Vedika Credit Capital Ltd (Vedika Finance)
Website: https://teamvedika.com/
Effective Date: 01/01/2026
1. About Us
Vedika Credit Capital Ltd (“Vedika Finance”, “Vedika”, “we”, “us”) is a Non-Banking Financial Company – Microfinance Institution (NBFC-MFI) registered with the Reserve Bank of India (RBI) (Registration No. B-05.00844).
Vedika Finance provides loan products directly from its own balance sheet. We are committed to protecting the privacy and personal information entrusted to us by our customers and website users.
2. Scope of This Privacy Policy
This Privacy Policy applies only to the official website of Vedika Credit Capital Ltd.
It explains:
- What information we collect
- Why we collect it
- How we use and protect it
- With whom it may be shared
- How long it is retained
- Your rights regarding your information
Vedika Finance does not currently operate any mobile application. If any additional digital platform is introduced, a separate privacy disclosure will be published.
3. Affirmative Consent
By accessing or using this Website and submitting personal information, users expressly consent to the collection, processing, storage, and disclosure of their information in accordance with this Privacy Policy.
If you do not agree with this Policy, you should not submit personal information through the Website.
4. Information We Collect
A. Information You Provide
- Name
- Phone number
- Email address
- Residential address
- Date of birth / age
- Identity documents (PAN, Aadhaar, etc.)
- Employment or business details
- Bank account details (if required)
- Loan application / enquiry details
B. Automatically Collected Information
- IP address
- Browser type
- Device information
- Pages visited and usage data
5. Purpose of Collection
- Loan processing and application handling
- KYC verification and compliance
- Credit assessment and risk evaluation
- Fraud prevention and security monitoring
- Customer support and grievance handling
- Legal and regulatory compliance
6. Cookies and User Control
We may use cookies to improve website performance and security. Users can disable cookies through browser settings.
7. Sharing of Personal Information
We do not sell or trade personal data.
- Credit bureaus and verification agencies
- Regulatory authorities when required by law
- Authorized service providers under confidentiality agreements
- Auditors and legal advisors
8. Data Retention
Data is retained only as long as required for legal, regulatory, or business purposes and then securely deleted or anonymized.
9. Your Rights
- Access your personal data
- Request correction of data
- Withdraw consent where applicable
Requests: customer.service@teamvedika.com
10. Communication Channels
- Phone calls
- SMS
- Website notifications
11. Information Security
We use reasonable safeguards to protect data, but no system is fully secure. Users should not share OTPs or passwords.
12. Third-Party Websites
We are not responsible for privacy practices of external websites linked from our site.
13. Privacy Summary
- We collect only necessary data
- We do not sell personal data
- We share data only when legally required
- Users can access and correct data
14. Changes to Policy
We may update this policy anytime. Changes will be posted on this page.
15. Grievance Redressal
Mr. Sohan Singh
Grievance Redressal & Chief Nodal Officer
404, Shrilok Complex, 4th Floor, H. B. Road, Ranchi, Jharkhand – 834001
Email: customer.service@teamvedika.com
Phone: +91 92292 02994
