This Privacy Policy shall come into effect on July 1, 2025.
Welcome to use the personal loan application VittaLoan (hereinafter referred to as "this Application" or "this App"), which is independently developed and operated by THUNIL SUPER TECHNOLOGY PRIVATE LIMITED. We fully understand the significance of your personal information and always regard protecting your privacy as a crucial mission. We strictly comply with relevant laws and regulations and make every effort to safeguard the security of your personal information. To provide you with high-quality and secure services while ensuring that your privacy is fully respected and protected, we elaborate in detail on matters related to the collection, use, storage, and protection of personal information in this Privacy Policy.
It should be specifically noted that all financial products offered by this Application are provided by S.B.N. LEASING AND FINANCE LIMITED, and core businesses such as loan approval and fund disbursement are also the responsibility of S.B.N. LEASING AND FINANCE LIMITED. We have established a close cooperative relationship with S.B.N. LEASING AND FINANCE LIMITED and are jointly committed to providing you with convenient, efficient, and secure financial services. Before using this Application, please be sure to read this Privacy Policy carefully so that you can fully understand your rights during the use of this Application and our responsibilities.
To ensure that you can smoothly experience the various services provided by this Application, we will collect relevant personal information strictly in accordance with laws and regulations, based on your actual usage needs and following the principles of transparency, fairness, and legality. The specific information collected is as follows:
We will collect information such as your mobile phone number and user ID. This information serves as the basis for creating your exclusive account and providing you with account-related management services (such as account login and account security settings), helping to ensure that you can use this Application safely and conveniently.
To efficiently and accurately process your loan application, we will collect the following two types of information:
This includes age, gender, Aadhaar Number (Indian identity number), educational background, marital status, income and expenditure situation, etc. This information is an important reference for evaluating your loan qualification and conducting credit checks, helping us to have a comprehensive understanding of your financial situation and credit level, so as to provide you with a more suitable loan plan.
This covers income, occupation, years of work experience, etc. Work information can further reflect your economic stability and repayment ability, which is of great significance for loan approval decisions.
To improve the performance and user experience of this Application, we will collect your device information, including the operating system version, etc. (We will use encryption and other technical means for anonymization to ensure that it cannot be directly associated with your personal identity) as well as log information generated when using this Application. This data will help us optimize application functions, promptly detect and resolve technical issues, thus providing you with a smoother and more stable service.
During your use of this Application, a series of transaction data will be generated, such as loan application records, approval status, fund disbursement records, repayment information, etc. This information is crucial for maintaining the security of your account, providing continuous services, and ensuring the legality and compliance of financial transactions. We will strictly keep this transaction information confidential and take necessary security measures to prevent information leakage.
If you actively authorize it, we will collect your approximate geographical location information. This information is only used to determine whether you are within our service scope (this Application only provides services to users in India) in order to provide you with more precise services. We will not use your location information for other purposes without your consent.
If you explicitly authorize it, we will collect financial-related SMS messages through your SMS permissions for analysis. These SMS messages will serve as one of the important reference factors for evaluating your loan qualification and conducting credit checks, helping us to have a more comprehensive and accurate understanding of your financial situation and credit behavior. We promise to collect and use this information only to the necessary extent and strictly comply with relevant laws, regulations, and privacy protection principles.
We will also collect data about your use of the functions of this Application, such as function click situations and page view durations. Through the analysis of this data, we can gain an in-depth understanding of your usage habits and needs, thus targetedly optimizing the application interface design and improving the functional experience to ensure that we provide you with higher-quality and personalized services.
Important Notice: Some of the information you provide may be necessary for using this Application and enjoying related services. If you choose not to provide certain necessary information, some functions may not be used normally, but it will not affect the provision of basic services. Before collecting information, we will clearly inform you which information is required and which is optional, and you have the right to decide whether to provide relevant information on your own.
The personal information we collect from you will only be used for the following purposes:
2.1 To provide and improve the services of this Application, including but not limited to account management, loan application processing, fund disbursement, and repayment reminders.
2.2 To conduct loan qualification assessment and credit checks to determine whether you meet the loan conditions and the appropriate loan amount and interest rate.
2.3 To optimize the performance and user experience of this Application, and continuously improve application functions and interface design according to your usage habits and feedback.
2.4 To ensure account security and transaction security, prevent illegal activities such as fraud and money laundering, and maintain the stability and healthy development of the financial market.
2.5 To comply with legal and regulatory requirements and cooperate with the investigations and inspections of relevant regulatory authorities.
We will store your personal information on secure servers located in India. These servers have comprehensive physical security measures and network security protection systems, which can effectively prevent information leakage, tampering, and loss.
We will determine the storage period of personal information in accordance with legal and regulatory requirements and the necessity of providing services to you. Generally, we will continue to store some of your information for a certain period after you cancel your account to meet the needs of possible legal dispute resolution and auditing. After the storage period expires, we will promptly delete or anonymize your personal information.
