Terms & Conditions

Welcome to Vriddhi Loans. By using our app, you agree to the terms below. Please read them carefully before continuing.

Why We Collect Your Data

We collect your credit score and KYC (Know Your Customer) documents to:

• Verify your identity and address
• Check your credit eligibility
• Comply with RBI and legal requirements
• Offer you personalized financial services

Your Consent

By using Vriddhi Loans and submitting your documents, you:

• Give us permission to collect, use, and store your credit and KYC data
• Allow us to retrieve your credit score from Experian and other credit bureaus
• Confirm that the data you provide is accurate and current
• Understand this consent is valid for 6 months or until you withdraw it

How We Use and Protect Your Info

• Your data is used to assess your eligibility and provide you with financial products
• We do not sell your data and maintain strict confidentiality
• We use industry-standard security to protect your data from unauthorized access
• Your data is stored only as long as needed or required by law (e.g., 5–8 years for KYC)

Sharing Your Data

We may share your data with:

• Credit bureaus (e.g., Experian, CIBIL)
• Lending partners, service providers, and regulators
• Authorities, if required by law

Your data may also be used to send you offers and alerts. You can opt out of marketing messages anytime.

Updates to These Terms

We may update these terms from time to time. Changes will be shared via the app. Continued use means you accept the latest version.

Governing Law

• Indian law governs these terms
• Disputes will be handled by the courts in Raipur, Chhattisgarh
• CIC-related matters may be under the Mumbai jurisdiction and shall be dealt with separately.

Need Help?

Grievance Officer Details