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    Privacy Commitment

    Vistaar Financial Services Private Limited ('Vistaar Finance') maintains the website www.vistaarfinance.com. This Website Private Policy Statement ('Privacy Policy') provides information regarding the collection, storage, usage, transfer, disclosure and processing of your Personal Information including 'Sensitive Personal Information' when:

    a) you use this Website/ Mobile Applications/software applications and/or communication channels including but not limited to E-mail, SMS, WhatsApp, Tele calling, etc. (collectively as 'Platforms') in order to facilitate and provide with the Services through the Platforms; or

    b) you avail any products or services which we may operate or offer to you either through our Platforms; including the steps we take to protect your Personal Information.

    'Sensitive Personal Information' includes:

    a) Name, date of birth, gender, telephone number, residential / correspondence address, marital status, email address or;

    b) Aadhaar, PAN, KYC Status, Signature and Photograph;

    c) Bank account or other payment instrument details

    d) Any other detail for providing services

    This Privacy Policy is subject to revisions from time to time in compliance with regulatory policies and guidelines without giving notice and we therefore advise you to please keep visiting this page regularly to take notice of any changes that may be done. If you do not agree with any part of this Privacy Policy, you are free to stop using the services immediately. Any changes or updates will be effective immediately upon posting the same on our web site at www.vistaarfinance.com

    For the purpose of this Privacy Policy, the term 'You' includes Customer/Data Provider.

    By submitting information on our Platform/s, you agree to this Privacy Policy and our use of such information as described herein. To help us in protecting your privacy, you should maintain secrecy of your login ID and password, if any, provided to you in connection with your account with us and you should not share/transfer/ disclose the same with anyone else nor will any of our representative(s) shall ask you for the same.

    By accessing or using the Platforms and/or using products, (collectively the 'Services') provided by Vistaar Finance directly or indirectly, you agree that you have read and understood, and agree to be bound by this Privacy Policy. By using any of the Platforms, and/or having used the services offered by Vistaar Finance directly or indirectly, in the past, present or future, you expressly consent to our use and such disclosure, as may be required from time to time under applicable laws, of your Personal Information and Sensitive Personal Information submitted to us in accordance with this Privacy Policy. You further acknowledge and accept that your consent herein shall also be applicable to your Personal Information and Sensitive Personal Information submitted to us, directly or indirectly, in the past or while using our Platforms.

    Vistaar Finance retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this Platforms (including all texts, graphics and logos).

    1. Acknowledgment and Acceptance of Terms

    Personal Information, means and includes, all information that can be linked to a specific individual or to identity of any individual, including but not limited to, name, address, mailing address, telephone number, email ID, bank account details including details linked to credit/debit payment instruments, information about your mobile phone, any details that may have been voluntarily provided by the customer, whether to Unique Identification Authority of India ('UIDAI'), Credit Information Bureau of India Limited ('CIBIL') or any other agency including any other Credit Information Companies.

    During the course of using any of Vistaar Finance's Platforms, Vistaar Finance may become privy to the Personal Information of the users

    Only with your express consent, we may access SMS, contacts and call logs in order to enable us to provide services which require access to such data for some of the services on Vistaar Finance's Platforms and make the use of these and other services more seamless for you. Information obtained with consent from your mobile device may include information like device location, device information (including storage, model, installed apps, Wi-Fi, mobile network) transactional and promotional SMS, communication information including contacts, call logs or any other information as we may collect in the process.

    We are firmly committed to ensuring compliance with our data protection obligations. Through this Privacy Policy, we wish to inform you about the ways in which we interact with individuals ('Data Subjects') in connection with our business and describing in general terms how we collect, use, store, process, disclose and transfer information that we may collect from Data Subjects. For the purpose of this Privacy Notice, Data Subjects may include, without limitation:

    * Employees, contractors, consultants, and other representatives of Vistaar Finance;

    * Candidates for employment at Vistaar Finance;

    * Visitors to our website;

    * Current and potential customers

    You hereby authorize Vistaar Finance to exchange, share/transfer/disclose, part with all Personal Information to its Affiliates / Subsidiaries / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold Vistaar Finance liable for sharing/usage/transfer or disclosure of such Personal Information.

    2. Use of Web Beacons or GIF files

    Vistaar Finance web pages may contain electronic images known as Web beacons _ sometimes also called single-pixel gifs _ that allow Vistaar Finance to count users who have visited those pages.

    3. Security

    Vistaar Finance shall use commercially reasonable security measures (including physical, electronic and procedural measures) to safeguard personal information against loss, misuse, damage or modification and unauthorised access or disclosure. However, no system for transmitting or storing information electronically can be completely secure. Therefore, we cannot guarantee that Personal Information or other communications will always remain secure.- Should apply on PI and SPDI

    4. No Contractual Obligation

    Please note that this Privacy Policy does not create any contractual or other legal rights in or on behalf of any party, nor is it intended to do so.

