinance Limited (“Vivardhana”, “we”, “our” or “us”) respects the privacy of our customers, website visitors, and other individuals who interact with us.
This Privacy Policy explains how we may collect, use, store, disclose, and protect personal information when you visit our website, contact us, or enquire about our microfinance services.
By using our website or providing information to us, you acknowledge this Privacy Policy, subject to applicable law.
2. Information We May Collect
Depending on how you interact with us, we may collect the following types of information:
- Personal information: Name, contact number, email address, and communication details.
- Loan-related information: Information you provide when enquiring about or applying for a loan, where applicable.
- Identification and verification information: Documents or details required for customer identification and verification, where legally required and applicable.
- Communication records: Enquiries, feedback, complaints, and correspondence with our team.
- Technical information: Information such as browser type, device information, website usage data, and IP address, where collected through website technologies.
We will request information relevant to the purpose for which it is collected.
3. How We Use Your Information
We may use personal information for purposes such as:
- Responding to enquiries and requests.
- Providing information about our services.
- Processing and assessing loan enquiries or applications, where applicable.
- Conducting identity verification and meeting legal or regulatory requirements.
- Communicating with customers regarding services and account-related matters.
- Addressing complaints, feedback, and customer support requests.
- Maintaining website security and improving our services.
- Preventing fraud and protecting our legitimate interests, as permitted by law.
4. Sharing and Disclosure of Information
We do not disclose personal information indiscriminately. Information may be shared where necessary and permitted by applicable law, including:
- With authorised employees and representatives who require the information for their duties.
- With service providers supporting our business operations, subject to appropriate safeguards.
- With banks, financial institutions, credit information companies, or other relevant entities where applicable and legally permitted.
- With regulators, law enforcement agencies, courts, or government authorities where required by law.
- With other parties where you have provided valid consent or another lawful basis applies.
We do not sell personal information to third parties for their independent marketing purposes unless this policy is updated to reflect a lawful practice.
5. Data Security
We take appropriate measures designed to protect personal information against unauthorised access, disclosure, alteration, loss, or misuse.
However, no method of transmission or electronic storage can be guaranteed to be completely secure. We will address personal data incidents in accordance with applicable legal requirements.
6. Data Retention
We retain personal information only for as long as necessary for the purposes for which it was collected, including business, contractual, legal, regulatory, and record-keeping requirements.
The retention period may vary depending on the type of information and the applicable requirements.
7. Cookies and Website Technologies
Our website may use cookies or similar technologies to support website functionality, understand website usage, and improve user experience, where implemented.
You may be able to manage cookies through your browser settings. Disabling certain cookies may affect some website features.
8. Your Privacy Rights and Choices
Subject to applicable law, you may be entitled to request access to, correction of, or deletion of certain personal information, withdraw consent where processing is based on consent, or raise concerns about how your information is handled.
Requests may be subject to identity verification, legal obligations, and applicable exceptions. To make a privacy-related request, please contact us using the details below.
9. Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of websites operated by other organisations. We encourage you to review their privacy policies before providing personal information.
10. Children’s Privacy
Our website and services are not intended to knowingly collect personal information from children through general website enquiries. Where information relating to a minor is required for a lawful purpose, it must be handled in accordance with applicable law and appropriate safeguards.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable legal requirements. The updated version will be published on this page with a revised effective date, where appropriate.
12. Contact Us
If you have questions, requests, or concerns regarding this Privacy Policy or the handling of your personal information, please contact us.