Privacy Policy

Vector Finance Pvt Ltd (“Vector Finance”, “We”, “Us”, “Company”) understands the significance of privacy. We are dedicated to respecting and protecting your personal information as a user (“You”, “User”, “Customer”) of vectorblink.com and our associated mobile applications and digital services (“Platform”). This Privacy Policy (“Policy”) outlines our principles and procedures regarding the collection, usage, sharing and protection of information, in compliance with applicable Indian laws, including but not limited to:

  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021
  • Digital Personal Data Protection Act, 2023
  • Guidelines on Digital Lending issued by the Reserve Bank of India (RBI), 2022
  • Other relevant acts, rules, and regulations

Consent

By using or accessing our Platform, applying for loans or value-added services, you expressly acknowledge that you have read, understood and agreed to this Privacy Policy. If you do not consent, please refrain from using/accessing/downloading/installing any part of the Platform.

Collection of Information

We collect the following information to facilitate lending and non-lending services, onboarding, regulatory compliance (such as KYC), and product improvement:

Personal Information

  • Name, email address, contact number, address and user credentials
  • ID proof details (Aadhaar, PAN, voter ID, etc.)
  • Date of birth, gender, employment details, financial information (salary, bank account, statements, transactional history)
  • GST details (for business users), as may be required for specific services

Device and Usage Information

  • Device model, operating system, unique device identifiers
  • Usage logs (activity data, IP address, diagnostics, crash data)
  • Installed application metadata for onboarding and KYC, with explicit user consent

Location, Camera, Microphone

  • Fine/coarse location, accessed for regulatory KYC and fraud prevention
  • Camera/microphone access for identity verification (Video KYC), with explicit consent; no biometric data collection or storage

Third Party and Credit Information

Details obtained from credit bureaus, financial partners, payment gateways, or other verified sources, solely for loan and credit assessment with user consent

Purpose of Collection

Your data may be used for:

  • Identity establishment and verification
  • Loan processing, KYC and onboarding
  • Customizing product offerings and support
  • Improving Platform functionality and security
  • Regulatory compliance
  • Fraud detection, dispute resolution, legal processes
  • Marketing (with opt-out options)

Disclosure to Third Parties

Your information will be disclosed only under the conditions below:

  • Financial service providers (banks, NBFCs, regulated lenders) for facilitation of credit or financial products
  • Technology and analytics partners for service improvement and regulatory compliance
  • Government authorities, courts, or regulatory agencies under law
  • Other entities in case of mergers, acquisitions, or restructuring, subject to continued data protection commitments
  • Third-party service providers, SDKs, or APIs operating under confidentiality and data protection agreements

A full list of NBFC partners and entities is provided on the Platform.

Data Retention and Deletion

We retain your data only for as long as necessary to provide you services, comply with regulations, and resolve disputes. Data required for legal/regulatory obligations (e.g., loan records) may be retained post account closure. Users may request deletion of non-essential data by contacting our Grievance Officer. Data deletion may not occur if there are active loans or unresolved regulatory requirements.

Security Measures

We employ robust security practices, including:

  • SSL/TLS encryption for all data transmitted over the internet
  • Data-at-rest encryption
  • Strict access controls, role-based authentication, and third-party audits
  • Regular security reviews and updates
  • Incident management protocols for breach prevention and notification

User Rights

You may exercise the following rights:

  • View, update or rectify your personal information by contacting us with relevant documentation
  • Modify device permissions at any time
  • Withdraw consent for data collection and marketing communications, subject to limitations for active services
  • Request deletion or anonymization of personal data (where legally and technically feasible)
  • Report grievances or security incidents to our Grievance Officer

Cookies and Tracking Technologies

Vector Finance uses cookies and similar technologies to improve user experience, remember preferences and for analytics. You may refuse cookies, but certain Platform features may become unavailable.

Changes to Policy

We reserve the right to amend this Policy anytime. Updates will be posted on this page and become effective immediately. Continued use of services indicates acceptance of changes.

Grievance Redressal

For queries, deletion requests, withdrawal of consent, or to report a security issue, please contact:

Grievance Officer

Name: Priyanshu Gupta

Address: ASO 502, 5th floor, south block, Astra Towers, Action Area IIC, Newtown, New Town, West Bengal 700161

Email: grievance@vectorfinance.com

Contact: [Contact Number]

Time: Mon–Sat, 10:00 am–7:00 pm