    5. Cookies

    Cookies are small data files that a website stores on your computer/electronic device. While cookies have unique identification nos., personal information (name, a/c no, contact nos. etc.) SHALL NOT be stored on the cookies. Vistaar Finance may use cookies and tracing technology:

    a) which are permanently placed on User's computer to store non-personal (Browser, ISP, OS, Clickstream information etc.) and profiling information (age, gender, income etc.);

    b) to improve User experience by throwing up relevant content where possible;

    c) to store User preferences to ease User's navigation on the website / electronic / mobile application.

    However, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared/transferred/disclosed with third parties.

    6. Data Governance and trainings

    Securing User's Information is of paramount importance to Vistaar Finance. Following are some of the initiatives by Vistaar Finance to security privacy of the User's Information:

    a) Vistaar Finance has reasonable management, technical and administrative measures in place to protect information maintained within the Company.

    b) Sound technical controls around Information and underlying systems are in place.

    c) Vistaar Finance adheres to multiple regulatory and statutory requirements like RBI's Master Direction for NBFC, NPCI guidelines for Data localization, etc.

    d) Vistaar Finance conducts periodic internal and external audits of its systems.

    e) Updates on information security position is updated at regular intervals to Board members, senior management of Vistaar Finance via IT strategy committee as well as Risk Management Committee.

    f) Any acts involving:

    i. Unauthorized usage/ sharing of Information,

    ii. Breach of security procedures;

    iii. Usage of Information for unlawful gain

    iv. Breach of IT policy/procedure; and

    v. Breach of confidentiality as per employment terms and/or Code of Conduct, shall warrant appropriate disciplinary action as per Company's Policy.

    7. Website & links to Other Sites

    Vistaar Finance's Platforms may contain links to other sites. If the user clicks on a third-party link, user may be directed to that site. It may be noted that such external sites are not operated by Vistaar Finance and is beyond the control of Vistaar Finance. Therefore, Vistaar Finance strongly advises the Users to review the privacy terms/policy of such external websites/electronic applications. Vistaar Finance has no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

    Listed below are the detailed terms and conditions of this Policy.

    Section 1: Contact Information

    You may please get in touch with us over email address: contactus@vistaarfinance.com to enquire about the treatment of your data by us.

    Section 2: What Data is collected?

    When you use any of our Platform, Vistaar Finance uses your personal information to provide you with loan you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, assess your interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against errors, fraud and other criminal activity, enforce our terms and conditions, etc. Vistaar Finance may also use your personal information to communicate to you various information and/or offers regarding existing products and services and/or various services/facilities which Vistaar Finance may, from time to time, launch. Vistaar Finance may also occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like pincode, age, gender, etc.). We use this data to customize your experience at Vistaar Finance. The information collected shall be used for the purpose for which it has been collected.

    There may be instances when we disclose your information to other parties (including government/regulatory bodies or agencies):

    * to comply with the law or respond to compulsory legal process (such as a search warrant or other court order) or when we believe release is appropriate to comply with applicable law, enforceable governmental request, enforce our Site policies and terms of Service (including investigation of potential violations), detect, prevent, or otherwise address fraud, security or technical issues or protect ours or other's rights, or safety as permitted by law;

    * for the purposes of verification of identity or for prevention, detection, investigation including cyber incidents, prosecution and punishment of offences;

    * to protect the rights, property, or safety of Vistaar Finance, representatives or employees. However, this does not include use of your information (including sensitive data or information) for any commercial purposes which is inconsistent with any of the practices described in this Website Privacy Statement);

    * to investigate, prevent, or take other action regarding illegal activity, suspected fraud, or other wrongdoing.

    Any information including your personal information provided by you on any of the Platforms, shall be deemed as an authorization given by you to us to use such information for the purpose of provision of services.

    Notwithstanding whether your telephone/mobile is registered with National Do Not Call Registry and or notwithstanding the Telecom Regulatory Authority of India restrictions/guidelines on unsolicited telecalls, by your accessing this Platforms fully or in an incomplete manner or by enquiring/verifying any of the products/services offered by Vistaar Finance and or your making a request to call back, it is deemed that you have expressly authorized Vistaar Finance to call back or send you text messages or use Chatbots for solicitation and procurement of various products and services of Vistaar Finance. In this regard, you shall not have any complaint nor complain to Telecom Regulatory Authority of India as to any alleged unsolicited calls by Vistaar Finance to you.

    Data we collect from your usage of our Services:

    1. Location data:

    We collect the location data from you in two ways i.e. (i) when you add the pin code as part of your account information and (ii) from your mobile device when you have consented to collection of such data which is collected when the Application is running in the background from your device.