We have adopted a variety of advanced technical means to protect the security of your personal information, including but not limited to:
We encrypt your sensitive information, such as using the SSL/TLS protocol to encrypt data transmission, to ensure that the information is not stolen or tampered with during transmission.
We implement strict access control on servers and databases, and only authorized personnel can access your personal information. We will set different access permissions for personnel at different levels to ensure the security and confidentiality of information.
We regularly conduct security audits and assessments of the system to promptly detect and repair potential security vulnerabilities. We will record system operation logs for traceability and analysis in case of security incidents.
We have established a comprehensive internal management system and operation procedures, and strengthened employee security training and management to ensure that employees strictly comply with the privacy policy and security regulations. Specific measures include:
We regularly organize employees to participate in privacy protection and information security training to improve their security awareness and confidentiality awareness.
We require all employees to sign confidentiality agreements to clarify their responsibilities and obligations in protecting personal information.
We have set up a special supervision department to supervise and inspect employees' information handling behaviors and promptly detect and correct violations.
We promise not to sell your personal information to any third party. However, we may share your personal information with third parties under the following circumstances:
Since the financial products offered by this Application are provided by S.B.N. LEASING AND FINANCE LIMITED, and businesses such as loan approval and fund disbursement are also its responsibility, we need to share your loan application information and transaction information with S.B.N. LEASING AND FINANCE LIMITED so that it can complete the processing of loan businesses. Before sharing information with S.B.N. LEASING AND FINANCE LIMITED, we will sign strict confidentiality agreements with it and require it to protect your personal information in accordance with this Privacy Policy and relevant laws and regulations.
To better provide you with services, we may cooperate with some professional service providers, such as data analysis companies, payment institutions, and SMS service providers. In these collaborations, we may provide necessary personal information to service providers so that they can provide us with technical support, data analysis, payment processing, and other services. We will require service providers to strictly comply with confidentiality obligations and not use your personal information for other purposes without your consent. For example, when we cooperate with payment institutions to complete loan fund disbursement and repayment operations, we will provide necessary information such as your bank account information to the payment institutions.
If we receive a legal document request or to comply with applicable laws, regulations, and regulatory requirements, we may disclose your personal information in accordance with the law. In this case, we will make every effort to notify you, unless prohibited or required to keep confidential by law.
When necessary, to protect the rights, property, or safety of us, our users, or the public, we may disclose your personal information. For example, when we discover fraudulent behavior, network security incidents, or other illegal activities, we may report to relevant departments and provide necessary information.
During the process of information sharing, we will take necessary technical and management measures to ensure the security of your personal information and prevent information leakage, abuse, or tampering.
With the development of our business, we may engage in transactions such as mergers, acquisitions, and asset transfers. In this case, your personal information may be transferred to relevant third parties as part of the assets. We will notify you before the transfer and require the transferee to continue to comply with the provisions of this Privacy Policy and protect the security of your personal information.
We will only publicly disclose your personal information under the following circumstances:
If you agree to our public disclosure of certain information about you, we will disclose it as required.
In the case of legal requirements, legal procedures, litigation, or mandatory requirements from government authorities, we may publicly disclose your personal information.
You have the right to access the personal information we collect about you and understand the types of information, usage purposes, and sharing situations. You can query your personal information through the account settings function provided by this Application or by contacting our customer service personnel.
If you find that the personal information we collect about you is incorrect or incomplete, you have the right to request us to make corrections. We will promptly verify your request and complete the correction operation within a reasonable time.
Under the circumstances specified by laws and regulations, you have the right to request us to delete your personal information. For example, when the purpose for which we collect information has been achieved, cannot be achieved, or is no longer necessary for achieving the purpose, you can request us to delete the relevant information. We will evaluate and process your request and inform you of the processing result within the specified time.
You have the right to withdraw your previously granted consent for information collection and use at any time. You can withdraw your consent through the relevant settings of this Application or by contacting our customer service personnel. After withdrawing your consent, we may not be able to continue to provide you with certain services, but it will not affect the legitimate data processing activities that have been carried out based on your consent before.
If you believe that our handling of your personal information violates laws, regulations, or the provisions of this Privacy Policy, you have the right to lodge complaints and reports to us. We will promptly investigate and handle your complaints and reports after receiving them and inform you of the processing results. You can also lodge complaints and reports to relevant regulatory authorities.
We may update and modify this Privacy Policy according to legal and regulatory requirements, business development needs, or to improve the user experience. The updated Privacy Policy will be published on this Application, and you can learn about the latest content by viewing the privacy policy page. If you continue to use this Application, it means that you agree to be bound by the updated Privacy Policy.
If you have any questions, suggestions, or complaints regarding this privacy policy, please get in touch with us through the customer service channels within this app or via our official website to obtain contact information. We will respond to your inquiries or complaints as promptly as possible.