Privacy Policy for MAS Pvt. Ltd. (Vanikya)

1. Introduction

MAS Pvt. Ltd., operating under the brand name "Vanikya," is committed to protecting your personal and business information. This privacy policy outlines how we collect, use, share, and protect your data when you use our website, mobile app, apply for loans, or join our waitlist. We comply with all applicable Indian laws, including Reserve Bank of India (RBI) regulations, data privacy laws, and the Information Technology Act, 2000.

2. Information We Collect

We collect various types of information to provide our services, assess eligibility, and comply with legal requirements. This may include:

• Personal information (e.g., name, contact details, identification documents)
• Financial data (e.g., bank details, income statements, credit history)
• Business information (e.g., performance metrics, GST details, legal documents)
• Technical data (e.g., IP address, device information, usage data)

3. How We Use Your Information

Your information is used for the following purposes:

• Evaluating loan applications and waitlist positions
• Providing and improving our services
• Complying with legal and regulatory requirements
• Risk assessment and fraud prevention
• Communication about our products and services
• Analyzing usage patterns to enhance user experience

4. Data Sharing and Disclosure

We may share your information with:

• Credit bureaus and financial institutions
• Regulatory authorities (e.g., RBI, SEBI, tax authorities)
• Third-party service providers (e.g., payment processors, cloud storage providers)
• Business partners (with your consent)

All third parties are bound by strict confidentiality agreements and data protection standards.

5. Data Security

We implement industry-standard security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security audits.

6. Your Rights and Choices

You have the right to:

• Access and review your personal information
• Request corrections to inaccurate or incomplete data
• Opt-out of marketing communications
• Request deletion of your data (subject to legal requirements)

To exercise these rights, please contact us at privacy@vanikya.com.

7. Waitlist-Specific Provisions

When you join our waitlist:

• We collect relevant business and contact information
• Your position may be influenced by eligibility criteria
• We'll provide periodic updates on your status
• Joining does not guarantee access to services

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and collect usage data. You can manage your cookie preferences through your browser settings.

9. Changes to This Policy

We may update this policy periodically to reflect changes in our practices or legal requirements. We will notify you of any significant changes via email or through our website.

10. Contact Us

For any questions, concerns, or requests regarding this privacy policy, please contact us at:

Email: support@vanikya.com