    2. Payment and Billing Information:

    If required, we might collect your billing name, billing address and payment method when you avail our services. This is to ensure seamless payments that might be required to be made to you in the course of provision of services.

    3. Application Data:

    We collect the data about your installed applications, including the applications that you have installed on and from the date you create your account on the Application and the manner in which you use them. This includes having access and permission to send you messages and notifications via your social media and instant messaging applications.

    4. Feedback Data and Other Data:

    Any information provided by the customers during a telephonic call with our call centres may be recorded for training and quality improvement purposes. We may also collect any information you provide on the Application chat bot.

    5. Usage and disclosure of Personal & Financial Information:

    Vistaar Finance will protect your personal information against unauthorized use, dissemination or publication in the same manner in which we would protect our own confidential information of like nature. We may share/transfer/disclose information in the course of normal business operations, such as providing services you have subscribed for, and any activity related to these services such as collection of fee. It may become necessary for Vistaar Finance to disclose your personal information to its agents and contractors in the course of normal business operations for the above-referred purpose. However, these parties would be required to use the information obtained from Vistaar Finance for such purposes exclusively. Vistaar Finance will endeavor to take all reasonable steps to ensure that the confidentiality of your information is maintained by imposing strict confidentiality standards on all the third parties to whom it discloses such information.

    If one desires Vistaar Finance to limit such sharing whereby one would not like to be informed of offers available one may contact us at contactus@vistaarfinance.com.

    5. Transaction information:

    We collect transaction information related to the use of our Services, including the type of Services requested, date and time the Service was provided and payment method. Additionally, if someone uses your promotion code, we may associate your name with that person and their usage of the Application.

    6. Device data:

    We collect data about the devices used to access our Services, including the hardware models, device IP address, operating systems and versions, software, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion data, and mobile network data.

    7. Storage:

    This permission is required so that users' documents can be securely downloaded and saved on users' phones and upload the right documents for a faster approvals and provision of services. This helps provide a very smooth and seamless experience while using the Application.

    III. Information we receive from other sources:

    We may also be working closely with third parties (including, for example, business partners, search information providers and service providers and may lawfully receive information about you. Such data may be shared/transferred/disclosed internally and combined with data collected.

    Section 3: How and why is the Collected Data Used?

    The data that is collected in accordance with Section 2 above will be used in the manner detailed below:

    1. For enabling the Application and provision of services

    We use the data collected to personalize, maintain and improve our Services. This includes using the data to:

    - Create and update the Application or our processes.

    - Analyse your eligibility for a loan and estimate the terms of such loan.

    - Track Equated Monthly Instalment (EMI) payments.

    - Enable features that allow you to add and remove bank accounts for payment of EMI by you and amounts disbursed, from time to time.

    - Enable features that help you check your repayment history and other features as may be added from time to time.

    - Perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems; to conduct data analysis, testing, and research; and to monitor and analyse usage and activity trends.

    - To improve our products and services.

    - To share/transfer/disclose with bankers/financial institutions

    We may add features that allow you to call us and similarly, we may also need to contact you (through the Application or any other channels that you give us access to, such as WhatsApp or any other interface).

    2. For Enabling Communications between you and us

    - We might use the information you provide:

    - To contact you for confirmation of disbursal of loan sanctioned.

    - Respond to your pre-sale and post-sale service requests.

    - Support your needs efficiently and without delay.

    - To send you updates about services or products of relevance to you, or for other promotional purposes.

    - To respond to your requests or questions.

    - We use information to send you transactional communications. We might send you emails or SMS about your account.

    3. For Enabling Customer Support:

    We use the information to provide customer support, including to resolve your concerns from the use of the Services, and train our customer service executives.

    4. For Marketing and Outreach:

    We may use the data we collect to market our products and services. This includes sharing your feedback, ratings and screen names for purely promotion and marketing purposes. Such promotion and marketing may be done via hoardings, banners, pamphlets, flyers etc. Further, we might send you information about special promotions or offers. We might also tell you about features or products. These might be our products which we think you might find interesting. Or, for example, if you avail a loan from us, we'll enroll you in our newsletter.

    5. For Legal Compliance and Requirements:

    We may use the data we collect to investigate or address claims or disputes relating to use of our Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, and official inquiries.

    6. For Product Innovation:

    We may use the data we collect to offer new products and services for your use. We use information to look at site trends and customer interests. We may use your information to make our Application and products better to suit your needs. We may combine information we get from you with information about you we get from third parties.

    Section 4: How do we share/transfer/disclose the Collected Information?

    i. Affiliates and Group Companies: Subject to applicable law, we may share/transfer/disclose any data we have collected or collect from you with our affiliates and group companies for product research and development, advertising relevant products to you, and to customize the products for your benefit.

    ii. Change in Control: While negotiating or in relation to a change of corporate control such as a acquisition, restructuring, merger or sale of our assets, we may be compelled to disclose our databases and information we have stored in the course of our services.

    iii. Sharing with regulators:

    Notwithstanding any contained in this Policy, we may share/transfer/disclose information if we think we have to in order to comply with the law of the land. If any governmental authority or law enforcement officers request or require any information your information may be disclosed to them to the extent it is required.

    vi. We may ask to access your contact lists for the sole purpose of providing an easier way for users to collaborate with your contact list. When you select a contact from your list some details may be sent to our servers for generating an invitation for the selected contacts. Such details may include email address,Phone number and contact name.

    Section 5: What are Your Rights regarding the Data?

    It is important for us that you remain in control of your data. Please write to us at contactus@vistaarfinance.com if you wish to exercise any of your rights under the Policy. You shall have the following rights:

    A. Right of opt-out:

    We may use your email address to send you information about our products. It may also be used to respond to your inquiries, questions, and/or other post-sale requests.

    By opting into our mailing list, you may receive emails or promotional messages that could include related product or service information, educational content etc. If at any time you would like to unsubscribe from receiving such communications, you are free to opt out of receiving our marketing emails. To stop receiving our promotional emails, please email us at contactus@vistaarfinance.com and additionally you may unsubscribe by clicking on the relevant link provided in such promotional emails. Even if you opt out of getting marketing messages, we will still be sending you transactional messages through email and SMS about your loan facility. We obtain your permission to post testimonials which may include your personal information prior to posting on the Website or Vistaar Bandhu Application. If you would like your testimonial removed, please email us at: contactus@vistaarfinance.com

    Section 6: What is Our Data Security Practice?

    We maintain information pertaining to you in our business records as per current regulatory requirements. We have secure and appropriate data collection, storage, and processing practices. Our security measures protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on the Application or in our database.

    All private information exchange and transactions on the Application happen through secured communication channels and is encrypted and protected.

    Section 7: Consent Mechanism

    By downloading, installing and setting up an account on the Application or generating request for loan, you agree to our processing, storage, usage, and sharing of the data provided by you pursuant to this Policy. If you do not agree with any of the terms of this Policy or the Terms or wish to revoke any consent you have provided to us please sign out and uninstall the Application immediately or contact as per Section 11 of this Policy.

    However, please note that if you revoke any mandatory permission or revoke the consent to process and store information needed to facilitate the provision of services, then we may be compelled to cease the provision of Services to you. You cannot withdraw your consent once you have availed a loan from us and till the time such loan is repaid in full and all statutory and procedural requirements are fulfilled.

    Section 8: Data Retention

    We do not retain your personal data for longer than required for the purpose for which the information may be lawfully used. We may need to retain your information for a longer period where we need the information for our legitimate purposes for e.g. to help us respond to queries or complaints, fighting fraud and financial crime, responding to requests from regulators, etc. If we don’t need to retain information for this period of time, we may destroy, delete or anonymise it more promptly.

    Section 9: Children's Privacy

    Our Services are not directed at children, and we do not knowingly solicit or collect personal information from persons under the age of 18 (eighteen). If we at any point of time find out that a child has given us personal information, all such information will be deleted and the account will be terminated at one.

    Section 10: Updates to this Notice

    We may occasionally update this Policy. When we do, we will revise the date on this policy. Use of our services after an update constitutes consent to the updated notice to the extent permitted by law. Please take the time to periodically review this Policy for the latest information on our privacy practices.

    Section 11: Grievance Redressal

    Any grievance may be reported to Mr. Thomas Raj at contactus@vistaarfinance.com or call us at 080 - 46660900


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    Fraud Disclaimer

    Vistaar Financial Services Private Limited (hereinafter referred to as ‘The Company’) has been made aware that individuals purporting to act as, or on The company’s behalf and using The company’s name (either in full as detailed in the beginning of this disclaimer or in various forms with some or more similarities) have approached prospective loan speakers in the general public offering loans. These approaches are intended to defraud individuals and damage the reputation of the Company. Any communication that is sent from The Company is either sent from our registered domain name @vistaarfinace.com or through formal correspondence. Under no circumstances should nay money be transferred to any individual or entity. Without having first conducted due diligence on that recipient of those funds.

    If you receive what you believe is an email from any individual purporting to represent The Company or are approached by any individual who is unable to demonstrate that he is a legitimate employee of The Company, please call us at 080 49373037 or forward doubtful email communications to us at contact.us@vistaarfinance.com, forwarding the email or letter, and alternatively report this to your local police Vistaar Financial Services Private Limited does not tolerate such frauds/criminal activity in any form and shall not be considered liable for any loss or inconvenience resulting from communication or business transactions with unauthorize individuals or entities.

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